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Historic Hurricane weather coming this season, is your New Jersey property protected?

Some weather experts are predicting that 2020 will be a historic year for hurricane season in New Jersey and elsewhere in the country. Storms have been increasing in number and intensity over the past several years, probably as a result of global warming, which has left ocean waters at higher temperatures than they have been for centuries. This makes it especially important that you take steps to protect your New Jersey home from the potential of hurricane damage, if any should capriciously track up the New England coastline. Here are some of the questions you might be asking, with this record hurricane season on the horizon.

How can I keep my New Jersey home protected during hurricane season?

Hurricane damage in New Jersey will generally occur from mid-August all the way through to the end of October, so you need protection from this especially vulnerable time of year. Homeowners’ insurance will protect you against wind and water damage (although flood damage is something separate), so if you should suffer hurricane damage, you can file a claim with your insurance carrier to be reimbursed for any damages.

What is the cost of hurricane coverage in New Jersey?

The average cost of homeowners’ insurance in New Jersey is around $1,900 per year, while the average cost of flood insurance is approximately $975 annually. Hurricane damage will certainly cost you much more than that, if you were obliged to pay for it out of pocket, so it’s a good precaution to take. Given the fact that weather forecasters are calling for a more active year than usual, this would be a good year to make sure you are covered against storm damage.

How much water damage coverage do I need?

There are actually 16 different cases where water damage is automatically covered by your homeowners’ insurance policy, those being such situations as burst pipes, leaking roof, toilet overflows, rain storm, etc. However, flood-related damage is specifically excluded from standard homeowners’ insurance, and you would need to purchase that separately. When you’re talking about hurricane damage which is due to flooding, a good rule of thumb is to purchase enough flood insurance to cover the value of your home, and the possessions you have inside.

How much wind damage coverage do I need?

In some cases, wind damage is excluded from your homeowners’ insurance policy, and if this is the case with your policy, you’ll need to purchase windstorm coverage. In the state of New Jersey, the average annual premium for wind damage is about $1,192, and this will cover whatever kind of hurricane damage your home might suffer from strong coastal winds.

Will my home really be protected against hurricane damage in New Jersey?

Hurricane damage in New Jersey is always a possibility during the fall of every year, and your home will be fully protected if you make sure you have wind coverage, flood damage, and homeowners’ insurance, to cover the cost of any valuables which may become damaged or destroyed altogether.

How can a Public Adjuster help me?

A public adjuster can streamline the process of filing a claim after you’ve suffered hurricane damage in New Jersey, and can represent you to your insurance carrier. The adjuster will ensure that your claim is maximized and their knowledge of insurance and claim-filing will be invaluable in getting your claim expedited and paid.

How can I be sure my home is protected against damage from hurricanes in New Jersey?

It’s a good idea to have Interstate Public Adjusters review your insurance policy, so as to determine positively what is covered and what isn’t. Then you can handle any gaps in coverage, so if you should suffer hurricane damage in New Jersey, you can be sure you’ll be reimbursed. Relying on the experience and knowledge of Interstate Public Adjusters can provide you with peace of mind, knowing that you’re prepared for even a record-breaking hurricane season.

Why use Interstate Public Adjusters for your insurance claim?

Interstate Public Adjusters offer our invaluable expertise and knowledge in handling wind, water and hurricane damage claims. Our adjusters’ years of experience can help guide you through the process of making a claim and ensuring you get the most money for your claim, whether this is your first claim or your first time working with Interstate Public Adjusters. Contact Interstate Public Adjusters today to find out how we can help you!

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