home insurance claim Archives

Today we’re discussing one of the most common reasons for a home insurance claim denial but before we get there, let’s briefly discuss what a home insurance policy is and what it is not. A home insurance policy is intended to pay for damages to your home and personal property...

Florida is considered the lightning capital of the US with 17 of the top 30 cities nationwide for lightning. Strikes. As such, the question we commonly get asked is “does home insurance cover lightning strikes?” And the answer is ….. yes. In fact, lightning related claims have approached nearly $1B...

Insurance companies generally classify claims into two basic categories. Claims that are property specific and claims that are specific to you, the insured. Property Specific claims…. These claims are situations that occur which put the insurability of the home into question. For example, if there are a couple recent plumbing...

If you find yourself in the unfortunate situation of needing to file a claim after a hurricane, there are certain things that you need to know. In every home insurance policy, there is a section entitled the duties after a loss. This section outlines the things that the you, the...

Many times, we have customers calling in for a quote and are surprised to find out that even though they had a significant home insurance claim from a prior hurricane, they’re still able to find insurance at competitive rates. Home insurance claims typically fall into two categories. Those that are...

I recently had a customer ask if a claim was ever made for personal property what is needed to actually obtain that amount to replace the covered items. In a standard Florida homeowners insurance policy, there is a section called the “Conditions” section. In the conditions section is a paragraph...

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