Perhaps not. If you live near the shore and your agent or insurance company buried this essential exclusion in fine text and didn’t inform you about it before the hurricane, you have a strong case that it is an “unenforceable exclusion.” If your arguments fall on deaf ears, you should seek a lawyer right away.

Some insurance firms have a reputation for being more fair and timely in resolving claims than others, but it’s difficult to anticipate what will happen in this rare circumstance. Working with neighbors, following UP’s claim suggestions, and using the documents in your three-ring binder can significantly boost your chances of receiving fair treatment.

If you want to rebuild/repair and stay in the region and are prepared to live in a trailer, negotiate with your insurer to “cash-out” your ALE(Additional Living Expenses) policy limitations so you may buy a trailer or motor home with the money instead of paying rent.