The eastern seaboard of the United States is home to some of the most beautiful places when it comes to nature and sunny skies. Often times those sunny skies will turn to incredibly violent storms. This was the case for Florida recently going through yet another major hurricane.
Many people question just how people can live with violent storms that tear their homes apart repetitively. It’s not as easy as just filing an insurance claim like you would on your car. It’s far more complex than that, and the hurricane impacting them can be just as annoying as the insurance covering them.
Flooding Coverage Not Included
With hurricane insurance, people find that it’s the most ridiculous things that their insurance does not cover. The most common being flooding. Private insurance, does not cover flooding. In fact, you have to take out additional insurance in order to stay covered from the storm surge.
Flooding insurance is the only thing that covers storm surge damage to your home. This insurance is only available to you through the National Flood Insurance Program.
Consequently, your private insurance will not cover the storm surge flooding damage to your basement and foundation. However, if the rain and wind destroys your roof and pours water into the home, you will be covered. This is quite an odd scenario for most people that don’t know this information.
This premium can cost anywhere north of $700. It can raise even higher depending upon your living situation. If you live in a high flood risk area like a valley or near a swamp or lake, you may be paying steep dividends in order to obtain this insurance.
If that extra hike of a premium doesn’t make you cringe, then the deductibles someone will pay in order to get their insurance to cover something will. Deductibles with hurricane insurance are not the same as your deductible you have to pay on car insurance, let me tell you.
Instead of having a $500-$1000 deductible range, it goes off a trigger that sets your deductible to become a percentage based number, versus a flat rate. The insurance then calculates the percentage based off of where you live and takes into consideration the likelihood of your home being destroyed.
It’s similar to the flooding insurance policy. Except, the hurricane policy goes off of a trigger. The trigger refers to whether or not the national weather service issues a hurricane or tropical storm warning.
Once an issued warning occurs, your claim becomes apart of the percentage deductible. This percentage can range anywhere from 1% – 5%. So if you have an insured value of 300,000 on your home, you’ll likely have to pay between $3,000 and $5,000 in order to get them to begin chipping in. That’s outrageous, isn’t it?
What About Personal Injuries?
As most people know, you cannot sue a hurricane for hurting you. Act of God doesn’t quite operate under that realm. Whether a tree lands on you, or a trampoline flies through your window is beyond your own insurance.
In order to file a personal injury claim for yourself or a loved one obtaining an injury during a hurricane, it would have to be filed under the negligent policies of someone else’s wrongdoings.
In order for your lawsuit to be valid, someone would have to be negligent in taking care of certain precautions in a high-volume hurricane area. For instance, if your neighbor owns a trampoline. If a hurricane is coming it would be wise for them to either strap down the trampoline. This would more than likely not be effective so they’d have to more than likely disassemble the trampoline.
Hypothetically speaking, the trampoline is a threat to injure should it take flight and hit someone. Your neighbor is liable for your injuries and you can sue their insurance company in order to obtain your compensation. The same thing goes for a renters situation.
Remind your landlord of possible hazards in a potentially dangerous situation. The law requires your landlord to make adjustments to the housing situation like roofing, foundation, and even escape routes. Don’t get stuck paying your own medical bills when someone else was negligent.
Need the Best Personal Injury Attorneys Around?
Call on the Reyes Browne Reilley law firm in Dallas Texas. We have 25+ years of experience practicing personal injury law. Your case deserves the best representation possible to obtain your financial compensation. Just because someone made a mistake and you ended up paying the price, you shouldn’t be held liable for their wrongdoing.
Call us today for your 100% free consultation. Our dedicated legal staff is waiting to help you with your case review. Your case shouldn’t wait and neither should your life. Reach us at (214) 526-7900.