It’s only the end of July and we’ve already had our first hurricane scare, plus a tornado. Weather patterns are changing. Most homeowners insurance policies have a separate (higher) deductible for hurricanes or wind. Here are a few pointers to keep in mind:
- The best option is to have no separate wind/hurricane deductible. Not all insurance companies offer this in our area.
- The next best option is to have a hurricane or named storm deductible. These apply only if the home is affected by a hurricane or a named storm. That means damage caused by a nor’easter would be handled under the regular (lower) deductible.
- The most common option in our area is a combined wind/hail deductible that is applied to any wind event.
Remember that roofs are like tires on a car – they wear out in time. Just as we would never expect auto insurance to replace worn tires, a responsible homeowner keeps their roof in good repair and replaces it when necessary.
Please keep us in mind for your home insurance needs. We treat our clients with care. We do not have a call center. You will be assigned a personal agent in our office. There are many ways to get started on a quote:
Old, new, town, country, waterfront – we do it all. We quote with many insurance companies to ensure you have the best match for your particular needs.
Call us with any questions or visit our homeowners insurance web page for more information.