Hey, so Hurricane Beryl has made its way through and left a lot of damage out there. With numerous trees down, fences damaged, and extensive damage to homes and vehicles, many are wondering about their Hurricane Beryl insurance claim options. I wanted to create a short video to talk about a few insurance claim scenarios that are probably top of mind right now and help you decide whether or not it makes sense to reach out to your insurance company to file a claim.

SCENARIO 2: Hurricane Beryl Insurance Claim – Will My Home Insurance Cover Neighbor’s Tree Damage?

Okay, so now that that’s established, would my home insurance policy payout? Well, I do have damage to other structures, which is something my home insurance policy would pay for. It would also pay for debris removal.

But now we’ve got to establish what’s my deductible. Well, my wind and hail deductible on my home insurance policy is $9,900, so I would need to have sustained damage to other structures and/or my home in the amount of at least $9,900 before it makes sense for me to even reach out to the insurance company.

Well, obviously, that’s minor damage. I do have a little bit of damage, though, to the other side of my fence, but overall, it is very, very minor. I don’t have any damage to my home, so I wouldn’t be reaching out to my home insurance policy to pay for the damage to the other structures.

Tips for Filing a Hurricane Beryl Insurance Claim

So there’s some scenarios for you. If you do feel like you need to file a claim, obviously reach out to your insurance company to file the claim. Pack as much patience as you can with the claims adjusters at this time because they’re going to all be overwhelmed regardless of who the insurance company is. If you have the ability ahead of time to reach out to the appropriate contractors to see if they can give you an estimate for repairs to make sure that those repairs are more than your deductible, I definitely suggest doing so.

But either way, hopefully this has answered some questions that you might have. Feel free to reach out, though, if you have any others, and I’d be happy to help out. Give us a call at (281) 528-5737 or visit Pinnacle Point Insurance.