After recent storms, many insurance customers faced major frustration with the insurance claims process. Insurance companies are large, often seemingly uncaring entities when it comes to paying claims. However, in most cases the insurance companies do care, but they are overwhelmed with claims. It is critical that you be prepared ahead of time to deal with the claim process. Filing a hurricane claim is not like filing an automobile insurance claim. There is a detailed and complicated claims process.
II. Be sure that you have all three parts of the hurricane insurance equation. For example, if someone convinced you that you did not need flood insurance, they were likely wrong. If you do not have a flood policy, you have no coverage for rising water or storm surge.
Windstorm Insurance
Obviously, windstorm is a great risk during a hurricane. If your roof blows off, windows are broken or trees fall on your home or business, this is covered by your WINDSTORM INSURANCE. Flooding is probably the most overlooked and costly part of any hurricane. Damage arising out of rising water from rain or damage from tidal surge from the Gulf of Mexico or Bays is covered by FLOOD INSURANCE.