Florence Aftermath: What to Do After a Hurricane

House with flood water in yard after hurricane.
Rising water causes much of the damage during a hurricane.

Hurricane Deductibles

Providers typically include a hurricane deductible in insurance policies for coastal homes. Most other insurance deductibles have a set dollar amount, but hurricane deductibles are set at a percentage of the home’s value.

That means if a house is valued at $300,000 and has a 5% deductible, the policyholder must contribute $15,000 out of pocket toward repairs or replacement before the policy begins paying. This applies only when a home is damaged or destroyed by a hurricane.

To see if your policy includes a hurricane deductible and how much it is, contact your insurance agent.


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3 COMMENTS

  1. Very helpful tips, however; I wouldn’t file an insurance claim unless the total damages were really, really severe. If you decide to file a claim, your insurance premium will most likely increase, so make sure it’s worth it.

  2. Our summer home was totally destroyed inside and the roof by a hurricane. We did have water damage insurance too. But, people keep saying well you will never get that home covered again by your insurance? Just curious – we have been covered by this same insurance for multiple years on all our vehicles, homes, etc. What is the general rule on this? Can they refuse to cover you again?

  3. We filed 2 claims in one year. One caused from weather and one from our neighbors home catching fire.. So after 25 years with the same company they dropped us!!!!

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