All Florida homeowners need homeowner’s insurance to protect their properties, but the right amount of coverage is vital to making sure you’re prepared if disaster strikes. Whether you’re just starting your research or looking to switch providers, make sure to work with an experienced Florida homeowner’s insurance attorney who can help you determine the right amount of coverage that will cover your home and personal property while protecting you against liability issues as well. Read on to learn more about the benefits of working with such an attorney and how they can help you get the most out of your homeowner’s insurance policy.
If you’re a Florida homeowner, you know that homeowner’s insurance is a must. But what happens when your insurance company denies your claim? That’s where a homeowner’s insurance attorney comes in. A homeowner’s insurance attorney can help you get the coverage you need and fight for your rights if your claim is denied. It pays to have one on your side! Sandy Wilson Law has been fighting for homeowners across Florida since 1991, and with offices in Orlando, Tampa Bay, Miami-Dade County and Jacksonville Beach, we are available 24/7 to serve our clients’ needs. We offer free consultations with an experienced attorney who will answer all of your questions.
We take care of everything from getting you back into your home as quickly as possible after a disaster strikes to protecting you from fraudsters looking to exploit disasters by committing homeowner scams or by taking advantage of homeowners during times of turmoil or high stress.
To learn more about how we can help you get the coverage you need while avoiding the stress of dealing with a big insurance company visit our website today!
The Basics of Homeowners Insurance
If you’re a homeowner in Florida, you know that having insurance is required. But what exactly does homeowners insurance cover? A homeowner’s insurance attorney in Florida can help you understand your policy and make sure you have the coverage you need. What are some common homeowner’s insurance policies? (1) Standard homeowners: Your standard homeowner’s policy covers damage to the home caused by fire, vandalism or theft. The value of the house determines how much money you’ll get to repair it if it’s damaged by one of these things. (2) Replacement cost coverage: When your house is severely damaged by an event like fire or hurricane and needs to be rebuilt entirely, this type of homeowner’s insurance will pay for a new house with all necessary furnishings. It’ll also reimburse expenses incurred during temporary living arrangements while your new home is being built. (3) Condominium owners: Your condo owner’s insurance covers damage to both your unit and other units within the building where you live or work.
When Can I Cancel My Policy?
Most homeowner’s insurance policies in Florida are written for a one-year term. This means that you can cancel your policy at any time during the year and you will not be penalized. However, if you cancel in the middle of the year, you may not be able to get a refund for the unused portion of your premium. If you have a mortgage on your home, your lender will require you to have homeowner’s insurance. If you cancel your policy, your lender may purchase a policy for you and charge you for it. The new company that purchases your loan may also try to sell you an additional insurance product.
You should consider canceling your policy if:
1) The cost is prohibitively expensive
2) Your needs change (e.g., death or disability, building construction or modification, etc.)
3) You decide to move out of state or country
Things You Should Know About Floater Policies
A floater policy is a type of insurance that provides protection for your personal belongings, like jewelry, art, or electronics, when they’re outside of your home. Your homeowner’s insurance policy likely has some coverage for your belongings when they’re away from home, but it might not be enough to cover the full value of your items. That’s where a floater policy comes in. A floater policy can help make sure you’re reimbursed for the full value of your belongings if they’re lost, stolen, or damaged.
An Overview of Flood Policies
Most homeowner’s insurance policies do not cover flood damage. If you live in an area that is prone to flooding, it is important to purchase a separate flood policy. A homeowner’s insurance attorney in Florida can help you understand your policy and what coverage you may need. For example, if you are located in an area with frequent floods or if your property has been flooded before, you should consider getting a special flood insurance policy.
Tips for Finding a Good Policy and Staying Insured
If your home is damaged, it’s important to contact a homeowner’s insurance attorney in Florida as soon as possible. They can help you navigate the claims process and get the coverage you need. In the meantime, here are a few things you can do to protect your property 1) Take photos of all damages and store them securely; 2) Contact your mortgage company or title company immediately if you have any concerns about the status of your policy; 3) Review your policies annually with an experienced insurance agent; 4) Install smoke detectors in every room of the house including basements; 5) Secure all valuables by storing them away from windows and high-traffic areas like hallways; 6) Change locks if keys were lost during a break-in or other disaster.
What to Do When Your House Is Damaged
If your home is damaged, the first thing you should do is call your insurance company and file a claim. You will need to provide them with a detailed description of the damage, as well as any photos or videos you have of the damage. Once your claim is filed, an adjuster will be assigned to your case and will contact you to schedule an inspection. Once the inspection is complete, you will be given a settlement offer. If you agree to the settlement, you will sign a release and the
will issue a check for the agreed upon amount. If you do not agree to the settlement, you can hire an attorney to help you negotiate a better offer from the insurance company.