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Home Insurance. Sunday , February 25th , 2018 - 18:06:24 PM

Given the number of uninsured and underinsured homeowners during the 2017 natural disasters, there seems to be a disconnect between homeowners understanding their coverage and what their policy actually covers.

Some insurers might not include wildfires as a “covered peril” in areas that are prone to repeated wildfires. If you live in a state where wildfires are more common, your homeowners premium will most likely reflect that increased risk.

The trouble with this logic is that although many believe their insurance policy will properly cover them, in reality many will not be properly covered when disaster strikes. Take Hurricane Harvey for example. Approximately 70 percent of the flood damage from Hurricane Harvey was uninsured, according to CoreLogic, a leading source for flood and disaster risk data.

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