[jojo]

I had screen damage from Nicole and called the insurance company because I need to replace a large birdcage screen. Parts could be repaired but it was old and we were considering replacing it. I assumed the wind deductible on our policy would apply which is $1000. They said no the hurricane deductible applied which is 2% of home value. I said it was a tropical storm. They said it was a hurricane when it made landfall therefore hurricane deductible applied. Ugh! We have never made a claim for home insurance ever and I guess that continues.