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Is your home fully insured against hurricane damage?

Written by: Sill Public Adjusters

Is your home fully insured against hurricane damage?

Public adjusters can help homeowners who need to file an insurance claim, but you can help yourself by checking your policy for the right coverages before hurricane damage.

Sill is the leading public adjusting firm in North America. Our company features a team of licensed public adjusters, along with building and contents appraisal experts who help homeowners through every step of an insurance claim.

When you hire Sill, we review your policy coverages, inspect all property damage, and carefully put together your proof of loss report, which your insurance company will require. We also negotiate the value of your loss.

Our clients settle their claims much faster, and they get the insurance settlement they deserve.

If your home is damaged during a hurricane calling Sill can save you countless hours of work and thousands of dollars.

We have some advice for homeowners about steps you need to take to protect yourself before a storm. You will need to take a close look at the coverages in your policy and look for these three things:

First, do you have flood components that cover your property from a dangerous storm surge or rising waters specifically brought on by a hurricane? A standard home insurance policy is likely to exclude this type of coverage. If you live in a hurricane-prone region is an excellent idea to add this to your policy.

Second, look for something called a wind-driven rain exclusion. Wind-driven rain is not the same as water damage coverage. If this exclusion is in your policy, you will talk to your insurance provider about removing it.

Third, your deductible is something you need to spend time thinking about. A higher deductible typically means your monthly premiums are a bit lower. This may not be the most cost-effective approach to protecting your property. If you live in a region that a hurricane may impact, you may want to consider paying a bit more each month in exchange for a lower deductible.

After a devastating storm, there is a chance that you'll face mounting expenses, so having more cash available to you in the aftermath of a hurricane may be a wiser decision.

If your home is damaged during a hurricane, you can contact Sill 24/7. Let Sill take on the burden of handling your insurance claim so you can focus on your family. We have offices throughout North America, which means we can respond to any region within hours.