Homeowner's insurance: Checklist to ensure adequate storm coverage
Photo credit: Newsday / John Paraskevas | Bruce Segal and his daughters Sophia, 7, left,and and Julia, 11, in front of their Huntington home, which was severely damaged when a large tree crashed through the roof and into the girls' second-floor bedroom during Sandy. (Dec. 3, 2012)
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Quick, answer this about your homeowner's policy: Does it cover replacement cost? Do you have "extended limits"? What's the exact dollar amount of your hurricane deductible, and what category storm triggers it? Regarding flood insurance: What's your home's likelihood of flooding, according to the National Flood Insurance Program's floodplain maps?
If you can't answer these questions, you have...
