Most standard homeowners insurance policies cover water damage caused by a sudden and accidental burst pipe, including those that froze and ruptured due to cold weather.

Hurricane deductibles are typically 1, 2, 5 or 10 percent of the amount of insurance covering the dwelling at the time of loss. More than often times a policy holder does not realize this until its time to make an insurance claim or until a public insurance adjuster reads their policy and explains their deductible percentages.

Sometimes smoke has caused additional structural damage and the problem may remain latent for some time. A public adjuster can help recognize and document such damage.

When an insurance appraisal clause is invoked, each party chooses an appraiser. The appraisers then meet to discuss their findings and select an umpire to make a final decision if they can't agree.