"Gene Kearns" wrote in message
...
On Fri, 3 Aug 2007 10:53:42 -0400, D.Duck penned the following well
considered thoughts to the readers of rec.boats:

My point is that some where in the state of Florida hurricane warnings
have
to be "posted" by NOAA. Just a named hurricane some where in the area
does
not trigger the "hurricane deductible" in my policy. The hurricane
provisions of the policy remain in affect for 72 hours after the
warning(s)
are lifted.

Where is this posted? Perhaps this declaration affects some of the
other posters....

I know my homeowners insurance is "locked" to any changes once a storm
crosses a certain latitude, but I've never considered that there was
any period of special clause exposure after the event (not sure how
they tell 72 hours from ??).

--

Grady-White Gulfstream, out of Oak Island, NC.

Homepage
http://pamandgene.idleplay.net/

Rec.boats at Lee Yeaton's Bayguide
http://www.thebayguide.com/rec.boats


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The following link shows the hurricane and windstorm deductible particulars
for several Atlantic states.

For Florida the 72 hour period ends after the watch/warning is lifted.


http://www.iii.org/media/hottopics/i...icanwindstorm/


FLORIDA HURRICANE DEDUCTIBLES

Hurricane deductibles are percentage or dollar deductibles that are higher
than for other causes of loss. They are calculated as a percentage of the
dollar amount of coverage on the dwelling or as a flat dollar amount. By
Florida statute, the application of hurricane deductibles is triggered by
windstorm losses resulting from "a storm system that has been declared to be
a hurricane by the National Hurricane Center of the National Weather
Service." They take effect "at the time a hurricane watch or warning is
issued for any part of Florida" and remain in effect "for the time period
during which the hurricane conditions exist anywhere in Florida," ending 72
hours following the termination of the last hurricane watch or warning. Wind
damage from storm systems other than declared hurricanes is not subject to
the hurricane deductible but to the general deductible. Hurricane
deductibles-as shown in the chart below-and their triggers are set by law
and are the same for the private, or regular market, as well as Florida's
Citizens Property Insurance Corporation, the state-run program which
provides homeowners insurance to consumers. Homeowners pay the deductible
only once during a hurricane season.