Hurricane Sandy has passed and left destruction for insurance claims to be filed.
Sandy is estimated to have caused $20 billion in damage as it tore through the east coast, but what does that mean to the average person filings a claim?
Most of the damage from Sandy is from flooding, its common that most policies will not cover flooding. Understand an insurance policy can be very difficult even for a seasoned insurance agent. For example flooding might be covered if its determined the cause of damage was first another covered peril.
Make sure to contact an independent insurance agency not a direct writer that can only sell you one companies insurnace product.
Is my property covered?