Hurricane Insurance Claims
Before a hurricane, it is important to look into you options in terms of the different hurricane insurance claims. This will allow you go into the storm with your mind at ease, feeling more prepared for the aftermath.
Hurricane Homeowners Insurance
What? Most homeowners insurance policies only cover wind damage so look into adding flood insurance to your policy. This provides compensation for any damages due to flooding during a hurricane or tropical storm. By having these two coverages, your home is prepared for a hurricane.
When to buy? In many states, once a storm watch has been issued or 48 hours before the storm hits, you are unable to add a new policy to your plan. Thus, it is important to check your policy as soon as possible to ensure you are fully covered in the event of a hurricane.
How much? Insurance.com allows you to check the average cost of homeowners insurance by state. Typically, the cost of flood insurance tends to be lower in states that experience the most storms. Florida has to lowest cost at an average of $550 per year. To determine the average cost of flood insurance in your area, check out QuoteWizard.
Hurricane Auto Insurance
What? Similar to homeowners insurance, there is no hurricane inclusive insurance policy for cars or trucks. Hence, if your vehicle is damaged by a hurricane, it falls under auto insurance plans. These plans typically protect against theft, vandalism, and extreme weather.
When to buy? Like homeowners insurance, you must purchase auto insurance at least 48 hours before the warning or naming of a hurricane. So, especially before hurricane season, make sure you are full covered so you can go into the season well prepared.
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How much? The cost of a comprehensive insurance policy varies according to where you live and the current value of your vehicle. These comprehensive insurance plans tend to cost several hundred dollars more per year in premiums. However, it can be worth it in the case that your vehicle suffers thousands of dollars worth in damages due to a hurricane.
Read more on SC comprehensive auto insurance here.
Hurricane Travel Insurance
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What? If you are in the process of booking travel, you may have the opportunity to add hurricane travel insurance. This protects against changes or cancellations to your travel due to a hurricane. If a hurricane disrupts your plans, you could be reimbursed for flights, hotels, and other expenses. This, however, is not simply receiving a refund because your trip was cut short or there was bad weather. Your arrival must be delayed at least a day, there must be a forced evacuation of your hotel, or there is a closure of the airport or major road. Lastly, the refund is not because of potential complications, but disruptions that have already taken place.
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When to buy? Travel insurance must be purchased within 24 hours of a storm warning or naming of a hurricane. If you are planning a trip to a destination where there is a significant risk of being delayed or stuck due to a storm, it would be a good idea to look into purchasing travel insurance.
How much? The price will vary depending on many factors-flight cost, hotel cost, destination, etc. However, generally the cost of travel insurance is between 4-8% of the total trip cost.
Hurricane Boat Insurance
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What? Most insurance policies cover the main sources of damage from a hurricane-flood and wind. It is vital to double check what you policy does and doesn’t offer before a storm. Some policies will compensate you for the towing of your boat to a safe location prior to the hurricane. Additionally, they may offer reimbursement for securing your boat or relaunching it after the hurricane has hit.
When the buy? If you are looking to be fully compensated for damages to your boat during a hurricane, make sure you buy a policy soon. Most boat insurance companies require you to have purchased a policy at least 30 days before the storm. The prevents individuals from purchasing a policy once the storm warning has been given.
How much? This will depend on where you live, the size of your boat, and the current value of it. Simply put, the larger the boat, the more expensive the insurance. For an idea, the annual cost ranges from $200 to $1,000+.
Contact A Hurricane Insurance Claims Lawyer
In the event that a hurricane has hit and you are fighting with the insurance company to cover damages, it might be time to turn to a lawyer for help. Whether it is your home, your vehicle, your boat, or your trip, our hurricane insurance claims lawyer can help you get back on your feet. Leave the frustrating back and forth up to us, and focus on a speedy recovery.
We offer free consultation for all individuals who are struggling with hurricane insurance claims. Even if you have been told “no”, you might still have a case. Contact one of our attorneys today to start the process of getting your compensation.