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Home Insurance. Friday , February 23rd , 2018 - 20:07:50 PM

The outcome of these disasters โ€” many uninsured and underinsured consumers โ€” should serve as a call to action for insurers. They must do more to educate consumers on what is not protected against losses in the policies they purchase.

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.

Review your homeowners policy and understand what it does and does not cover. Many homeowners are unaware that damage caused by flooding resulting from a hurricane is not covered by their homeowners insurance. If you live in a coastal area, even if you are not in a low-lying area, you might want to consider purchasing flood insurance. Do not wait too long to do this, as most policies are usually not effective until after 30 days.

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