If you pay your homeowner’s, hurricane, and/or flood insurance premiums, you have the right to receive compensation and pursue a claim with your insurance company when an accident or weather-related event results in losses to your home or property. The most expensive Florida homeowners’ insurance, and, if you have covered losses, you have a right to receive compensation. Many homeowners have questions regarding filing an insurance claim after an accident. Contact a property claim lawyer in Daytona, FL, with the Law Offices of Anidjar & Levine at 1-800-747-3733 who can help you understand if your losses are covered and answer your questions.
Common Concerns After Property Losses
If your home or property was damaged due to wind, water, hurricane, flood, pipes breaking, fires, or tropical storm, you likely have many questions regarding your property losses and if your particular losses are covered. The following are some of the most common questions after a Florida homeowner is faced with catastrophic weather disasters or an accident.
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Homeowner’s Policy and Flood Insurance
If you have a homeowner’s insurance policy to cover you for your home or property losses in the event of an accident, do not assume that your property is covered in the event of a flood. A flood is defined as any water that has touched the ground before it touches your home or property. Floods are one of the most common natural disasters throughout the United States, including Florida, and often are not covered under a homeowner’s insurance policy.
However, the federal government has offered flood insurance to all homeowners through the National Flood Insurance Program. If you have failed to purchase this additional flood insurance, your homeowner’s policy will likely not cover any property losses due to a flood.
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Homeowner’s Policy and Hurricane Insurance
While strictly speaking there is no such thing as “hurricane insurance,” there are combinations of different types of insurance policies you can obtain that will protect your interests in your home and property from a hurricane.
While having a homeowner’s insurance policy is your first best step, you should also consider windstorm insurance. If you do not have windstorm insurance, you may not be covered for any losses suffered due to any wind from a tropical storm or hurricane. Some insurance companies require you to purchase windstorm insurance along with your normal homeowner’s insurance policy. Make sure to check to see if you have this additional insurance, as it will protect you against any wind damage due to weather-related events such as tornadoes, hurricanes, cyclones, tropical storms, or simply high-speed wind damage.
Additionally, many insurance policies have hurricane deductibles that require you to meet a certain deductible amount before being reimbursed for any losses as a result of a hurricane. Typically, to receive compensation from hurricane deductibles, certain criteria must be met. For example, the hurricane must be named and reach land.
Also, having a flood insurance policy, as indicated above, will help compensate you for any losses resulting from the water on your property from a hurricane. If you are curious if your insurance policies will cover your property losses, contact a property claim lawyer in Daytona, FL, with the Law Offices of Anidjar & Levine at 1-800-747-3733 to help you determine your rights under your insurance policies and get the compensation you are owed.
Property Claim Lawyer in Daytona, FL
You may have many more concerns regarding whether or not your property losses are covered under one or all of your insurance policies. Visit with a property claim lawyer in Daytona, FL, who can help you navigate your own insurance policies, understand what will be considered a covered loss, negotiate with insurance companies regarding your claim, and help you receive the compensation you deserve. At the Law Offices of Anidjar & Levine at 1-800-747-3733, we can help you with your next steps in your property claim with your insurance company.