Homeowners begin filing storm insurance claims

Hurricane Irene caused widespread damage on Long Island, leaving impacted residents with the sometimes challenging task of filing insurance claims.

Many homeowners admit they aren't sure what their policies cover and were unaware that insurance companies now have separate, higher deductibles for hurricane damage.

At Haller-Zaremba Insurance Brokers, representatives say they're already handling a lot of phone calls from confused policy holders.

Residents should be aware that when Irene made landfall locally, winds were 64 mph, categorizing it as a tropical storm. That's significant because different insurance companies also set different categories at which the deductible kicks in.

Brokers also say that if residents are dealing with flooded basements from the storm, the damage won't be covered unless the homeowner has flood insurance.

Irene batters Northeast with high winds, heavy rainParts of Suffolk evacuated; residents settle in at shelters

MyPics: Hurricane Irene on Long Island

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