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No Hurricane Insurance Deductibles Following Superstorm Sandy

Posted on Nov 20, 2012

Following Superstorm Sandy slamming into the New Jersey shoreline, many states made announcements regarding hurricane deductibles. Insurance commissioners from the following list of states declared that hurricane deductibles won’t apply in their jurisdictions. These states include:

  • New York
  • New Jersey
  • Maryland
  • Connecticut
  • Delaware
  • Pennsylvania
  • Rhode Island
  • Washington D.C.

What this means is that if you have a Sandy-related insurance claim in any of the above listed states, you will not have to pay the higher-cost hurricane deductibles. Why is this? Information from the National Weather Service indicates that when the storm made landfall, its strength had fallen below hurricane strength. When the winds made land and struck the Mid-Atlantic states, they were not hurricane-force winds anymore.

Accordingly, insurance companies cannot charge the higher deductibles for Superstorm Sandy damages. Insurance deductibles can be significant, ranging from one to five percent of the property’ value. This can be especially damaging for those already struggling to rebuild and recover following the storm’s damages. For this reason and because the winds were not hurricane strength, insurers should comply with these state announcements and not impose a hurricane deductible on any Superstorm Sandy homeowner’s insurance claim.

State insurance commissioners pledged to monitor the industry to make sure insurance companies are complying with the state insurance laws and fulfilling their commitment to their policyholders.

Although Sandy caused much residential and commercial property damages from high winds, policyholders shouldn’t have to pay the expensive hurricane deductibles.

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Bill Voss
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