Insurance claims can be messy affairs, which is especially true in the case of hurricane damage in Florida claims. It is easy to get confused about what these claims cover and what they do not. This article sheds light on some basic questions policyholders have about hurricane damage insurance claims.
Is Hurricane Damage in Florida Covered Under A Homeowner’s Policy?
To some extent, yes! While a homeowner’s policy covers some damage caused by a hurricane, it does not cover it all. Hurricane damage insurance policies are tricky because hurricanes often cause both flooding and high winds. People living in hurricane-prone areas are generally required to buy additional insurance to cover this natural calamity. In addition to that, the cause and type of damage also impact the extent of hurricane damage cover under a homeowner’s policy. For instance, most homeowner’s policies do not cover flood damage but cover wind damage.
Another essential factor impacting whether or not a homeowner’s policy covers hurricane damage is the type of homeowner’s policy you have bought, meaning a particular insurance policy for hurricanes or a standard home insurance policy.
What Do Hurricane Damage Policies Cover?
Technically speaking, there does not exist a specific hurricane insurance policy. On the contrary, you will be required to buy separate policies such as flood insurance, windstorm insurance, as well as sewer backup insurance. Most policies that provide coverage for hurricane damage in Florida offer windstorm coverage, condo, renter or homeowner insurance, and NFIP flood insurance for homes with a net worth of over $250,000.
Sewer Backup Damage
It is important to remember that hurricanes can also cause sewer backup, which is another reason why hurricane damage claims are complicated. In case of heavy rainfall, you might encounter sewer backup, and it would be a huge headache if your hurricane insurance policy does not cover this damage. Therefore, always make sure that the insurance policy you buy has a sewer backup endorsement.
Hire A Professional Public Adjuster To Handle Your Hurricane Damage Claim
A public adjuster in Miami can ease your way considerably when handling hurricane damage insurance claims. These individuals are industry experts and specialize in damage insurance claims. They know just how to negotiate with insurance companies and make them settle quickly with a fair amount so that you can get started with the repairs sooner rather than later. For unprecedented public adjuster services, get in touch with Alconero and Associates! For more details, visit https://www.alconeroandassociates.com!
FLORIDA PUBLIC ADJUSTERS
INSURANCE CLAIMS PROCESS
EXPERTS IN INSURANCE CLAIMS
We evaluate existing insurance policies in order to determine wha coverage may be applicable to a claim.
We investigate all detail, and substantiate damage to buildings and contents and any additional expenses. We also evaluate business interruption losses and extra expense claims for businesses.
We can determine values for settling covered damages. We will prepare, document and support the claim on behalf of the insured.
We negotiate a settlement with the insurance company on behalf of an insured, negotiating dollar values and if not able we continue to appraisal or mediation.
What is a Public Adjuster in Florida?
A public adjuster is a professional insurance claims manager. Public adjusters are hired to file, document, and advise on insurance claims. They also represent the insured during the process of assessing a claim’s worth and validity and negotiate with the insurance company in order to get the claimant the largest possible settlement. Essentially, a public adjuster is an advocate for the insured, ensuring that claims are correctly submitted and processed, and then working with the insurer in order to obtain the insured a higher payout.