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”

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”

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”

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.

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”

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!”

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”

Very important question. What are endorsements? They are a set of pages located at the end of your policy that contain useful information about changes in your policy. You need to read these pages as they are critical to the coverages in your insurance policy. If you are unsure about your endorsements, consult with your … Continue reading “What are Endorsements?”

Did you know your insurance company has to provide 45 days notice to renew before the expiration of your policy? Make sure your insurance company is providing sufficient notice to renew your policy. They have 45 days. If you feel that you have not been properly notified about a renewal of your policy, contact your … Continue reading “45 Days Notice to Renew Before Expiration of Policy”