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Understanding Your Hurricane Deductible and Insurance Coverage After Hurricane Irene

Getting homeowner's insurance on a house you bought may be required, but how do you know the insurance you have is enough? When disaster strikes, like Hurricane Irene, you need to make sure that you understand your policy and that you have enough insurance coverage in case you need to rebuild your home.

Although you may never think destructive damage would happen to you, Hurricane Irene has proven that many homeowners who had never sustained damage like this before were affected by this powerful storm.

A Closer Look at Homeowners Insurance

Homeowners insurance is generally based on the cost of rebuilding your home and not the current market value. This is why it is important to have additional coverage and to have coverage for replacement costs.

It is also important to understand your hurricane deductibles. After a storm hits, you may be left with a deductible before your insurance coverage kicks in. Generally, a deductible is a flat dollar amount, such as $1,000; however, hurricane deductibles are a percentage of your home's insured value.

Hurricane Deductibles

Hurricane deductibles generally vary between one percent and five percent of your home's insured value. You will be able to find your hurricane deductible on the declarations page of your insurance policy.

Whether a hurricane deductible will apply depends on the state, insurer and the wind speeds of the storm involved. For help understanding your homeowners policy after Hurricane Irene, call an experienced hurricane insurance claim attorney today.

At the Voss Law Firm, our skilled Texas insurance litigation lawyers will discuss your case with you in a free, no-obligation consultation. Simply call 888-614-7730 and schedule your appointment today.
Bill Voss
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Aggressive policyholder attorney that fights hard for his clients and won't stop until he wins.
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The Voss Law Firm, P.C. represents clients on a local, national and international basis. We proudly serve companies and individuals along the Gulf Coast and around the globe on a contingency fee basis. Our law firm collects nothing unless we recover on our client's behalf.

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