For some CT homeowners, the aftermath of Hurricane Sandy can bring another round of troubles and hardships that you may not have been aware of. Many insurance companies have raised rates and even added new wind and hurricane exclusions and deductibles, since the weather seems to be getting worse and worse. So that’s why we are here to give you the tips you need so you can receive the full benefits of your CT homeowners insurance.
Make sure to file your claim as quickly as possible.
You may get the necessary aid quicker if you’re swift with your claim. Typically, flood insurance carries a 60 day deadline, so if you miss that deadline, your coverage will be worthless.
If you’re able to, get a crew into your home and dry/ dehumidify your home as quickly as possible. Hire a reliable and known company too, because they have the big equipment necessary to get your home back to normal.
Hotels are a possibility, but keep your receipts!
Moving into a hotel can be an option for some people if the power hasn’t been restored for a couple days. Your CT homeowners insurance should cover hotel stays if your house is uninhabitable. In addition, you may also be covered for food if you were a part of a mandatory evacuation.
Make sure you know the ins and outs of Connecticut’s rules
There’s a big difference in the name of the storm that hits your home. If it’s a hurricane on the coast, but downgrades to a tropical storm by the time it hits your house, the higher hurricane deductible may still apply to your claim…. Or it may not. Check to be sure!
That’s the end of our three part guide in discussing the ins and outs of CT homeowners insurance and the aftermath of Hurricane Sandy. Please stop by Paradiso Insurance or give us a call with any needs you may have.