If you own a house that is located along the ocean or bay or within a coastal community, you've most likely had your share of hurricane warnings, and you may have even suffered the effects of a storm. Although you can't stop storms from happening, with preparation, you can protect your family, your home and your possessions from their damaging effects. Sometimes, the best way to fight back is to be ready.
If you are building a new home or an addition in a hurricane-prone area or rebuilding after damage from a hurricane or storm, understand that choices made during the construction process can go a long way in helping to protect your home and property from extensive damage. Here are some things to consider, whether or not required by local building codes:
Following a Hurricane or Windstorm Event
Because most of Chubb's homeowner policies provide "all risk" coverage, physical damage to your home or other structures at the insured location caused by hurricane or windstorm may be a covered loss. However, a special deductible may apply in lieu of your standard deductible.
Chubb only covers damage caused by flood, surface water or ground water if you have purchased flood coverage in addition to your homeowners policy.
We may, however, pay the following extra coverages (the base deductible or a special deductible may apply) depending upon the policy under which you are insured:
Additional Living Expenses or Loss of Use Coverage: If a covered loss to your house, other permanent structure or contents makes the dwelling(s) uninhabitable, we may provide coverage for any reasonable increase in your normal living expenses, which could include:
However, power outages that do not result from a covered loss to your property will not trigger Additional Living Expenses.
Temporary Precautionary Repairs: After a covered loss, we may provide coverage for temporary precautionary repairs to protect the home, contents or other structures from further damage.
Debris Removal: We may pay for the cost to demolish damaged property and remove debris.
Forced Evacuation: If you are forced to evacuate your home or other permanent structure as a direct result of a covered loss or a reasonable threat of a loss covered under the policy, we may cover the reasonable increase in normal living expenses for up to 30 days. This might include hotel and meal expenses or kenneling for pets. Under some policies, this coverage only applies if a civil authority has forced you to evacuate your home.
Tree Removal: Unless covered elsewhere under the policy, we may pay the reasonable expenses you incur to remove trees fallen due to wind. Special coverage limits will apply.
Food Spoilage: If you have coverage for Contents, we may cover the cost of spoiled food and wine caused by power interruption. Special coverage limits and deductibles apply in most states.
Please review your policy for complete details of the coverage contained in your policy.
©2016 Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at www.chubb.com. Insurance provided by U.S. based Chubb underwriting companies. Coverage is subject to the language of the policies as actually issued. Chubb Personal Risk Services, P.O. Box 1600, Whitehouse Station, NJ 08889-1600.