Hurricane Damage

It is imperative that you have a good understanding of your insurance policy long before a hurricane comes, as this is essential in protecting your insurable property and making sure that your claim is processed as rapidly as possible. Those who have put together contingency plans and have the right insurance will be better equipped to handle the subsequent hurricane insurance claim process.

After a major hurricane, getting help from an expert can be necessary to navigate the Hurricane insurance claims process and maximize the amount that you are able to recover. It is extremely important that as a homeowner you take a close look at your deductible in case of a hurricane catastrophe.

A notable exception occurred in the post-loss environment following Hurricane Andrew in 1992. In Florida, most if not all carriers sought to limit their exposure to windstorm peril from hurricanes by creating high percentage hurricane deductibles in their policies. Some insurance companies would not even write coverage and others withdrew from the State in total or set up what was called “PUP” companies in an attempt to limit the parent company liability.