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Important Advice For Florida Homeowners Insurance

It is important to follow these steps if you want to get homeowners insurance in Florida. According to a survey by major insurance companies, the average Florida homeowner makes a claim about once every nine years. Around 40% of those polled did not know what their policy covered. Many homeowners should review their policies immediately after hurricanes, tropical storms, and natural disasters in Florida. These are the three most important tips for homeowners regarding insurance in Florida.

How to determine your coverage

The majority of insurance policies in Florida will cover basic structures on your property. This could include your home’s structure, with some coverage for more expensive structures such as your shed or garage. Your insurance policy will detail the possible sources of damage that you would be covered for. It may surprise you to learn that your insurance policy may not cover damage caused by an earthquake or another potential disaster.

Hurricanes have their own deductibles

You may need to pay an additional deductible on your hurricane insurance claim. The deductibles for hurricane insurance typically range from 1% to 5% of your home’s total value.

You May Need Extra Flood Insurance

Flooding is usually not covered by standard home insurance policies. Flood insurance is a way to ensure that your home is protected in the event of a major storm or accidental flooding.

These are just some of the elements you might need to look at in order to have peace of mind about your Florida homeowners insurance. To ensure you are properly covered, make sure you review your policy today.

This post was written by Kelly-Ann Jenkins of Jenkins Law P.L. Kelly-Ann is an insurance claims attorney. The information on this site is not intended to and does not offer legal advice, legal recommendations or legal representation on any matter. Hiring an attorney is an important decision, which should not be based on advertising. You need to consult an attorney for legal advice regarding your individual situation.

The information provided on this website does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this site are for general informational purposes only.  Information on this website may not constitute the most up-to-date legal or other information.  This website contains links to other third-party websites.  Such links are only for the convenience of the reader, user or browser; the ABA and its members do not recommend or endorse the contents of the third-party sites.

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