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Home Insurance. Thursday , March 01st , 2018 - 11:53:00 AM

It’s human nature to become accustomed to watches and warnings if you live in an area that experiences such warnings every year. Resist the tendency to take these too lightly. Every storm is different, and a complex number of factors can either increase or decrease any storm’s intensity quickly. Review the experiences of others to see how your carrier handled similar claims in the past, and above all, stay safe.

Nineteen states and the District of Columbia have hurricane deductibles, according to the institute. Some states — including Alabama, Mississippi and South Carolina — 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.

Given the number of uninsured and underinsured homeowners during the 2017 natural disasters, there seems to be a disconnect between homeowners understanding their coverage and what their policy actually covers.

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