Why do people board up houses before hurricanes?

  • by Al
  • Sep 25,2018
  • 10 answers

Why do people board up houses before hurricanes?


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Insurance Answers (10)

A Hunch 3 months ago

When you have any kind of insurance you are required to mitigate damages. If you don't, the insurance is not responsible for paying the claim.

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NA 3 months ago

Too many claims and you won't have any insurance. Plus I *like* my stuff. If the boards can prevent the windows from breaking and allowing rain in, I might still own some of my stuff after the storm.

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? 3 months ago

The stress and grief of tidying up broken windows plus protecting my stuff while the insurance pay out would be my guess.
They are going to have to be boarded up when the damage is done so you may as well prevent that from happening and save yourself the hassle. And of course the increased insurance premiums next year if you do claim.

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Steve D 3 months ago

First, you have a deductible. Second, there is the inconvenience of having to justify the damages you claim (do you keep all your receipts, do you have pictures of your internal possessions, do you have formal appraisals for any valuable items in your home) 0 insurance companies do not just take your word. Third, can you afford to pay ever increasing premiums for your house insurance? Fifth, can you afford to be without insurance (which will happen afrter too many claims) - and if you thin you can just switch to another insurance company and sdtart all over, think again - there is actually a database that collects ALL claim information so the next insurance company can look up your claim history and just start you off at a very high premium. Sixth, the insurance companies do not reimburse you 100% - you are not getting a brand new TV if your 5 year old TV gets damaged - you get market value and then you make up the difference.

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Casey Y 3 months ago

Good luck with this philosophy in the long run. Put in some nuisance claims and see what happens to your premiums.
Insurance is for large economic loss and its a bet. If you want to distort that by making claims every year, the insurance companies (casinos) will simply stop taking your bets...

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Jay 3 months ago

Because it will take a few months for the insurance to get to you and... your home will become more damaged while you wait....and they will only pay for the storm damage...
And if you have anything that is sentimental or irreplaceable...like photos of keepsakes...the insurance cannot replace those.
But go ahead...leave your home open to the elements. Tell us what happens with the insurance companies.

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Cupcake's Princess 3 months ago

You have a responsibility to mitigate damages. If you don't do what's reasonably possible to lower the damages, the insurance company is not on the hook for anything you could have prevented. So, no, they won't pay for all the damage.

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ricky 3 months ago

So help me with the math. The hurricane causes $4,000. You have $1,000 deductible at best. And the result is that your house is back to the way it was, and your out the deductible? As opposed to $150 worth of wood and 1 hour of your time. You must be a democrat.

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exactduke 3 months ago

So rather than boarding your place up, and preventing or mitigating damage, you'd rather have a few feet of water in your home?? LOL - good thinking.

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Mamawisdom 3 months ago

A couple of reasons:
1. They don't want water pouring into their home and flooding it -- ruining everything.
2. Most home insurance policies do not cover property damage due to "acts of God" that include hurricanes and flooding. Don't believe me? Just google it.

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