Hurricanes and Insurances

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Usability of insurances: How to protect Hurricane damages? Save money and time by being informed.

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The hurricanes indeed cause a lot of damage worldwide and most of the damage is caused by the flooding and a lot of people do not know, yet flood damage is generally not covered under most home owners policies. This results that many people are completely left sol and it throws a lot of them into financial ruin. Really the worst is that people do not know about this.

In the past there was a case that went all the way to the supreme court because one of the insurance companies would not pay for the flood damage caused during an intensive hurricane and that even though the home owners insurance had included a clause that the insurance would pay for wind driven rain damage. In this case the owners of the home in the class action lawsuit said. ´´Well a Hurricane is driven by wind and that is the reason what caused the water to flood and therefore you have to fix the homes and you cannot get out of it!´´. The result was that the supreme court disagreed and sided with the insurance company. Therefore they were not made to pay on the claim. It can be seen that most homeowner’s policies of the insurance companies do not include flood damages. Some of the experts say really none of them do and no insurance company cover homes for such flood insurance. But there is something new.

Now there exist state plans respectively government plans also to build an insurance with which you can participate in that cover flood damage. but this will not be in all places of the US. You need to protect your property with proper drainage and then the insurance would cover the damages.

What now can you do to be better protected with your property from flooding when a large Hurricane or a super precipitous Tropical Storm unloads many inches of rain during a short time period at your property? You can protect your home with many things. Your landscaper can help you with to choose all possible options. Nevertheless, when in reality, once the water gets that high, there is little if anything you can do. Please consider all this in the last years in some areas. If you live in such region it may be better to sell the house in good times and to buy one in higher areas. If the weather is fine nearly no one thinks about hurricanes and storms.

12.02.2009