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Forty Myers Shores FL 33905 – Havana Ave / De Moya Dr
Claim Type: Wind/Water
Insurance Company Original Offer: $9,500
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Florida Public Insurance Adjusters
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Forty Myers Shores Public Adjuster
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Forty Myers Shores FL 33905 – Bahama Ave
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Florida Public Insurance Adjusters
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Forty Myers Shores FL 33905 – Virginia Ave/ Riverside Dr
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5 Facts Your Homeowner’s Insurance Company Doesn’t Want You to Know
If you haven’t dealt with your homeowner’s insurer before, you probably expect them to act quickly and diligently to get you the money you deserve when disaster strikes. Most of the time, that doesn’t happen, particularly with large claims. Why? The reason is simple. Insurance companies are businesses, and like every business, their goal is to gain profits. They don’t earn money by giving large settlements to policyholders who file a Florida residential property insurance claim. So, to be an informed homeowner, our team has gathered five facts that residents in Fort Myers Shores, FL (and everywhere), need to know.
Insurers Try to Call Any Water Damage “Flood Damage”
This is one of the reasons why it’s very important to read and understand your policy. A standard homeowner’s insurance policy does not cover flood damage. Homeowners must take out separate coverage to protect them against flooding. However, insurance companies sometimes call any type of water damage “flood damage” to avoid paying for the cost of repairs.
Don’t let them get away with this. Be a smart policyholder by locating the source of the problem and taking pictures of all damage to prove that it was not flood-related. If your insurer has no proof to back their claim, they must pay for the water damage.
You May be Eligible for Discounts
Insurance companies love to charge policyholders for “inflation coverage” or “inflation protection.” However, their lips are sealed when it comes to qualifying discounts. For example, if you recently renovated your home to become smarter and more efficient, or upgrade your roof, you may be eligible for a discount.
Lowering the risk of damage to your home, even if it’s minor, such as installing new wiring or a gas leak detection system, will save the insurance company money in claims. This information may not be in your policy, but if you performed legal renovations that make your home safer, contact your insurance provider and ask about qualifying discounts.
You Can Save Money with the Insurance Buyer’s Guide
State insurance departments publish insurance buyer’s guides, which compile a long list of insurers and, in most cases, their rates. As a result, you can compare prices prior to doing your research, interviewing agencies, etc. It’s a faster and more convenient way to see prices for all the companies in your area and make a more cost-effective decision.
The Insurer Must Pay for Living Expenses
If your home has been destroyed (most often by fires) or damaged to the point where it’s unsafe to live in, you will need to find a temporary residence. Don’t worry about the cost of these expenses, as your insurer is responsible for paying them. It must be a location that is like your permanent residence, offering the same amenities and type of quality. If you’re in a situation where you must leave your home while renovations and repairs are underway, don’t wait for the insurance company to step forward and foot the bill. Immediately show them you know what you’re owed.
You May be Owed for Special Circumstances
You may be entitled to “special” coverage depending on the circumstances. Most homeowners believe the insurance company will only cover the damaged property and everything else is up to them. However, much like temporary living costs, your insurer may be responsible to pay more. Again, it’s very important that you carefully read your insurance policy, as these “special” coverages are not going to be upfront. Oftentimes, they’re in small print, easy to miss the first time. You may be eligible for debris removal and landscaping or repairs up to the current city code rather than the item’s original form.
Contact Alpha Public Insurance Adjusters
We understand how difficult it can be when filing a Florida residential property insurance claim. We can make it easier and ensure you are fully aware of what the insurance company covers (because you’ve already paid for these services) and that you receive the maximum settlement. If you’re in Fort Myers Shores, Florida, contact Alpha Public Insurance Adjusters. Call (888) 442-5742 for a free consultation.
