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Home Insurance. Sunday , February 25th , 2018 - 20:36:53 PM

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.

Those 70 percent may enhance their coverage moving forward, but for them, it’s already too late. The uninsured damage has been done. If history is any indication, the key for consumers is to avoid being among this 70 percent left staring at a claim that will never be processed or only partially paid.

When you’re a homeowner, you have to deal with constant surprise challenges you may not have thought about back when you were renting a place to live. Your house may have been in pristine condition when you moved in, but time will show some issues your real estate agent may have not noticed or forgot to tell you about when you toured the place.

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