Most roof damage is covered by home insurance policies, however policies differ depending on a number of factors including amount of damage, age of the roof, how many times the roof has been damaged previously. In the case of a storm, most wind, rain or hail damage is typically covered by home insurance policies, and the claim will be investigated by an adjustor to verify the damage. When it comes to the age of your roof, some companies will...

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In September 2008, Hurricane Ike swept through the southeastern portion of Texas hammering Galveston and affected regions with $12 billion in insured losses. Flooded cities and destroyed neighborhoods turned to insurance companies to be the “good neighbor”s they had so long promised to be, but many failed to keep their pledge to support communities. As a result, locals were left in disheveled, often  uninhabitable homes, with...

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After a tropical storm or hurricane has left your city, you may think the coast is clear. Think again. Your life could still be in jeopardy even though the storm has already powered over your home. How? The unsuspecting waters on streets left behind by storms that does not absorb into the ground, referred to as “stormwater runoff“, can contain extremely hazardous substances. And, according to The Federal Emergency Management Agency,...

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During a natural disaster, such as a hurricane, local residents never want their problems to be compounded by looters and harassers. It’s important to learn how to protect yourself from intruders. Read on as we explain some valuable safety tips that will lead you away from any vulnerabilities. Scan Social Media During the wake of Hurricane Sandy in 2012, some looters unwittingly took to Twitter, a social media platform, to brag about their...

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Most people enjoy a nice, relaxing day by the pool in the summer. Unfortunately, pool season and hurricane season intersect! But missing out on a few days of tanning may be the least of  your worries; swimming pools and hot tubs that have not been properly prepared before a hurricane can be extremely hazardous. How to Prepare a Pool for a Hurricane Many people overlook swimming pools in hurricane preparation. Doing so may lead to a higher risk...

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What are Hurricane Deductibles? A deductible is a minimum fee paid by homeowners before insurance companies provide any coverage. Generally speaking, deductible fees come at a flat rate. Hurricane deductibles, however, are not so forgiving and often take unprepared homeowners by surprise. Rather than a flat rate of $500 or $1,000, hurricane deductibles demand a payment of 1 to 5 percent of the total property value. For a standard $200, 000...

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