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Will My Insurance Cover Hurricane Damage?

First an earthquake. Now, a hurricane. For homeowners on the East Coast, it’s shaping up to be a scary week, meteorologically speaking. Hurricane Irene looks like it will be far worse than the Virginia earthquake, and with greater damage comes greater potential insurance headaches. Much of the damage typically caused by hurricanes isn’t covered by traditional homeowners’ insurance policies.

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From broken windows to serious flooding, here is what homeowners can reasonably expect from standard insurance policies:

Floods

Floods — defined by insurers as any water that rises from the ground, including tidal waves, as well as destruction from rapid snow melts — aren’t covered by traditional policies. To get reimbursed for water damage, homeowners would need additional flood insurance, which is provided by the federal government but can be purchased through an agent or insurance company. The average flood premium is about $600 annually, but rates go up to nearly $6,000 for the highest-risk coastal properties, according to the National Flood Insurance Program.

Homeowners who live in flood zones probably have this already: Many lenders won’t provide these home buyers with a mortgage unless they’ve signed up for flood coverage. These homeowners can rest (relatively) easy; if their home floods, flood insurance will pay for that damage.

But even homes outside these zones could be at risk of flooding, says a spokesman for the Insurance Information Institute. Without coverage, homeowners could end up paying thousands of dollars to clean up the damage. If you’ve reached for the phone to call your insurance agent, put it back down: It generally takes 30 days for a new policy to kick in. Separately, renters can also sign up to protect their belongings from flood damage; premiums cost at least $50 a year.

Wind

Basic homeowners policies do, however, typically pay for damage caused by winds — including broken windows, torn roofs and any interior damage from water falling into the home.  Likewise, if strong winds blow tree limbs or entire trees onto a home, garage or shed. (If a tree falls onto a car, many comprehensive auto policies will cover the damage.)

But in many states on the East Coast, homeowners will have to pay a hefty deductible before homeowners’ insurance policies kick in — often 1% to 5% of the total amount the home is insured for — according to the Insurance Information Institute spokesman.

Serious Damage

If a home becomes so damaged that it’s uninhabitable, most standard homeowner policies will pay for a family’s living expenses — including lodging and food — while the house is being repaired, says the Insurance Information Institute spokesman. (Read more on filing an insurance claim.)

Buying a Home as the Hurricane Hits

For home buyers who are just now preparing to complete the sale, the possibility of a hurricane wreaking havoc on their new home raises a big question: Who’s on the hook for the damage? If it occurs before the closing is conducted, the seller and his insurance policy has to cover the damages, according to the Insurance Information Institute. On the other hand, buyers who complete the sale before the hurricane hits are responsible. But in most cases, at the very least their basic home insurance policy should kick in.

