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Hurricane Deductible Guidelines of Connecticut

CT department of insurance has announced that it has updated its coastal underwriting guidelines to clarify when hurricane deductibles can be applied.

he hurricane deductible issue has been in the spotlight in wake of Tropical Storm Irene. Some policyholders in Connecticut saw hurricane deductibles being applied to their claims even though Irene was downgraded to the tropical storm status before causing damages in Connecticut. The hurricane deductible was applied because the downgrade was announced less than 24 hours before causing damages in the state.

The insurance department says that under the revised guidelines, the National Weather Service must declare a hurricane and record sustained hurricane force winds – 74 miles per hour or more – anywhere in the state in order for a hurricane deductible to be applied.

The newly revised guidelines can be found here.