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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.

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.

You may think you don’t care if you have puddles in your backyard or a tiny stream that runs for days between your flowers after a thunderstorm, but grading your yard could add value to your property, or at least lessen the negative impact water problems could have on a future sale price. If you aren’t completely sure this is the house you’ll always live in, it’s in your best interest to make your property worth as much as possible.

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