what is your deductible for windstorm and hail under your home owners insurance? Mine is 5%, which means, worse case scenario (storm blows my roof off and rains in my house or blows the whole house down) I could be paying around $22,500 out of pocket for contents and structure. I think this might be too much but was just wondering what everyone else had.

How can I negotiate a better price on my home owners Insurance? How can I negotiate a better price on my home owners Insurance? They rasied my premium about $70, and I lost one months coverage because the agent listed the policy a month early, so now now the premium is now due earlier also. And I haven't even paid the premium until a month later. Anyways I keep getting the run around, they can lower it but they need $1000 deductible. I do not want the Auto tied into this, its under a different name. This raised the dwelling and personal property which is 70% of the value. I'm sure the real value went down this year.

Is the insurance deductible reimbursed to the home owner once the state is declared a "National Disaster Area"? I work in Kentucky as a Builder/Re-modeler and have many homeowners say that their deductible is covered/paid because the state is declared a "National Disaster" I do not have time to research this because of extra work. What I would like to know...Is the deductible really covered by a "Natural Disaster"?

North Carolina Insurance Deductible Law? Has anyone ever heard of a law in NC that states I would have to pay a deductible on a claim? I have a special policy through my home owners insurance that is supposed to cover the repair or replacement of my personal computers up to $3000 with "no" deductible. Now, I'm trying to file a claim with my insurance company after paying for this policy for over a year, and all of a sudden they are telling me I would have to pay a $500 deductible for each repair because of NC law.

What should I do about the quote i got from our home owners insurance? We had water damage back in January that is covered under our home owners policy. The problem is I'm into my 2nd month of this and nothing is close to being done. My floors have buckled and could fall in at any time. One bathroom is completely ruined. Monday I received a letter from the insurance company. They estimated damages at $3900. I have to pay my $1000 deductible and they will only give me $1300 up front. They said if I can get a general contractor to do all the work they listed for that amount they will give my back $900 more after the job is done. So I have to put out $2600 of my money to fix this. Well I talked to several contractors, one told me "if they could get someone to to all the work for their quote, tell them to send them to your house" then he laughed about it! The insurance company also gave us $1.48 for labor per sq foot. I have been told that the going rate in my area is $4 a sq foot. What should I do! Im about to just have the county condemn the place and move out! Yes its that bad! another thing the insurance company just cancelled our policy after the sent out the cash value payment (I have not cashed it).