Hurricane Insurance Coverage for Policyholders

When owning property in a hurricane-prone area, being prepared is a necessity. As policyholders with properties in these areas, you have the means to safeguard your investments and set yourself up for a smooth recovery process. Here are five key things to look for to ensure that you have the proper hurricane insurance coverage:


Windstorm and Hurricane Coverage: Your Essential Defense

When considering your insurance policy, start with Windstorm and Hurricane Coverage. This coverage is your essential defense against the destructive impacts of hurricanes. Make sure your policy includes protection against wind-related damage, such as roof damage and shattered windows. This coverage not only shields your property but also provides you with peace of mind. 


Flood Insurance: Comprehensive Protection

In hurricane-prone zones, flooding is a major concern. While Windstorm and Hurricane Coverage are crucial, they may not cover flooding resulting from storm surges or heavy rainfall. To address this gap, think about adding a separate Flood Insurance Policy. This comprehensive coverage takes care of both structural damage and your belongings in the event of flooding.


Additional Living Expenses (ALE) Coverage: Your Support System

After a hurricane, your home might be uninhabitable due to extensive damage. This is where Additional Living Expenses (ALE) Coverage comes into play. ALE ensures you have support for temporary housing, meals, and other necessities while your property is being restored. This provision in your policy can greatly ease the challenge you face during the post-hurricane period. 


Named Storm Deductibles: Know the Details

Understanding your policy’s deductibles, including Named Storm Deductibles, is crucial. These deductibles apply specifically to damage caused by named hurricanes or tropical storms. Keep in mind that these deductibles are often higher than your standard deductible. Knowing these details can help you avoid unexpected financial setbacks.


Timing is Key: Act Before the Storm

One must remember that once a hurricane is named, you cannot modify an insurance policy. Taking a proactive approach and reviewing/updating your coverage before a hurricane approaches becomes essential. At Premier Claims, we dedicate ourselves to equipping policyholders like you with knowledge and foresight, ensuring you prepare well in advance.


We have partnered with the Merlin Law Group to provide extra insight on the importance of hurricane coverage. Anthony Pinot of Merlin Law Group stated, “as The Policyholder’s AdvocateTM, Merlin Law Group knows it is essential for policyholders to take the time now to make sure you are prepared for hurricane season and are not caught off guard. Merlin Law Group has created guides specifically for assisting policyholders in preparing for hurricane season. For residential policyholders, they have a Hurricane Checklist with tips on safeguarding your home and reviewing your insurance policy. They also have a Condominium Hurricane Preparedness Guide for multi-family properties.”

In conclusion, as industry leaders, we’re committed to supporting you not just as policyholders, but as individuals seeking security and recovery after a hurricane. Premier Claims is here to guide you every step of the way. For a complimentary policy review, fill out the form below. Your peace of mind is our ultimate goal.


FEMA Extends Deadline for Hurricane Ian Proof of Loss

Hurricane Ian Damage

After delivering the deadliest storm Florida has seen since the Labor Day hurricane of 1935, FEMA has issued a directive that extends the deadline to submit the Proof of Loss (POL) for a flood claim.

The FEMA announcement detailed which states are eligible for the extension, including Florida, Georgia, South Carolina, North Carolina, and Virginia.

The usual time frame for submitting a sworn Proof of Loss is 60 days. However, FEMA extended this deadline to 365 days from the loss date. It’s important to note that FEMA has also implemented a significant adjustment in its procedures. They’ve authorized NFIP (National Flood Insurance Program) to accept an Unsigned Adjuster’s Report instead of a signed Proof of Loss for claim evaluation and payment. This change aims to streamline the process and provide more flexibility for policyholders in the aftermath of property damage.

While FEMA has allotted insureds this extension to file their Proof of Loss with their insurance company, it is still vital to file your claim as soon as you possibly can. Your insurance company must inspect the property before you proceed with any repairs. However, you must mitigate the damage, meaning you need to protect the property from any further harm.

The claims process is difficult enough, don’t navigate it alone. Premier Claims experts guide you through the process, handle daunting tasks, and fight for your maximum payout.