However, damage from hurricane strength winds is a different matter and can cause severe damage to property, even demolishing buildings.
Many states in hurricane prone areas have developed specific deductibles that apply in the event of a hurricane. Many endorsements use watches and warnings from the National Hurricane Center (NHC) or the National Weather Service (NWS) as the trigger for use of the deductibles. Both agencies are part of the National Oceanic and Atmospheric Administration (NOAA). Deductibles are often available as a dollar amount or a percentage. The insured selects the deductible that individual is comfortable with, and it is scheduled onto the endorsement.
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