Looks like the insurance company response to hurricanes nowadays is to include a windstorm deductible in your policy, which is a far better response than pulling all insurance business out of dangerous states. See, in the past there has always been a flooding deductible and so the big game, when it came to a hurricane related claim; was determining (proving really) whether water damage was considered flooding or windstorm damage.
Let’s say you have water damage in your room. If the room is on the second floor and the flooding never reached that high, you have yourself a slam dunk case. If the room is on the first floor and the water did reach that high, you have to see if you have any broken windows. If you have a broken window, then you can make the case that the water was the result of rain that came in through the broken window.
Now the game has changed with the addition of a windstorm deductible because now, presumably, all the smaller claims will be tossed out (or absorbed) with the deductible; thus saving everyone some money (though mostly insurance companies). It’s only a matter of time before our insurances are basically riders like this windstorm one.
Source: New York Times
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