Hurricane got you down?

Hurricane? Named Storm? Wind/Hail Deductible? Knowing which one applies in the event of a loss can be confusing!

A deductible is what you pay out of pocket, in the event of a claim, before the insurance company pays out for a loss. The amount you pay for a deductible can change depending on the peril, which is how the damage to your home or property occurred.

A Wind Deductible will apply if wind damages your property from a storm that is not a named storm or hurricane.

The Named Storm Deductible will apply if the storm was given a name by the US National Weather Service, the US National Hurricane Center, or the US National Oceanic and Atmosphere Administration. An example of this would be Tropical Storm Sandy.

The Hurricane Deductible would apply if a hurricane damages your property. A hurricane is a named storm that sustained winds at 74 mph or more, determined to be a “Category 1 Hurricane” or above. Any categorized hurricane, 1-5, would fall under this deductible. (Note: some states require at least a Cat 2 hurricane for the hurricane deductible to be activated.) An example of this would be Hurricane Harvey.

Keep in mind that hurricane damage is a subset of wind damage. So if your policy does not have a determined hurricane deductible, the wind deductible would apply in the event of hurricane damage.

 This article provides generic information only, for specific coverage questions on your policy please contact your Bouvier Agent at 860.232.4491 or www.binsurance.com.