The U.S. has just entered into the 2010 hurricane season, and especially for people in the deep south, whether or not to purchase a policy for hurricane insurance is a main question. 2010 is projected to be a very active hurricane season. There’s no doubting the horribly destructive power of a hurricane, as well as the floods, tornadoes, incredible winds, massive hailstorms and other phenomenon that hurricanes spawn. And for homeowners that base their lives in geographical zones that have elevated probabilities for experiencing hurricane conditions, the time for decision-making has well arrived.
Fast facts that you need to know about hurricanes and hurricane insurance:
- You need to understand the differences between hurricane damage and flood damage. Ideally, you will own a policy for both types of protection. Insurance companies make specific distinctions between water damage and wind damage. Flood insurance policies do not pay for wind damage. And hurricane insurance policies do not pay for flood water damage. Thousands of residents that were blasted by hurricanes Rita and Katrina assumed that they were protected because their homeowner’s insurance policies covered wind damage. But that means that the only water damage that was covered was water damage that resulted from water being blown by the winds. Flood water damages were not covered.
- Read the small print on your homeowners, flood and hurricane insurance policies to be sure whether or not they cover debris removal, vandalism, fire, repairs, cash-value replacement of ruined items and ALE (additional living expenses).
- Shopping for your hurricane insurance online is the most effective, efficient and timesaving method available. You’ll have all the information and best rate quotes simultaneously available from all major insurance providers in your area. You don’t need to make phone calls. You don’t need to take notes. You don’t need to drive your car back and forth comparing services. It couldn’t be easier!
- Remember that even if you have hurricane insurance coverage, you should still have a cash reserves set aside to protect your family and maintain comfort levels during an emergency situation. When a hurricane hits, insurance companies are flooded with claims. Sometimes, policyholders have to wait longer than is comfortable to receive benefits. And of course, the lower your coverage and benefit levels are on your homeowner’s and hurricane insurance policies, the more need you have for a beefed-up emergency reserve fund.
- The final point: it’s advantageous to know whether or not your policies for homeowners, flood and hurricane protection cover damages and repairs made necessary because of mold and/or mildew.
Get to know the ins and outs of your specific coverage limits for wind, water, flooding, hail and other hurricane-related damages. It’s far more beneficial to know and understand the details of your policies before you actually need their protection. Flood and hurricane insurance, although both are numbers games, can definitely save your family from financial devastation in the event of a natural catastrophe.
The best time to find out how much you can save on your present insurance policies is right now!
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