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HURRICANE DEDUCTIBLE What You Need to Know NAM Insurance Group Customer Service 1-800-232-6600 www.NJM.com SAVE THIS BOOKLET contains only general information and is not a legal document. F-116C RECYCLABLE

How to fill out hurricane deductible guide

How to Fill Out Hurricane Deductible Guide:

1. Review your insurance policy: Start by reading your insurance policy carefully and understanding the terms and conditions related to hurricane deductibles. Pay close attention to the specific requirements and guidelines provided by your insurance provider.
2. Assess your property: Evaluate the potential risks and vulnerabilities of your property to hurricanes. Take note of any existing damage or weak areas that may require attention. This will help you determine the appropriate deductible amount for your insurance coverage.
3. Contact your insurance agent: Reach out to your insurance agent or representative to discuss any questions or concerns you may have regarding hurricane deductibles. They can provide valuable guidance and advice specific to your policy and location.
4. Understand the deductible calculation: Familiarize yourself with how the deductible is calculated by your insurance company. Typically, hurricane deductibles are calculated as percentages based on the insured value of your property, rather than fixed dollar amounts.
5. Document and photograph your property: Take detailed photographs and inventory of your property, including possessions and valuable belongings. These records will be crucial in the event of a hurricane-related claim, ensuring that you have proper documentation to support your insurance claim.
6. Prepare for the hurricane season: Take necessary precautions to safeguard your property against hurricanes. This may include installing storm shutters, reinforcing doors and windows, and trimming trees that pose a threat to your home. Proper preparation can help minimize potential damage and decrease the likelihood of filing a claim.

Who Needs Hurricane Deductible Guide:

1. Homeowners: Anyone who owns a home in areas prone to hurricanes should have a hurricane deductible guide. This includes coastal regions, areas near large bodies of water, and regions that frequently experience tropical storms.
2. Renters: Even if you are renting a property, it is essential to understand the hurricane deductible guidelines outlined in your renter's insurance policy. This knowledge can help you make informed decisions and take appropriate measures to protect your belongings.
3. Business owners: Business owners who operate in hurricane-prone areas should also have a hurricane deductible guide. This will ensure they can effectively navigate the deductibles outlined in their commercial insurance policies and protect their businesses from potential financial losses.

In conclusion, understanding how to fill out a hurricane deductible guide involves reviewing your insurance policy, assessing your property, contacting your insurance agent, understanding the deductible calculation, documenting your property, and preparing for the hurricane season. This guide is essential for homeowners, renters, and business owners operating in hurricane-prone areas.

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What is hurricane deductible guide?

The hurricane deductible guide is a document that provides information about how insurance policies handle deductibles specifically for hurricane-related damages.

Who is required to file hurricane deductible guide?

Insurance companies are required to provide and file the hurricane deductible guide for their policyholders.

How to fill out hurricane deductible guide?

The hurricane deductible guide is typically filled out by the insurance company and provided to the policyholders. Policyholders are responsible for reviewing the guide and understanding how their deductibles work in the event of a hurricane.

What is the purpose of hurricane deductible guide?

The purpose of the hurricane deductible guide is to inform policyholders about the specific deductibles that apply to hurricane-related damages, ensuring they understand their financial obligations in case of a hurricane.

What information must be reported on hurricane deductible guide?

The hurricane deductible guide must include details about the specific deductible amounts, when they apply, any exceptions or limitations, and how they are calculated or applied.