insured

They are still awaiting information from their trust attorney on whether the home was insured and are researching relief grants they may be eligible for.

Liability coverage is for losses that the insured person is legally responsible for, such as medical expenses incurred when you are at fault, said Janet Ruiz, director of strategic communication for the Insurance Information Institute.

Thankfully for Ms Deco, Maligne Lodge was insured, and she hopes to rebuild it before next summer.

Most of the damage in Helene and Milton was not insured, particularly from Helene, which made landfall in Florida in late September before flooding western North Carolina.

“The policyholder must read the policy. All of it. Every. Single. Page. If they don't understand something, talk with their agent or the company,” said Chantal M. Roberts, author, professor and an expert witness for insurance companies and the insured.