FAQs

If I file a hurricane claim, will my rates be raised? Will you cancel my policy?

A hurricane is an “catastrophe event.” Your rates will not increase and your policy will not be cancelled because you filed a hurricane claim.


What is a hurricane deductible?

Some policies include a Hurricane Deductible, which is usually calculated as a percentage of the policy’s Coverage A. The Hurricane Deductibles is the amount paid by a policyholder before the insurance company will pay anything on a covered claim. Depending on your state and your policy, other deductibles may apply to your hurricane loss.


If I make temporary repairs to my home, will I get reimbursed?

In the event that covered property is damaged by an applicable Peril Insured Against, we will pay the reasonable cost incurred by you for necessary measures taken solely to protect against further damage. Do not wait until a claims adjuster arrives to make temporary repairs that will prevent further damage. Be sure to save all of your receipts from purchases related to your repairs.


I lost food when my power went out; is this covered?

There is limited coverage for food stored in freezers or refrigerators on the “residence Premises” on most policies.


I have debris on my property; will you pay to remove it?

It depends. There is coverage available for debris removal of covered property resulting from a covered cause of loss, subject to the terms and conditions of your policy.


My home has been damaged and is unlivable, will you pay for the additional incurred expenses?

If you return home and find your home unlivable due to damage that’s covered by your policy, then additional living expenses are covered in accordance with the terms and conditions of your policy. This coverage is subject to your Hurricane Deductible or other applicable deductible.


Will you pay for expenses if there was a mandatory evacuation?

Expenses incurred for a mandatory evacuation due to a storm are not covered.


I have damage to my contents; how do I submit this?

Please complete and return the Schedule of Contents form that can be submitted to catreports@flhi.com.


How long does it take for the claim to be paid?

The length of time to pay a claim varies on the amount of damage and the number of losses associated with the disaster event. Frontline Insurance’s goal is to process hurricane claims timely, accurately and efficiently with the focus on customer service.

 

 

Please remember that the information contained in this Email is general in nature and that coverage under any specific policy of insurance will depend upon the terms and conditions of that policy. This is not a summary of coverage under any Frontline Insurance policy or any other policy of insurance.