A hurricane hit my house

A hurricane hit my house

CATEGORIES:

I am not one of those who live in Never-Never Land. If there is anything that global warming has shown us, it is that things we would not have dreamed of happen, climate-wise now. Hurricane Harvey (which hungrily hit Houston) devoured 30-40,000 homes in 2017. It becomes foolish to think it would never happen to you.

When a hurricane hits

When a hurricane feeds over warm water the effect can be a rise in the sea level causing coastlines to be battered as the storm approaches. As it comes onto shore, the danger of wind damage is exacerbated by flooding caused by the high winds pushing enormous amounts of ocean water onto land. Then, of course, there is the possibility of further damage and flooding caused by the copious amounts of rain that accompany hurricanes.

We have to talk about insurance

Your house is in danger of two things in a hurricane, the wind and water.  Hurricane insurance will cover some of the damage but most insurance does not cover flood damage, and of course, it is water that causes most of the disaster.

Getting separate flood insurance is really important. Most are government underwritten, (whereas the insurance companies will underwrite wind damage).

Another thing you need to know is that most insurance companies require a 30-day waiting period before the policy kicks in. With hurricane season in full force, it is not the time to try and get insurance.

Make sure to get and keep insurance up to date well in advance of the hurricane season. Another good thing to understand is what your policies actually mean. What are your deductibles and what is really covered? In effect, you bear some of the risks. Let’s say that your house is valued at $350,000 and you have a 5% deductible, you’re on the hook for the first $17,500 if your house is totaled. Make sure you understand the extent of your liability and look to mitigate it where you can.

It hit – now what?

The first thing to do is document the damage. It makes sense beforehand to walk around the property and take before pictures. This will give you a point of comparison. Once there is damage, take photographs and document the effects immediately. You will forget things if you don’t and when all is said and done, this is what insurance is for.

Next, create an inventory and try and make your house secure. Like the before and after photos, an inventory before will help you keep track of the losses after. Insurance is there to protect you against loss, to put it back as it was before, so ensure you know what was.

If the house in uninhabitable getting a place to stay is obviously an important task, but file your claim as quickly as you can. There are rules on the insurance companies which mean they have to get cash to you quickly, this is a time when you’re going to need access to it, the sooner you make a claim, the faster you will get your money.

LATEST POSTS

Choosing Proper Homeowner’s Insurance if You Live in Hurricane Territory

Living in hurricane territory can cause a lot of issues for homeowners, and we’ve all heard a number of stories related to what people have had to do in order to get good results for what is going on around them. That being said, if you’ve bought your first home in hurricane territory or you’re […]

It is hurricane season one more time

In the U.S., the hurricane season has a different duration depending on your coast. The Atlantic season lasts from June until the beginning of September, whereas on the Pacific coast the season lasts from mid-May until the end of November. The 2018 season Here we are in mid-September and so far this year, the number […]

What To Do If Your Home is Damaged During a Hurricane

Hurricanes can cause a lot of problems, especially if you were right in the path one. That being said, if you are homeowner in a hurricane prone area, you may be trying to sort out what it is that you’re going to need to do if something occurs and you need to get things in […]

Your Home Was Destroyed During a Hurricane – Now What?

  Dealing with a hurricane is bad enough – but if you had to evacuate and you came home to nothing, what are you supposed to do? What sorts of things are out there and how can you be sure that you’ve doing everything possible in order to stay ahead of everything? When you’re dealing […]