Read it before you need it
A property insurance policy is a legal contract full of terms that quietly control your payout: coverage limits, sub-limits, exclusions, and — increasingly important — separate hurricane and wind deductibles.
Coverage basics
- Dwelling (Coverage A) — the structure itself
- Other structures (B) — fences, sheds, docks
- Personal property (C) — your belongings
- Loss of use (D) — living expenses while displaced
Deductibles that surprise people
Many coastal policies carry a percentage hurricane deductible — often 2% to 5% of the dwelling limit — which can mean tens of thousands out of pocket before coverage even begins. Know yours before a storm season, not after.
Not sure what your policy really covers? Cordo Claims Group will review it with you. Call (877) 552-6736.
Have a claim to discuss?
Get a free, no-obligation evaluation from a licensed public adjuster.