Four common insurance claim mistakes to avoid after a hurricane. One, not hiring a professional to evaluate your property damage. This is important since some damages are not obvious to the untrained eye. Two, not reporting the damage immediately. This is important since some homeowners will try to fix the damage, but realize the damages … Continue reading “Common Insurance Claim Mistakes to Avoid”
Tips for Hiring a Reputable Contractor for Hurricane Repairs
Three tips for hiring a reputable contractor for your hurricane repairs. One, make sure that they are licensed and insured. Check the DBPR website to verify that the license is active and there are no complaints, and ask for a copy of their policy declaration so that you can call their insurance company to verify … Continue reading “Tips for Hiring a Reputable Contractor for Hurricane Repairs”
What to Expect After a Hurricane
Two things you must know to understand the claim process after a hurricane. One, after a hurricane, all insurance companies will be overwhelmed with a high volume of claims being reported to them. Two, still, you want to report your damage immediately and make sure to document in writing each time you contact your insurance … Continue reading “What to Expect After a Hurricane”
Understanding Flood Insurance
Three reasons why flood insurance is a crucial component of hurricane preparedness. One, first of all, make sure that you have flood insurance even if you’re not in a flood zone. Two, make sure that if you have flood insurance, you’re covered for the structure of your home and for contents. Lastly, make sure you … Continue reading “Understanding Flood Insurance”
Preparing Your Yard for Hurricane Season
Two tips for preparing your yard for hurricane season. One, trim any trees that have branches that are too close to your roof. Two, have a plan to secure or store outdoor furniture in the event of a hurricane making landfall. Got questions? I suggest consulting with an experienced property claims attorney.
Safeguarding Important Documents During Hurricane Season
Three tips for safeguarding your documents during hurricane season. One, you want to make sure that you safeguard documents like the pre-purchase inspection report showing the condition of your home prior to closing. You also want to keep records of expenses related to your property in a safe place so that you could show your … Continue reading “Safeguarding Important Documents During Hurricane Season”
The Role of Insurance in Hurricane Preparedness
Two important roles that your insurance plays in hurricane preparation. First, you wanna make sure that you have adequate coverage for the main structure of your home, other structures like a shed, your personal property, and for additional living expenses. Second, you also wanna make sure that your hurricane deductible is 2%, which is the … Continue reading “The Role of Insurance in Hurricane Preparedness”
Language Can be Added or Subtracted. Watch out!
Language can be added or subtracted from your insurance policy. Watch out. Endorsements can either add or remove language from the policy. Don’t make the mistake of assuming your policy covers you entirely. Insurance companies work hard to make sure the policy is not easily understandable. If you are unsure about the implications of changes … Continue reading “Language Can be Added or Subtracted. Watch out!”
Don’t Miss Reductions in Your Coverage
Most people miss reductions in coverage. If you’re paying a lesser premium, it’s too good to be true. Don’t overlook the changes in your endorsements that reduce or eliminate coverage. Insurance companies purposely put endorsements at the end since no one will read it. Don’t make that mistake. If you are having trouble understanding the … Continue reading “Don’t Miss Reductions in Your Coverage”