Gerri Willis’ mid-September Five Tips columns revolved around five tips for sorting out your home insurance claim and for anyone who has never gone through this, it’s important for you to understand these tips before you need to - here is the first tip.
Tip #1: Understand the basics
This is something that you have to do right after you get your homeowners policy - understand it. Many homeowner’s insurance policies specifically exclude events such as flood, earthquakes, and nuclear wars. However, in one of the things they usually cover is damage as a result of wind and in many instances of flood, such as hurricanes, wind is also a contributing factor in the damage. If you can show that wind-driven water damage is the cause and not simply flooding, you could save yourself some big bucks. It’s very difficult to tell the difference but it’s worth the effort.
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