Will home owners get screwed?

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How does the hurricane deductible work?

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I am pretty sure everyone's hurricane deductible is much higher than the standard deductibles.

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How can the NWS call it a hurricane?

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Because there is sustained hurricane force winds.

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Everything I am seeing does not show any sustained winds close to hurricane level.

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Because you aren’t a trained professional and have no idea what you are talking about.

Most policies say "named storm" not hurricane. Now if you didn't buy flood insurance, the only person who screwed you is....you.

A few years back there was no hurricane deductible, I think it changed about 20 years ago. Just wondering if they designate these storms as hurricanes prematurely to help out the insurance companies.

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Just wondering if they designate these storms as hurricanes prematurely to help out the insurance companies.

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Yep...you figured it out!!!

The National Weather Service is in bed with the insurance companies and have been for 20 years. They get kickbacks from the insurance companies and the NWS prematurely calls these “storms” hurricanes. I hope you have a safe room because their agents are tracking this thread and will be at your home shortly.

Stay safe baw

Like any of this matters. My friend still hasn’t received her insurance payout from 3 years ago.

1-5% of what your Coverage A (dwelling) is insured for is a general range. $300k house, $3k-15k deductible depending on carrier and what policy you wanted. You have some say so in it... If you wanted the cheapest premiums you could get and elected higher deductibles, your gonna be paying for it now. If it’s all rising water, hope you have flood insurance.

Don’t try and get it after the fact. There is a 30 day waiting period before those policies are active once they are established.

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Has anyone ever had a pleasant or even fair experience with insurance?

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I own a restoration company, so I generate millions in revenue every year from insurance companies. They can be a pain, but I’m quite fond of them. You just have to know how to handle the estimating situation. I would suggest anyone with damage always have a contractor or public adjuster (depending on state) involved. The pricing software we use in the industry is (Xactimate) is easy to manipulate and write low estimates. It’s also easy to build an estimate the right way and there is plenty of money. You want someone who understands the software or you can get shorted pretty easily. Most restoration companies pay for the license.

Tell your insurance provider you want a flat deductible. I don’t have a named storm deductible in my policy on purpose. No sense dealing with that 2 or 3 or whatever percent because the storm got a name.