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Home Insurance. Wednesday , February 21st , 2018 - 23:14:40 PM

News headlines in 2017 were dominated for weeks at a time with coverage of natural disasters striking parts of the United States โ€” from Hurricane Harvey flooding homes in Houston, to Hurricane Irma destroying houses in Florida, to wildfires decimating swaths of homes in California. All told, the costs of these incidents are likely to make 2017 the costliest year on record for natural disasters.

Nineteen states and the District of Columbia have hurricane deductibles, according to the institute. Some states โ€” including Alabama, Mississippi and South Carolina โ€” offer a tax deduction for money deposited in special catastrophe savings accounts, to help homeowners set aside funds for their hurricane deductibles. Some policies offer discounts if homeowners use reinforced shutters to protect windows, or use special clips or straps to help secure roofs during storms.

Clearsurance found that 42 percent of the participants have not taken any steps to check their coverage. So if nearly 90 percent of the participants expressed concern a natural disaster could hit their area, why are so many failing to ensure that they are properly protected? At least to some degree, policyholders feel they are already properly covered in the event of a natural disaster. Clearsurance found that 65 percent of participants felt they had sufficient coverage.

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