Home Insurance. Thursday , February 22nd , 2018 - 12:12:04 PM
News headlines in 2017 were dominated for weeks at a time with coverage of natural disasters striking parts of the United States — 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.
Don’t put off grading your yard if you notice signs of bad drainage. Repairing your landscaping and the foundation of your house will prove to be much more expensive than fixing the immediate drainage problem, and once it’s fixed, you could make your house worth more. Grading will help you sleep better at night when that next thunderstorm rolls in, because you’ll know the water will be successfully diverted away from your house.
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.
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