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Home Insurance. Thursday , March 01st , 2018 - 13:47:04 PM

The Atlantic hurricane season is a little more than two weeks away, so now is a good time for homeowners along the coast to check their insurance coverage. The annual hurricane season runs for six months, from June through November. “A good place to start is your deductible,” said Amy Bach, executive director of United Policyholders, an advocacy group that works on behalf of consumers with insurance. “It’s really helpful to know what the dollar amount is.”

However, if you feel overwhelmed thinking about this and don’t want to risk making a mistake that’ll hurt your property, call a contractor to come over and give his opinion on what needs to be done. A steep slope or difficult soil may make it difficult to level on your own without heavy-duty equipment. The contractor will be able to work with you to ensure the problem is solved, so if you have the money to pay them, it’s a great option to consider.

Loretta Worters, a spokeswoman for the Insurance Information Institute, a trade group, said some insurers include the dollar value of the deductible, along with the applicable percentage, to eliminate confusion. A hurricane deductible is distinct from the deductible for other sorts of damage to the home and usually goes into effect when a storm is categorized as a hurricane by the National Weather Service — or, in some cases, when a storm is named, even if doesn’t become a hurricane. (Some policies have separate windstorm deductibles that apply even for unnamed storms.)

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