| Prior to the Hurricane Season it is important to | | | | is the maximum amount that the federal government |
| review your homeowners insurance policy to | | | | will insure through the NFIP. |
| determine if it covers hurricane losses, or if you need | | | | Additional coverage may be available from private |
| a separate hurricane or windstorm policy.This is a vital | | | | carriers; however, these policies tend to have much |
| part of hurricane preparation that many people do | | | | higher premiums. Make sure you understand what the |
| not think about until it is too late. If you have trouble | | | | premium of your insurance claim coverage will cost. |
| settling your claim, it is likely you will need a denied | | | | The strength of a storm has everything to do with |
| insurance claim lawyer to help settle your losses. | | | | the storm surge and wind damage that is sustained |
| Windstorm Coverage | | | | by coastal areas, but may not be related to the |
| If your insurance policy does cover hurricane | | | | amount of rain and inland flooding that is associated |
| damage, there will usually be a large deductible for | | | | with a particular storm. In fact, some the highest |
| such losses. The deductible may range from 2 to 5 | | | | rainfall totals and worst flooding has been associated |
| percent of the insured value of the property. Other | | | | with smaller storms that have a greater tendency to |
| casualty losses not caused by hurricanes are usually | | | | move slowly or stall after making landfall. |
| covered under a relatively small deductible. In the | | | | Inland flooding associated with hurricanes and other |
| event that your policy does not cover windstorm | | | | tropical storms can be seen hundreds of miles from |
| damage it is a good idea to invest in a separate | | | | where the storm made landfall, and poses a real |
| windstorm insurance policy that can usually offer | | | | threat to virtually every community throughout the |
| similar coverage for competitive rates. Be sure what | | | | United States. |
| your policy covers so that you won't face a denied | | | | If you do not already have flood insurance you |
| insurance claim down the road. | | | | should consider it. This is the only way to insure that |
| Flood Coverage | | | | your investment is safe when mother nature attacks. |
| A flood policy is technically not an insurance policy, | | | | If you need a denied insurance claim lawyer to settle |
| but rather part of a the National Flood Insurance | | | | disputed losses, find a reputable attorney that |
| Program (NFIP), which is managed by FEMA. The | | | | specializes in hurricane and flood claims. The more |
| average cost for $250,000 of building insurance and | | | | prepared you are in picking your policies and |
| $100,000 in contents coverage is around $350 per | | | | understanding your coverage, the stronger your |
| year, depending on the location of the property. This | | | | denied insurance claim case will be. |