Understanding your homeowners insurance policy is critical after you’ve suffered a loss to your Miami home.
Let’s discuss what you need to generally know about the areas covered:
The policy pays to rebuild or repair your house in case it’s destroyed by the calamities stated in your policy: hurricane, fire, lightning, water loss and so on. It doesn’t, however, cover for other perils, such as floods.
It may cover for other structures like the garage, depending on your policy.
This covers against lawsuits for injuries or property damage caused to other people by you, your family or your pets.
This covers for your personal items like clothes, furniture, electronics and so on against damage caused by fire, hurricanes, lightning and other disasters as stated in your policy.
Covers for extra costs spent by you and your family while living away from your home during the process of reconstruction.
Remember that you can always adjust your protection by increasing your coverage to pay for non-covered items, such as floods.
Read and understand your insurance policy to make sure it covers everything that’s likely to cause loss.
You may seek assistance from your insurance broker for additional coverage like flood, umbrellas, etc.
You should insure your home for the total cost of rebuilding in case of destruction.
In order to help pay the lowest premiums for insurance, you can decide to install security systems in your home, increase your deductibles, ensure you have a good credit record standing and also make regular checks to your policy for any changes that may lower the premiums.
File an insurance claim immediately after suffering damage to your Florida home from a fire, pipe burst, hurricane, etc as stated in your policy.
Make sure you provide all relevant, requested documents and photos of the destruction. Keep copies of everything you submit.
Most importantly, we encourage you to get help in terms of dealing with your insurance company.
Consider the position you find yourself in after a fire or water damage loss: you’re emotionally drained seeing your home partially or completely destroyed.
Plus, how much do you know about the insurance claims process? How much does your insurer and the adjuster they assign to your case know about it? Exactly! You’re at a complete disadvantage.
Know that the job of the independent adjuster assigned by your insurer is to mitigate your claim payout as much as possible.
That’s why we encourage you to contact us. As your Florida public adjuster we’ll work on your behalf to ensure that your claim is estimated properly and that you receive the fairest settlement possible.
Call us today or fill in the form below. We’ll arrange a free consultation to go over your damage, estimate and claim. We’ll answer all your questions. We’ll show you our references. We’ll make sure you get exactly what you deserve from a legal standpoint.
Off: 855-777-CLAIMS (2524)
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Public Adjuster > Homeowners Insurance Policy