Here in the Miami area, we are no strangers to extreme weather conditions. Between late Spring and early Fall, the rainy season is upon us, and hurricanes become a possibility. Especially if you’re new to the area, you might be wondering if your homeowners insurance will cover the replacement in the event of severe weather.
At Your Insurance Attorney in Coconut Grove, we’ve helped many Miami homeowners handle various insurance claims, including for severe weather. Because of this, we can use our knowledge to help resolve any concerns you may have about dealing with your homeowners insurance provider; however, you may need the help of an insurance lawyer regardless of the case.
The good news is that most homeowners insurance plans will cover the cost of repairs and replacement in the event of more common forms of weather-related disasters. Typically, they will cover any damage delivered by hail, lightning, and heavy winds (and by heavy winds, this does include damages from hurricanes or even tornadoes).
That said, there are forms of damage that are not covered by your standard homeowners insurance, and will require an additional form of insurance to properly prepare for. There are two major forms of weather that will not be covered by your typical homeowners insurance: flooding and earthquakes. For these, a separate plan will be required, and for Florida residents, the flooding option is important.
Regardless, the best thing you can do to prepare for such events is to read up on your policy and be sure about what you have covered. An important thing to note for Florida is that even though a hurricane damage is covered by homeowners insurance, there are usually different windstorm-and-hurricane-related deductibles to consider.
Another thing to remember is to still be proactive about protecting your home. Just because you’re covered doesn’t mean you don’t want to try and protect your home from potential damage, such as with steel shutters and/or impact glass windows. Doing so may also reduce the cost of your insurance if you’re prepared.
Handling a Broken Window Replacement
Regarding any kind of claim, you’re going to be dealing with an insurance company. The truth about insurance companies is that they don’t necessarily care about you as a consumer. What they care about is ensuring they spend as little money as possible covering any damages for any client.
After the claim has been filed, an insurance adjuster will show up to inspect the damages, and they’ll use their expertise to try and cheat. By this, we mean that they’ll use their knowledge to underestimate the value of certain repairs or replacement costs in an attempt to minimize the expenses paid by the insurance company. This is why hiring an insurance lawyer Miami residents can trust is so important.
Rather than investigate damages with the favor of the insurance company in mind, they’ll be doing the same for you in mind–making sure you receive the highest value for the repairs and replacements you need to put quality above all else. Because they understand the ins and outs of the legal process regarding claims, they’ll be able to combat the expertise held by insurance companies and fight to get you the best possible compensation.
If you’re faced with a broken window replacement due to severe weather, contact us at Your Insurance Attorney. Our experienced team will work to fight for your rights and not the pockets of the insurance company you’re faced with. Located in Coconut Grove, we can help clients in need throughout the Miami area.