Insurance Claims Are All We Do.


Policyholders are often faced with complicated issues after they suffer a property loss from a hurricane. These issues can arise while filing a claim with your insurance company. The claim information that is presented can be crucial and the strategy used can be paramount in your settlement.


Understanding the Details of Your Property Insurance Policy

What determines sufficient insurance for the hurricane season? It is important to understand:

  • Who is the insured
  • Exactly what is covered
  • What perils are insured
  • When coverage is provided (during hurricane season, continuous coverage is advisable)
  • What limitations may exist on the amount of coverage


While the video above references Hurricane Ike, the information presented is applicable to all hurricane damage claims.

Tips to Avoid Underinsurance

Policy Limits

Recovery for a loss is limited by the stated limits of the policy. Unfortunately, most properties are underinsured. To be made whole after a loss, your policy limits should reflect the value of the property. In most situations, for a complete recovery, it is advisable to purchase Replacement Cost coverage, rather than Actual Cash Value coverage.


Flood Damage
Flood damage is specifically excluded from most policies. Flood insurance is critical for all properties in flood- and hurricane-prone regions and is available through the National Flood Insurance Program, FEMA, or authorized private carriers.


Anti-Concurrent Clauses
Beware of anti-concurrent causation clauses which prohibit recovery when a covered peril and a not-covered peril combine to cause a loss. If a covered peril (wind) combined with the not-covered peril (flood) to cause the loss, the insurer may deny all or a portion of the claim.


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