Keith Hayman, Adjusters International, is a licensed public adjuster. He has over 10 years experience in property insurance claims.
...policy language excludes coverage for damage to overhead power lines. When the power goes out, deductibles may vary from four hours up to 72 hours of service interruption before coverage kicks in. Review your coverage to assess whether you are adequately insured in case of a service interruption.
There has been a spike in the number and severity of hurricanes in recent years. In the aftermath of these storms, there have been too many occasions where businesses were not adequately covered due to the complexities of the loss and inadequacy of coverage.
Understanding your full exposure and minimizing your risks can help you financially survive the next major hurricane that comes your way.
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Ronald A. Cuccaro, SPPA
Sheila E. Salvatore
ADJUSTING TODAY is published as a public service by Adjusters International, Inc. It is provided for general information and is not intended to replace professional insurance, legal and/or financial advice for specific cases.
AT05-4R (2010) 3027
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