So no one seems to know how Sandy was classified....

 

Might be something not important to most but if you have any damage to your home it can mean the difference between a standard damage deductible or a Huge Hurricane Deductible.

Frankenstorm.

I just got off the phone with the national hurricane center in Florida.. there answer is when the eye of sandy hit the shore on NJ at 8pm it was not a hurricane it was a tropical cyclone, Before it hit land it was a full blown hurricane.

 

His exactly words were we are not going to get in the middle of the insurance situation again... But he is sure Gov Christy will be fighting for NJ residents to classify it as a cyclone hence our insurance cannot rape us on the deductibles.

I believe I heard on TV and Radio that Sandy was a Hurricane while out at sea but was reclassified as a sub-tropical Cyclone, or something similar before landfall.

Homeowners received some good news this week when the state Department of Banking and Insurance determined that carriers could not force property owners to pay a special hurricane deductible on their policies.

“The National Weather Service downgraded Sandy to a post-tropical cyclone prior to making landfall,” spokesman Marshall McKnight said.

This hurricane clause costs policy-holders significantly higher deductibles on any claims they file after a hurricane, he said. Often the rate is based on a percentage of the insured value of the home, which can be significant, he said.

The agency on Wednesday advised property owners to:

"superstorm"

From a meteorolgical standpoint, it was a post-tropical cyclone long before it got near us. All that means is that the primary energy source stopped being water temperature, and started being temperature differential of the air between the storm and surrounding weather systems.

 

Last I saw in the papers was as quoted above. Not a hurricane despite meeting the metrics for it, so no hurricane deductible applies.