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In Sandy's wake: Tips on homeowner's insurance

Superstorm Sandy has left this boat entangled in

Photo credit: Sender Schwartz | Superstorm Sandy has left this boat entangled in a tree in Woodsburgh, one of Nassau's South Shore communities. (Oct. 30, 2012)

Some homeowners who haven't read their insurance policies closely might be in for an unpleasant surprise when they file claims for damage from Sandy.

Since the 1990s, most homeowner policies have included hurricane deductibles typically equal to 2 to 5 percent of an insured home's coverage, said broker Thomas Crowley of Maran Corporate Risk Associates in Southampton. That's in addition to...

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