It looks like South Florida has dodged the hurricane bullet again.
While I am out of town for this event and missed it altogether, I understand
from friends it was not that bad…. a lot of rain, but not much wind. Rain however can cause significant damage.
This is particularly true if it results in widespread flooding. Many homeowners
are surprised to find that flood is not covered by their insurance policy. That’s
true. You need to purchase flood insurance before flood is covered. If you have flood insurance you should be in
good shape.
However, tropical systems can down trees and deluges that
accompany them can also pour in through leaky roofs or through broken windows causing
substantial damage. If this has happened to you, when you report your claim to
the insurance company, don’t tell them your house is flooded. Flood in an
insurance policy has a specific meaning (a general inundation of a normally dry
area over an area of 2 or more acres). If you tell the insurance company your
house is flooded from the storm, they may mistakenly presume you mean flood when
you really mean damaged by water from a leaky roof or broken window. In so misconstruing your report they may deny
your claim without even bothering to inspect the damage.
Many areas have experienced power outages. Regardless of
whether your home is damaged by flood or water pouring through a hole in your
roof, you should be aware of electricity. When the power is restored, there is always
the danger of electrocution. So be safe in Isaac and be careful of electrical
lines in and outside your home.
Remember, you can find information on how to make an insurance claim at www.BenefitBill.com
Bill
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