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10 Things To Know About Hurricane Insurance Claims

Hurricanes have affected many parts of the country from time to time and disrupted people’s lives. The government has listed areas that may be under the influence of the constant change in climatic conditions, which may sooner or later result in a hurricane. Having insurance that covers assets and essentials is quite helpful for people. Claiming a hurricane insurance can be tricky until you understand the details of it in totality. We have listed ten things you must keep in mind when taking hurricane insurance:

Home insurance does not cover flood damage
House insurance is under the category of blanket protection that includes more than one asset of your house or some properties in one policy. It does not, however, cover damages caused by a flood. For this, you need to log on to the government website that updates the areas that may be affected by a flood and decide on an insurance accordingly.

Auto insurance may cover damages from a flood
Depending upon the comprehensiveness of your car insurance, you always have a cover for flood damages to your vehicle. If the water damage is severe, your car will be eligible for full claim minus the deductibles.

Higher deductibles for damage by floods
There was a time when places like Florida did not have home insurance cover that included damage from floods. But now, with an increase in the number of calamities, insurers have started offering damage redemption in home insurance. The deductibles from flood damage are, however, much higher than the reasonable cost.

Added assistance
There are non-profit agencies that help people who have a disrupted life owing to a hurricane. If you need some medical or financial aid to get your life back on track, you can track down these agencies and seek help from them.

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Fallen trees
Hurricanes generally end up upsetting nature along with your homes. One such problem that you might face is an uprooted tree in your neighborhood. In case a tree falls on your house and damages a part of it, you are eligible for a claim equivalent to the portion destroyed. If not, and the tree only blocks your way, you can claim $500–1000 for getting the tree removed from the road.

Living expenses
In case your home is destroyed wholly or partially, and you must live somewhere else while the place is renovated, the insurer will pay you the expenses for the same, including house rent, food, and other such relative costs.

Immediate claim
It is understandable that this kind of calamity can leave you mentally disturbed, but the sooner you start documenting your application, the easier it will be to get your life back on track in no time.

Credit your possessions
List the inventory in your home to make your task of filing a claim smoother. It should be done as one of the essential tasks once you have registered for insurance in the first place. Such ready documentation speeds up the process of claiming the insurance.

In person support
The state insurance department has safety staff appointed solely for managing people in disaster-affected areas, answering questions, and helping you contact your insurer. Taking their support will help you get through your insurer faster. You could call their helpline as well.

State insurance department
The state insurance department, which works for the sole purpose of helping people get through such times, has been mandated to help people in distress.

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