Facing the Aftermath

Hurricane Damage and Property Insurance Claims

In the wake of a hurricane, policyholders are often left with significant property damage and the daunting task of filing an insurance claim. With our team, you don’t have to do it alone.

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Have you been impacted by Hurricane Ian?

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If you’re facing a hurricane claim, have questions about the process, or are unsure about your policy coverage, it’s important to know that you’re not alone. Our team of experienced insurance professionals is here to provide the guidance and support you need. We can help you understand your policy, navigate the claims process, and work towards your claim being paid fairly and timely. Don’t hesitate to get in touch with us—we’re ready to assist you every step of the way in your recovery journey.

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After the Storm:

Understanding Mitigation and Insurance Coverage

Post-hurricane, mitigation—actions taken to prevent further property damage—is crucial. These actions, which could involve emergency repairs or extensive work like water removal, aren’t only vital for protecting your property; they’re often required by insurance policies. Failure to mitigate can lead to claim denial, while some policies cover mitigation costs. Understanding mitigation’s role in your insurance claim process is key. For a comprehensive guide on mitigation measures and their impact on your insurance claim, we recommend reading Mitigation After a Hurricane, equipping you with essential knowledge to navigate hurricane aftermath.


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Unveiling Policy Endorsements and Exclusions:
The Impact on Your Hurricane Claim

Understanding policy endorsements and exclusions can dramatically impact the outcome of your hurricane damage insurance claim. These clauses can modify your coverage, either extending or restricting what your insurance policy will pay for in the event of a claim. We’ve listed some key endorsements and exclusions below to help you navigate through the complexities of your policy.

Dwelling Coverage

This covers the physical structure of your property. It is essential for repairing or rebuilding your home if it’s damaged by a hurricane. The coverage limit should ideally match the rebuild cost of your property.

Other Structures Coverage

This covers structures not attached to your main property, like garages, fences, or sheds. If these structures suffer damage in a hurricane, this section of your policy will come into play.

Personal Property Coverage

This covers your personal belongings within your home. It’s vital to ensure this is adequate as hurricanes can lead to significant losses of personal items.

Loss of Use or Additional Living Expenses Coverage

If your home becomes uninhabitable after a hurricane, this coverage pays for living expenses like hotel bills, food, and other costs. It’s important to ensure you have this in your policy to avoid undue financial strain.

Hurricane Deductibles

These deductibles apply specifically for hurricane-related damage and differ from your regular deductible. Understanding this is critical in knowing your out-of-pocket expenses. If you would like clarity of your deductibles and policy coverage, reach out to our team today for a free policy review.

Flood Insurance

Standard home insurance doesn’t cover flood damage, even if caused by a hurricane. Separate flood insurance is essential in hurricane-prone areas to ensure you’re adequately covered.

Windstorm Coverage

This covers damage from wind, which is a significant aspect of hurricane damage. Some policies may exclude or limit this coverage, so be sure to check yours.


Policies that pay Replacement Cost Value (RCV) will pay to replace damaged items with new ones, while Actual Cash Value (ACV) policies deduct depreciation. This distinction can significantly affect your claim amount. Learn more in our article, What is Recoverable Depreciation? 

Law and Ordinance Coverage

This covers the additional cost of bringing your property up to current codes during repairs. This coverage can be a lifesaver in older homes that may not be up to current regulations.

Water Backup Coverage

Hurricanes often lead to sewer or drain backup. Water backup coverage can cover the cost of this damage, which is often excluded in standard policies.


What Happens When an Insurance Carrier Goes Insolvent?

When an insurance carrier becomes insolvent, it means they’re unable to meet their financial obligations, including paying out policyholders’ claims. While this may initially cause concern, policyholders should know that mechanisms are in place to protect them. Each state has a guaranty association that steps in to cover claims when an insurance company cannot. While this can slow down the claims process, it ensures policyholders are not left without a means of recovery. Additionally, many insolvent insurance companies are taken over by a receiver who works to pay off the company’s debts, including policyholder claims. It’s essential for policyholders to continue filing their claims and documentation as instructed so they’re in line for compensation once the insolvency issue gets resolved. Understanding the insolvency process can aid policyholders in navigating this complex situation.

If you’re facing an insurance carrier that has gone insolvent, reach out to our team to get your claim resolved.


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Discover the Premier Difference

Learn about our comprehensive process designed to make your insurance claims experience smoother and more efficient. Meet our team of dedicated professionals, committed to guiding you every step of the way. And explore our services, tailored to meet your specific needs in the face of challenging times. We believe in transparency, expertise, and the power of personalized service. So, don’t wait—start your journey with us today, and experience the difference we can make.

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Navigating Your Hurricane Claim With Ease

If you have questions or are facing issues with your hurricane claim, remember that you don’t have to navigate these complexities alone. Our team of experienced professionals is always ready to help. We can assist in clarifying your policy details, guiding you through the claims process, and addressing any challenges that may arise. With our expertise and personalized approach, we aim to make your claim experience as straightforward and stress-free as possible. So, don’t hesitate—contact us today and let us guide you through the intricacies of your hurricane claim.


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