Thoroughly understanding your home insurance coverage is essential to making sure that all of your items are covered in case you experience damage on your property. Many homeowners automatically assume that their insurance policy includes all of their belongings.
However, this is a big mistake. Some things can affect your insurance claim and what is covered under your policy. Analyzing your insurance policy can be stressful and seem impossible. This is why it is a smart idea to hire a property damage attorney Miami locals trust. Your Insurance Attorney in Miami Dade County can sit with you and go over your policy so you are aware of what’s included and what may not be covered in the event of damage.
The Home Insurance Coverage Breakdown
Many homeowners don’t pay much attention to their policy are the fine print involved, and this is a mistake. Not knowing what is included can leave you open to potential losses and significant financial burdens if you suffer any damages. Working with a property damage attorney Miami natives trust the most can help you get a better idea as to what is covered and what can affect a claim you file.
When it comes to a homeowner’s policy, the damage and losses need to be both sudden and accidental. It needs to be proven that no one could prevent the events that the homeowner suffered. If the damage occurred because of something that developed over time it won’t be covered under your policy, for instance, if your sink’s pipe had a small leak that progressively caused damage over time this would not be covered by your policy, but if a pipe suddenly burst causing water damage that would be covered.
Typical and normal wear and tear of your home’s structure or roof would not be included in your policy because your insurance is created to protect you from any unforeseen damage. For example, if you have a roof that is over 20 years old and is at the end of it’s expected lifespan your policy would not cover any damage it suffers because it’s expected to cause losses at this age. However, if you just replaced your roof and experience a loss because of it, then that would be covered by your insurance.
Neglect is also something that will not be covered by your insurance policy. If you notice that there is something wrong with your home and don’t take the appropriate steps to correct and prevent any damages, the loss will not be covered by your homeowner’s insurance. This means if you notice a water spot on your ceiling or wall and don’t take the appropriate steps to correct it your insurance provider will claim you were negligent and didn’t keep up with necessary maintenance.
Your Insurance Attorney
Your Insurance Attorney is located in Miami Dade County and has become known as the property damage attorney Miami locals trust the most. We specialize in helping our clients understand their home insurance coverage, so they know what is protected in case they experience any damage. Call or visit us today to find out how we can help you!