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      No sound after internet loss
      IRC Chat Search Calendar Hello There, Guest! Login Register Welcome, guest!If this is your first visit, be sure to register to be able to post and partake on the forum. Registration is free, simple and fast. If you are already a member be sure to login. Pinguy OS Forum›Support›Help $ Support›HardwareNo sound after internet loss
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      User(s) browsing this thread: 1 Guest(s) Pages (2): 12Next » Thread Rating: 0 Votes – 0 Average 1 2 3 4 5 Threaded Mode | Linear Mode No sound after internet loss Share| Translate bettergenius ViewProfile SendPM ViewThreads SendEmail ViewPosts 20+ Posts Points: 18,037.36 exp. Joined: Aug 2011Location: Chardstock Likes Given: 1Likes Received: 8 in 8 postsReputation: 0 – (Rate) ▲ Post: #1 ▼ No sound after internet loss Hello there againI lost my internet yesterday and i thought all was well but then i went to play a film on my pin guy os 11.04 and i had no sound so i thought thats strange and restart the pc and sure enough i still don’t have any sound.the only thing i have done is to plug my ipad in and thats it. I didn’t install any software or do any updates and the sound went.P.s. I am using the onboard sound for my shuttle if that helpsP.p.s. I have also lost my sound icon at the top right and also in the menus so i have no sound icons at all but i did have sound before.hope you can help me 12-10-2011 01:29 AM LinuxRocks ViewProfile SendPM ViewThreads SendEmail ViewPosts Moderator Points: 39,446.05 exp. Joined: Nov 2010Location: Likes Given: 160Likes Received: 309 in 308 postsReputation: 22 – (Rate) ▲ Post: #2 ▼ RE: No sound after internet loss Hi bettergenius,To get the icon back,How to add to panel:-forum.pinguyos.com/Thread-Pinguy-…90#pid7990Then select Indicator Applet, and move it to where is was before.You may need to untick “Lock To Panel” and “Move” things around. Simply Put, Pinguy Rocks!! 12-10-2011 01:53 AM bettergenius ViewProfile SendPM ViewThreads SendEmail ViewPosts 20+ Posts Points: 18,037.36 exp. Joined: Aug 2011Location: Chardstock Likes Given: 1Likes Received: 8 in 8 postsReputation: 0 – (Rate) ▲ Post: #3 ▼ RE: No sound after internet loss (12-10-2011 01:53 AM)LinuxRocks Wrote: Hi bettergenius,To get the icon back,How to add to panel:-forum.pinguyos.com/Thread-Pinguy-…90#pid7990Then select Indicator Applet, and move it to where is was before.You may need to untick “Lock To Panel” and “Move” things around.Thank you LinuxRocks Ive now got the indicator back but when i click on the speaker icon and click on sound preferences it takes me to control centre and thee is no sound in there and sadly I still don’t have any sound 12-10-2011 02:09 AM LinuxRocks ViewProfile SendPM ViewThreads SendEmail ViewPosts Moderator Points: 39,446.05 exp. Joined: Nov 2010Location: Likes Given: 160Likes Received: 309 in 308 postsReputation: 22 – (Rate) ▲ Post: #4 ▼ RE: No sound after internet loss Hi bettergenius,Please post the output of these commands:-Go to the terminal type these in, one at a time.aplay -lcat /proc/asound/card0/codec#* | grep Codeclspci | grep Audio Simply Put, Pinguy Rocks!! 12-10-2011 02:48 AM bettergenius ViewProfile SendPM ViewThreads SendEmail ViewPosts 20+ Posts Points: 18,037.36 exp. Joined: Aug 2011Location: Chardstock Likes Given: 1Likes Received: 8 in 8 postsReputation: 0 – (Rate) ▲ Post: #5 ▼ RE: No sound after internet loss Here is the things you wanted me to post.aplay-1Code: [Select All]**** List of PLAYBACK Hardware Devices ****card 0: V8237 [VIA 8237], device 0: VIA 8237 [VIA 8237] Subdevices: 4/4 Subdevice #0: subdevice #0 Subdevice #1: subdevice #1 Subdevice #2: subdevice #2 Subdevice #3: subdevice #3card 0: V8237 [VIA 8237], device 1: VIA 8237 [VIA 8237] Subdevices: 1/1 Subdevice #0: subdevice #0card 1: NVidia [HDA NVidia], device 3: HDMI 0 [HDMI 0] Subdevices: 0/1 Subdevice #0: subdevice #0card 1: NVidia [HDA NVidia], device 7: HDMI 0 [HDMI 0] Subdevices: 1/1 Subdevice #0: subdevice #0card 1: NVidia [HDA NVidia], device 8: HDMI 0 [HDMI 0] Subdevices: 1/1 Subdevice #0: subdevice #0card 1: NVidia [HDA NVidia], device 9: HDMI 0 [HDMI 0] Subdevices: 1/1 Subdevice #0: subdevice #0cat /proc/asound/card0/codec#* | grep CodecCode: [Select All]cat: /proc/asound/card0/codec#*: No such file or directorylspci | grep AudioCode: [Select All]00:11.5 Multimedia audio controller: VIA Technologies, Inc. VT8233/A/8235/8237 AC97 Audio Controller (rev 60)02:00.1 Audio device: nVidia Corporation High Definition Audio Controller (rev a1) (This post was last modified: 12-10-2011 06:40 PM by yugnip.) 12-10-2011 04:06 PM bettergenius ViewProfile SendPM ViewThreads SendEmail ViewPosts 20+ Posts Points: 18,037.36 exp. Joined: Aug 2011Location: Chardstock Likes Given: 1Likes Received: 8 in 8 postsReputation: 0 – (Rate) ▲ Post: #6 ▼ RE: No sound after internet loss Also just thought you better know that I loaded Pinguy OS 11.04 through a live cd and after after unmuteing the sound, the sound works perfectly ok so there’s no issue with the sound card (which I thought there might be).Thought i better tell you this just in case 14-10-2011 01:07 PM bettergenius ViewProfile SendPM ViewThreads SendEmail ViewPosts 20+ Posts Points: 18,037.36 exp. Joined: Aug 2011Location: Chardstock Likes Given: 1Likes Received: 8 in 8 postsReputation: 0 – (Rate) ▲ Post: #7 ▼ RE: No sound after internet loss Should I just wipe the system and put Pinguy OS 11.04 which is what it has got already but start from scratch as it were?Also just so you know that i have put this up on the multimedia forum on here just thought you might like to know (This post was last modified: 20-10-2011 12:43 AM by bettergenius.) 20-10-2011 12:29 AM « Next Oldest | Next Newest » Pages (2): 12Next » View a Printable Version Send this Thread to a Friend Subscribe to this thread
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