Insurance claim settlements are complicated because you are unsure of what is covered and what is not in your standard home insurance policy. Some policies automatically cover hurricane damages, while others don’t. People residing in a hurricane-prone zone need to buy extra coverage for covering hurricane damage.
The damage kind and causes impact the insurance claim coverage. All the policies don’t cover the flood damages, but out of those, a few covers wind damages. Hurricane brings high winds and floods, so you can understand now why insurance claims for hurricane damages get complicated. For example, West Palm Beach experiences yearly hurricane risks as it is near the East Coast.
Factors that you have hurricane destruction coverage or not gets influenced by –
- Damage type
- Cause of damage like wind or flooding
- Homeowners policy types like regular home insurance or hurricane insurance coverage
- The area you reside
Property owners in West Palm Beach need a professional representing them to get their hurricane destruction claim to get settled. An expert public adjuster from ProFloridian Consultation can help you get a fair settlement.
What kind of insurance policy covers hurricane destruction?
People residing in a hurricane-prone zone need to buy more than 2 insurance policies because technically, there is no hurricane coverage available. You can invest in policies like sewer backup coverage, flood insurance, and windstorm policy for protection when a hurricane strikes.
Damages caused by hurricanes
- Wind damage
- Flooding damage
- Heavy rainfall damage
- Tornado damage
- Storm surge damage
- Sewer backup damage
A home gets damaged with multiple natural forces during a hurricane. Home can get flooded with sewage backup, while your roof can get destroyed with the severe winds. The insurance providers make efforts in distinguishing the different kinds of damages.
Each kind of damage has a maximum amount payable and each one is subject to a separate deductible. For example, if your property got damaged with windstorms and flooding then you will need to pay two deductibles separately. If you use coverage for a single peril then you will need to pay leftover damage cost from your own pocket.
Hurricane insurance cannot be purchased after the storm is forecasted. There is a waiting period of 15 days for getting hurricane insurance policy purchases approved.
