GHFS
06-01-2009, 10:47 AM
The majority of insureds take their agents word on what a policy covers. They don't sit down and ask will I be covered in the event of... Does my deductible apply for this.. and how much coverage do I have for that.. what is my deductible?
With today being the beginning of the Hurricane season, there is no time like the present to start asking all those questions. Most carriers have a 2% Named storm deductible and if you are closer to the coast maybe 3% or even 5%. It's not the same as your wind/hail deductible.
Some policies have a seperate deductible ($100) for loss of perishables while other policies it will be included with your personal property and would have to meet your higher deductible. And if this was all that you lost, then o well.
So take the time to call your agents and ask the important questions the best type of client is a well educated client. Just dont take "oh yes its covered". Know for sure. ;)
With today being the beginning of the Hurricane season, there is no time like the present to start asking all those questions. Most carriers have a 2% Named storm deductible and if you are closer to the coast maybe 3% or even 5%. It's not the same as your wind/hail deductible.
Some policies have a seperate deductible ($100) for loss of perishables while other policies it will be included with your personal property and would have to meet your higher deductible. And if this was all that you lost, then o well.
So take the time to call your agents and ask the important questions the best type of client is a well educated client. Just dont take "oh yes its covered". Know for sure. ;)