Double Check Your Insurance Policy Before Hurricane Season

Insurance policies are similar to a lot of other things where one does not fit all. Depending on your home itself and the location of the home, a homeowner’s insurance policy that may be best for one person may not be the right one for another person. One of the most important things to consider when you are purchasing homeowner’s insurance is that you assess your risk of hurricanes and flooding. As history has shown between Hurricane Katrina and Hurricane Sandy, it is essential that you have the necessary amount of coverage that can assist you if your home is damaged in a hurricane or a flood.

One factor to keep in mind when considering which type of insurance policy is right for you is assessing whether it is your primary residence or a secondary residence, such as a beach home. If the home is your primary residence, you will need homeowners insurance, which generally includes liability coverage. Dwelling insurance is generally an option chosen for a secondary residence. Generally speaking, damage from a hurricane is covered under a windstorm coverage. However, keep in mind that flood coverage is usually not included so you may want to determine if you live in a flood zone and obtain additional coverage for this situation.

If you do live in a flood zone or in an area where hurricanes are common, make sure you keep your house up to code and updated. This may make the difference between being able to make your home more insurable than other homes. If you need legal assistance for an insurance matter, contact our firm today.

The Law Office of Craig A. Blumberg is an experienced New York City insurance law firm. If you require quality assistance after having suffered property loss, please contact our firm to schedule a free initial consultation.