You don’t know how a hurricane will affect you until it hits. Unfortunately, for many homeowners, this can mean a lot of property damage. Fortuitously, guarantee coverage can go a long way toward moderating the impact of hurricane-related problems.
Homeowners’ insurance typically covers four main categories
Standard homeowner policies protect the following people
- Is your home
- Independent units (such as garages and sheds)
- Your personal belongings
- Cost of living (if you are displaced).
Insurance claims for your property are typically up to 70% of the insured value of your home.
Hurricane damage insurance: You may have a hurricane deductible
Hurricane deductibles can be as much as 5 percent of a home’s insurance value, and many homeowners aren’t mentally or financially prepared to pay that much out of their own pockets, especially if bad weather strikes. How big is that? For example, if your metal-roofed home is insured for $250,000, you must pay the first $12,500 of your claim before the insurance kicks in.
Flood insurance is a separate product
Even if a flood is caused by a hurricane, your standard homeowner’s policy doesn’t cover it. Therefore, you need to purchase flood insurance separately to get insurance. If you live in a federal flood zone, you can get flood protection through the National Flood Insurance Program.
Need a new roof because of hurricane damage? Consider a stone-coated metal roof! At JINHU, we support metal roofs because we know they will last. If you are looking for beauty, durability, ease of maintenance, and energy efficiency in a roofing option, you can’t go wrong with our roofing system. To learn more about metal roofing and what we can do for you, just use our free Enquiry form and get a free quote right now!
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