One of the main reasons that people file insurance claims is because they have water damage. Perhaps a pipe burst in the house. Maybe there was a storm or a flood that caused water to get inside. As long as people have the correct coverage, they can file a claim and...
Homeowner Claims
Homeowners insurance limits and inclusions for vandalism claims
Homeowners insurance offers valuable protection for your property, but individuals should understand the limits and inclusions, especially when it comes to vandalism claims. Vandalism, unfortunately, can occur unexpectedly, leading to damage that may require financial...
What are the most common causes of residential home fires?
Fires at home are more prevalent than most homeowners realize. They are both unpredictable and unexpected; therefore, many homeowners don’t imagine their house could catch on fire until it does. It doesn’t help that residential fires can quickly spiral out of control...
What steps can you take if your home has mold damage?
Mold, a type of fungus, often grows in damp and poorly ventilated areas. In Florida, frequent storms, hurricanes and high humidity create conditions for mold to thrive. Understanding the impact of mold damage on your home is important for maintaining a healthy living...
5 signs of roof damage after a storm
Whether it’s a sudden thunderstorm or a hurricane, Florida's storms can lead to significant home damage. The roof of a home provides substantial protection for the structure, so homeowners need to recognize the signs of potential damage. Ideally, a roof inspection...
Could there be hidden water damage in the house?
Water damage can cause extensive issues within a house. Often, this starts after a storm, when there may be flooding on the ground level or leaking in the roof. For instance, a tropical storm could rip shingles off of the house, meaning that rainwater then quickly...
What’s the role of appraisals in property insurance?
Property insurance, a cornerstone of risk management, provides financial protection against unforeseen events that could damage or destroy real estate. It encompasses various types of coverage, from homeowners’ insurance for individuals to commercial property...
Should you stay in a house with fire and smoke damage?
A house fire does not always mean the complete loss of property. If only a portion of your home caught fire, you might be contemplating whether it is safe to continue using the rest of the house. However, lingering effects from fire and smoke damage can pose health...
How does the age of your roof affect your claim?
Roof fires can occur due to various factors like lightning, wildfires, or electrical issues, each causing different types of damage. Insurance coverage for such damages varies. While insurers usually cover natural disasters like lightning or wildfires, they may...
Does homeowners insurance cover all plumbing issues in Florida?
A standard homeowners insurance protects a homeowner's financial interest if their home is damaged by a threat named in their policy. HO-2 policies in Florida generally cover water damage, but this may change depending on the circumstances that led to the damage. Here...