DISASTER AID

Hurricane Deductibles

Your homeowners policy will likely have a storm deductible. This is the amount you have to pay out of pocket before your insurance coverage will pay for the claim. You will find the amount of your deductible on the declaration page of your policy. It may be called a hurricane, named storm, or windstorm and hail deductible. A storm deductible typically ranges anywhere from 2% - 5% of a home’s total insured value - so if a home is insured for $200,000 and has a 5% deductible, the first $10,000 must be paid out of pocket by the policy holder.

Navigating the Claims Process

CONTACT YOUR INSURANCE AGENT

Gather as much information as you can about your policy including how much time you have to file a claim.

REDUCE YOUR LOSSES AND KEEP TRACK OF THE DAMAGE

Snap a few pictures of any damage to your property. Residents are also encouraged to make temporary repairs.

KEEP YOUR RECEIPTS

Your policy could cover the cost of temporary housing if you're unable to continue living in your home due to damage.

AGENTS, ADJUSTERS & CONTRACTORS IDENTIFICATION

Speak with your adjuster, and contact the Better Business Bureau in your area before signing contractors for repairs.