Pennsylvania Hurricane Insurance Laws – What you need to know:

Pennsylvania insurers may also charge special hurricane deductibles to its policyholders, but Governor Tom Corbett, announced on November 1, 2012, that hurricane deductibles would not apply to damage caused by Hurricane Sandy. As for flooding, most homeowner’s or renter’s policies do not cover damages resulting from a flood. Also, there is a 30-day waiting period for flood insurance policies to become effective.
According to the Federal Emergency Management Agency (FEMA), there are limits to the National Flood Insurance Program (NFIP). Homeowners can insure their home for up to $250,000 and its contents for up to $100,000. Renters can cover their belongings for up to $100,000. Nonresidential property owners can insure a building and its contents for up to $500,000 each. The average homeowners flood insurance premium is a little more than $500 a year.
“Pennsylvania Hurricane Insurance Laws”
If you had property damaged by Hurricane Sandy, here are some tips:
• Read your policy
• File your claim as soon as possible
• Record and document the condition of your property and costs incurred
• Settle the claim if you receive a fair offer
• If your claim is denied, contact the Pennsylvania Insurance Department, or, you may consider hiring an attorney

Contact our Michigan Inurance Claims Attorney for a free case evaluation or visit us at for additional information. Our Detroit Michigan attorneys specialize in insurance laws and are here to assist you in every way they can.

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