Hail storms can wreak havoc on your home. The falling balls of ice can rain down for seconds or minutes and cause substantial damage. While many insurance policies cover hail damage, it is not necessarily always the case. In a state like Florida, where homeowners may...
Homeowner Claims
How can you prevent a fire disaster?
A fire can spread in a matter of minutes. One moment, it is only a flame and the next, it has gone through the building, using furniture, belongings and other flammable items for fuel. To prevent serious fire damage, the American Red Cross has tips to keep you, your...
Why will homeowners’ insurance not cover the damage to my house?
After a natural disaster, accident or construction failure in Florida, your insurance company may refuse to cover the damage. You may be able to dispute the decision and get the compensation you need. Indeed, in some cases, you may not be able to recover if you did...
Will a homeowner’s policy cover damage to windows
Florida homeowners want to protect their investments, and a homeowner's insurance policy supports the cause. When purchasing homeowner's insurance, buyers may think about damage from storms, burst pipes, fires, and more. A policy's personal liability protection...
What to know about making water damage claims
It isn't uncommon for homes in Florida and throughout the country to experience water damage. However, even if you have homeowners insurance, there is no guarantee that your policy will cover the cost of repairs made to your property. Let's take a look at the types of...
Understanding homeowners insurance policy elements
For a first-time home buyer, there can be many new things to learn and understand. Some of these can be confusing at times. One thing a person buying their first condo, townhome or house should learn about is homeowner's insurance. There are different types of...
What is fire damage coverage?
If you have homeowner's insurance, then you probably feel secure knowing that should anything happen to your home, your policy will cover you. However, do you really know your policy coverage limits? In a time of crisis, many people think they have coverage only to...
About 355,400 residential fires happen yearly
Home fires are one of the most destructive forces that can move through a home. Fire consumes all and often leaves nothing of value behind. It claims not only personal property but sometimes lives. Because of this, it is arguably a property owner’s...
Reasons for spike in hailstorm losses not clear
Most homeowners in Florida are aware of the potential for hailstorm damage, especially during the summer months when storms that can produce frozen rain are more likely to occur. But something odd happened in 2008: That year, nationwide hail-related losses passed the...
Homeowners insurance may not cover water damage
Most Florida homeowners would carry homeowners insurance even if it was not mandated by the terms of the mortgage loan on the property. After all, the family home is typically the single most valuable asset owned, and repairs for any damage to the home or liability...