How to Get Insurance Against Hurricanes

If you're worried about having to rebuild your home in the event of a disaster, follow these tips to prepare and safeguard you from having to pay out of pocket for rebuilding your home. Make the insurance company cover the cost.


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    Call multiple companies to shop rates.
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    Find a reputable company to insure your dwelling, with adequate coverage for your contents.
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    Make a home inventory. Although not required by an insurance company, it is a good idea. Often your agent will have a pamphlet with a home inventory form inside to make it easier. Still don't think you need an inventory? Stop to think about a drawer in your bedroom, and write down everything that is in the drawer without looking at it. Now go look at the drawer. Chances are you forgot more than half of the stuff in the drawer. If you have a significant loss, you will not be able to go to the drawer to check what was damaged because there will be no drawer.
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    If your home does get damaged during a hurricane, make sure to report it to your insurance company as soon as possible. In a catastrophic situation, claims are handled in a triage system, usually depending on the size of the overall loss. Make sure when making a claim to be as specific as possible and leave out the maybes. Also remember not to contradict yourself. You are most likely being recorded, and if not, what you say will be well documented.
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    Having a disposable camera is a good way to document damage.


  • If you are in a coastal state, most renter's and homeowner's policies have hurricane coverage as part of the policy. If you do not have a renter's or a homeowner's policy, then most likely you do not have hurricane coverage. Check with your local agent to find out if your policy has coverage for hurricanes and/or wind.
  • A common problem after water damage is that the water does not dry, causing mildew. Mildew is covered by most insurance companies, but is limited. Mold laws are different from state to state, so check with your agent. Most mold claims can be covered as a result of hurricane damage. The term is proximate cause. As long as the mold is a result of a covered peril, you should have no problems getting it covered. However, if you did not clean up the mess and attempt to dry out the water in a timely manner, they may deny the claim.
  • Some policies do not cover wind-driven rain, so check with your agent to find out if wind-driven rain is covered.
  • Find out your company's rating with AM Best, which rates all major insurance carriers based on their financial stability (how much money they have in relation to how many homes they insure). You want an "A" rated company.


  • If you want to be compensated for damages and you don't have proof of how a hurricane damaged your home and your stuff, you won't get reimbursed.
  • If you have a homeowner's policy with a company, it is always good every year to go over your coverage amounts and make sure it adequately covers your home. If your home is under-insured, the compensation will be based off a percentage of what you had the home insured for. For example, if you had the home insured for 80% of its value, you will be compensated for 80% of your losses.
  • Acts Of God (i.e. hurricanes, tornadoes, etc.) are not usually held against the customer.
  • Insurance companies may not always be willing to insure you due to prior claims or your rating territory.
  • Insurance is not a lottery ticket; the purpose of insurance is to put you back to the condition you were at before the loss occurred.

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Categories: Insurance