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Home Insurance. Saturday , February 24th , 2018 - 13:33:26 PM

Most homeowner insurance policies for coastal properties now have separate deductibles for damage caused by hurricanes, and the amounts are usually based on a percentage of the home’s insured value, rather than a flat dollar fee. Details of a policy’s hurricane deductible will typically be explained on the policy’s “declarations” page. Ms. Bach suggests that consumers call their insurance agent if they don’t fully understand what their policy requires, so they can plan for out-of-pocket costs in the event of a storm.

Here are three reasons to look into grading your yard sooner rather than later. Any land with a sloping hill leading into your property is going to cause water to drain into your yard or driveway. That water will eventually wear away your landscaping, leaving rivers between your bushes or pools of water in your backyard and potentially causing flooding problems in your basement. If you don’t fix the problem as soon as you recognize it, your property will be eaten away by water erosion, leading to a more expensive future project of having to bring soil in and re-landscape your entire yard.

If you live in an area or state that is at a higher risk for wildfires, it’s important to make sure that your home inventory is kept up to date, and is stored in a safe location-consider keeping a copy in a secure digital location “in the cloud” so that even if your computer or laptop are damaged, you’ll still be able to access a copy. A safe deposit box or a fire-resistant safe are two options for physical copies.

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