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If you are one of the thousands who paid more than one hurricane deductible, the state of Florida is going to reimburse you. Florida's chief financial officer Tom Gallagher explained how and when resident will get paid, WESH NewsChannel 2 reported.

Your insurance company is supposed to send you a special form before Jan. 27. The form should be submitted by March 1. The most anyone can get is $10,000 per hurricane. Mobile homeowners and condo owners are eligible for the funds.

The sooner send in the form, the sooner you will get your money. Officials said the money should come in about 10 days.

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I'm not sure how I feel about this. I guess I'm somewhat biased since I didn't actually have any damage from the hurricanes since we were living in an apartment at the time. If you suffered damage, say to your roof, during Charlie and then a tree fell through your screened patio during Jeane, why shouldn't you have to pay 2 deductibles? It was 2 separate events that caused 2 separate types of damage.

If the damage was to the same area, but was exacerbated by another hurricane, I can agree with not paying multiple deductibles.

I understand not wanting to since we Floridians now pay a hurricane deductible of 2% of the home's value, but you know that when you get the insurance.

[ January 06, 2005, 03:07 PM: Message edited by: zgator ]
 

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Posted by Icarus (Member # 3162) on :
 
The scenario where damage from one hurricane was compounded by another is typical because the damage from the first was typically not fixed by the time the second storm hit, leaving the house more vulnerable. It's close to impossible to actually tell, though, when this is the case.
 

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Posted by zgator (Member # 3833) on :
 
Did you hear that Volusia County is claiming that the big sinkhole in Deltona was caused by the hurricanes so they can get FEMA to pay for the repairs? That one really burned me up. The excessive rains from the hurricanes likely caused the sinkhole to open sooner than it might have, but they didn't cause it.

If that happens, the homeowners who lost their houses will have to pay the hurricane deductible rather than their standard deductible.
 

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Posted by Icarus (Member # 3162) on :
 
Whoa.

That sucks.
 

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Posted by Amka (Member # 690) on :
 
I think it might be a case where the government is hoping to minimize damage to the economy by subsidizing repair costs to private citizens. Those deductibles could be harsh, and I could see where they might cause homeowners to lose their houses.
 

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