Hurricane or wind?

Hurricane Irene brought destruction to Massachusetts and left many without electricity. Estimated damages from high winds and torrential rain range between $3 billion to $6 billion.

She also brought renewed debate over Hurricane vs Wind deductibles.

For the residents of Massachusetts, Hurricane Irene had become Tropical Storm Irene before making landfall, raising the question of whether the hurricane deductible or wind deductible should be applied.

Claimants will find there’s a big difference between, say, a hurricane deductible of 5% of the coverage A, Dwelling, amount and a flat $1,000 deductible if not a hurricane.

Do you know what kind of deductibles you carry?

Finding out at claim time is not the ideal time.

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