5 Common Types of Property Damage in Florida
If your property was damaged, you may be able to file a property damage claim. Here are a few types of causes of property damage Floridians experience...
Making a big purchase such as buying a home or car is an important decision.It’s also important to protect your investment.
Unfortunately, bad and unexpected things can happen to your property. When they do, knowing what’s covered under your insurance policy and what you can file a claim for will help give you peace of mind — not to mention save you money. Always check your insurance policy to see exactly what’s covered.
Depending on where you live, you may need to buy an additional “rider” policy for certain damage protections.
HurricaneThousands of people are affected by hurricanes each year. Few structures can stay completely intact against 74-plus mph sustained winds. Hurricane damage to your property should already be covered under your homeowner’s insurance if you live in a storm-prone state like Florida.
Hurricane coverage may include the following:
Structural damage on additional structures (like garages, decks, etc.)
Damage to contents in your home
Third-party medical payments
FloodFloods are one of the most frequent types of natural disasters, and a common cause of property damage. Unfortunately, many homeowner’s insurance policies don’t include flood damage. Specifically, these policies are more apt to cover water damage caused by rain due to a hole in your roof.
If your insurance company rejects your flood damage claim even though you have a policy that covers it, don’t hesitate to contact an insurance dispute attorney who can help you receive the compensation you need.
HailHail can very in size from that of a pea to a softball. Large hail can inflict major damage to your property — from the roof of your home to your car windshield. Again, you may be covered by your homeowner’s insurance or, as stated above, you may need an additional policy to be covered for hail damage.
Fire & SmokeProperty damage from fire and smoke accounts for over a billion dollars annually in the U.S. No one wants to think about the possibility of their property and belongings being lost in a devastating fire, but it can happen to anyone. Check to make sure your homeowner’s insurance fully covers this type of property damage.
SinkholesIn the unexpected and unfortunate event that your home is swallowed up by a sinkhole, your homeowner’s insurance may provide coverage for this. You’ll want to find out for sure whether or not it’s covered, especially if the area or region you live in is prone to sinkholes. Sinkhole damage insurance is available to property owners who see a need.
For more information about filing a property damage claim, contact a knowledgeable attorney who can help guide you through the process and go up against insurance companies to make sure you receive all the compensation you’re entitled to.