What to expect if filing a homeowner's claim
Check your deductible
If you have your policy in hand, check to make sure you're covered for hurricane damage, and what your hurricane deductible is. These amounts apply only to hurricane-related damage, and typically range from 1 percent to 5 percent of the insured value of the home.
Homeowners will have to cover any deductible before collecting on a claim. Often, in areas like New England where hurricanes are less common, deductibles can be high.