The East Coast has an interesting distinction of being affected by both tropical storms and hurricanes from the south and nor’easters from the north. The Midatlantic region is often subject to both! High winds, flooding, and storm surge all combine to present a unique challenge for homeowners who happen to be in Mother Nature’s way.
That’s why having the right insurance policy is so important. Coastal exposure extends inland for up to 90 miles in some areas because of the bays, sounds, and rivers. It is a constantly changing market with insurers adjusting rates and deductibles every year. Many coastal policies have unique deductibles or coverage exclusions that apply for wind, hail, and named storms.