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Homeowner Claims Archives

How to get ready to file insurance claims following a hurricane

When a hurricane strikes in Florida or any other state, it could cause major property damage. To be reimbursed for a portion or all of the cost of the damage, it may be necessary to file an insurance claim. Prior to a hurricane making landfall, residents in its path can take steps to be ready to show that the storm caused the damage in question. One step is taking pictures of the home and the contents within it.

What homeowners insurance will likely cover

Homeowners insurance can help those who have been impacted by a natural disaster make up for some financial losses. However, Florida residents may not necessarily be covered for all disasters, even if they have a homeowners insurance policy. A Consumer Reports survey found that 45 percent of those in the path of Hurricane Irma experienced property damage. If a home cannot be lived in after a storm, a homeowners policy will generally cover living expenses such as paying for a motel.

The importance of hurricane insurance

Hurricanes can cause cost cities and states billions of dollars, and homeowners can lose their entire real estate investment. With these storms expected to get stronger as time goes on, it's become more important than ever to get insurance coverage. While regular property insurance will usually cover the damage that comes from hurricane winds, flooding is considered a separate issue. Homes in Florida, as seen with Hurricane Irma, are particularly vulnerable to rising waters from storm surges.

Now is the time to review insurance policies

Homeowners in Florida should be sure to check their insurance policies ahead of the hurricane season. In most cases, flood insurance policies don't take effect for 30 days after they are purchased. Homeowners and renters insurance policies generally don't cover damage done by floods on their own. Those who have hurricane or flood insurance policies should make sure that they can afford the deductibles that are often higher than other forms of coverage.

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