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Are you sure about that? I am in Louisiana, and when I had tropical storm damage last year (mid five figures) because it was caused by wind (tree fall) the deductible was only $500.
The "special" deductible on my policy is for flood insurance, and it is much higher if I am ever a victim of rising water, but as the water that got in my house came through the huge holes in the ceiling, the higher deductible did not apply.
I hope some of these folks with tree fall/wind damage can double-check their paperwork and not get slammed with an extra expense. They need to be careful that their adjuster understands exactly what happened and is not just making assumptions. If possible, take photographs of the tree on the house or other wind damage. We created an entire CD of digital pictures of our accident. The general contractor said it was very helpful in refreshing the adjuster's memory and making sure that we got approved for all the necessary repairs. When the adjuster had forgotten that we had a certain kind of damage, the contractor could just pull up the picture on the CD.
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