Also in this playlist...
This transcript is automatically generated
Is -- the worst nightmare your.
Winds ravaged by -- natural disaster leaving your home in ruins countless families in Oklahoma Staten Island in New Jersey reeling from those losses but our next guest says.
You can disaster proof your home now to prevent major damage is down the road so how do you do that joining me now Tom trailer nationally syndicated radio host.
And author up my home my money pit.
Because it's so true the but -- guy to every home improvement adventure Tom welcome back to ship -- -- so let's start with things you can do your house I mean what you know look you can't prevent everything right.
They -- but you can consider the disaster resistance of building materials when you do any improvement for example a roof.
You could use regular asphalt shingles or you could use wind resistant shingles they can stand up to a 130 mile per hour wind.
We're choosing -- front door either choose a wooden -- easily pierced by flying debris -- -- -- -- -- -- -- -- they're beautiful they're -- and they can take a banging.
They can take that kind of abuse.
And not fall apart -- the garage door because that's often a big problem area for people particularly in in big windstorm -- true and especially true if it's one of those in her garage -- to trick of the trade.
Just insert two by fours behind the door across the back of it to stiffen it up.
Just for the hurricane and then take it down when you're done -- also like impact resistant windows I do because they they will fight break but they won't shatter -- -- like automobile glass.
Another trick of the trade is to look to the Miami Dade building code -- the middle of the material was approved by Miami Dade it's going to be very very resist.
Because they have to be that would have -- didn't they get all -- hands absolutely true.
You know I think a lot of people are concerned and worried about their insurance courage and they don't know the difference between say flood insurance and a regular old homeowner's policy -- -- -- Yeah and the difference really had a lot to do with floods now homeowners insurance covers flows that are sudden and incidental.
What would that -- -- a broken pipe but they're not gonna cover a flood from -- rising tide or storm like sandy.
Where -- got you have to have.
Flood insurance -- the National Flood Insurance Program it's sold by regular agent correct the problem of course is that you often can't get enough to cover your entire household and its contents.
A lot of people out there buying extending extended policies through private insurers.
Yeah that's right it's really important to know what the cost to rebuild your house.
You will be so it's -- he should really an idea that -- -- sign up for the insurance.
You say there are tricks that the insurance -- -- used to low ball you want what they're gonna pay what they dale.
Well there are tricks for example with hurricane sandy what we saw was incorrect classification so for example.
Insurance companies determine hurricane technically when it hit shore it was a super -- -- it's very important know the difference because hurricane deductibles are bigger.
And the other thing that what happens we'll try to re classify you I -- of one homeowner for example who was reclassified they're -- check in the mail for couple hundred dollars.
But it said premium adjustment when -- -- -- -- page did -- basement of the coverage why they do that because basement coverage is not as thorough as first and second floor covers they were trying to reclassify him.
It was situationally where I -- Sure you actually can fight back and you wanna do -- very strategically first of all get them to identify the reason you've -- tonight in writing.
Then you want to try to work it up the -- the insurance company.
And a good thing to do was to file a complaint with the state insurance commission because they have to respond to that an investigator general be -- your case.
Wow okay well as insurance commissioners they're different all over the country as part of the problem some of them are very active and some of them are not at all.
Depends on where you -- but -- great advice and thanks for coming in great -- -- him.
Filter by section