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Insurance Policies for "Dummies"

ins.PNGAmber recently graduated from college, and, for the first time, could support herself financially. While she was vaguely aware about the importance of insurance during college-her enrollment required health insurance, after all - the process of shopping for the best policies - and learning what those policies provided, was unknown to her. She planned on simply buying the cheapest options and letting the rest take care of itself.

How To File A Fire Insurance Claim

Fire insurance claims can happen all too often. Partly, this is because of circumstance - for example, Thanksgiving Day is the number one day for fires in the home. Another reason is natural disasters. By late August of last year, 2012 had already claimed the title as the worst year for wildfires in the United States and many fires resulted from Superstorm Sandy in our own area. So what do you do if you find yourself needing to file a claim with your insurance company because of fire damage?

Growing number of insurance claims filed from Hurricane Sandy

The number of insurance claims filed in the wake of super-storm Sandy continues to grow. Federal Emergency Management Agency (FEMA) has reported a whopping 140,000 claims since the storm. However, a property owner's efforts to get a recovery can potentially become a catastrophe all its own. There are a number of hurdles for policyholders already. For example, if Sandy had been classified as a hurricane, a "hurricane deductible" would kick in. A hurricane deductible is popular in many insurance policies and requires the first percentage amount of the damage to be paid by the policyholder (i.e. For a 15% deductible of $100,000 of damage, the policyholder must pay the first $15,000 worth of damage before receiving compensation). Luckily, state officials in several states slyly termed Sandy as a "tropical storm" instead of a hurricane to avoid the deductible.

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