Over the last few years, hurricanes have impacted many areas along the American coasts. New Jersey is no stranger to the potential dangers. In fact, Hurricane Sandy alone cost New Jersey business about 8.3 billion dollars in damages. As many homeowners have found, homes and buildings often present little resistance when confronted by the immense power of these tropical storms. Unfortunately, many homeowners find out after the storms that their insurance does not cover as much as they thought it did.