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How to deal with your insurance company if a hurricane damages your home

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The U.S. suffered 20 separate billion-dollar weather and climate disasters in 2021, with a total cost of $145 billion, according to the National Oceanic and Atmospheric Administration.

Check your hurricane deductible

"Someone sent me a policy to review and he was going to go with 10% — I told him, 'Don't do that, because unfortunately we get hurricanes all the time'," he said. Once a year, homeowners should walk around their property and take photos to document their home's condition, Perri recommended. Taking this step will help you after a storm because you'll be able to demonstrate to your insurer that the damage was actually caused by the hurricane.

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