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The Most Popular Insurance Claims Made in Florida

Just like any other industry, there are insurance industry trends that you should be aware of. Before you’re in need of the insurance attorney Miami locals trust with their claims, it’s critical that you have all of the information you need about the most common claims submitted.

Your Insurance Attorney in Miami has a team of experts that could help you analyze these trends and figure out what they mean. 

Everything You Need to Know About the Most Popular Insurance Industry Trends

There is no doubt that the scenery in Florida is unbeatable, but with those gorgeous shorelines also comes threatening and damaging weather conditions, which is why speaking with an insurance attorney Miami locals depend on the most is crucial to figuring out what types of claims are most common and what they could mean for you and your property.

Having the right type of insurance is essential to making sure that you are fully covered in the event that damage occurs, which is why it is so vital you understand the trends that the experts have seen and which claims are the most popular in your area.

Having proper coverage will allow you to repair, rebuild, and replace any property that becomes wrecked and damaged. To find out more, take a look at some of the most common claims made. 

Wind and Hurricane Damage

When it comes to wind damage, hurricanes, tornadoes, and hailstorms are some of the major causes of damage in Florida. Most home insurance policies will cover all of this damage, but there are certain companies that require you to pay an additional fee for wind damage. Make sure you speak with your insurance agent to be sure that you have all of the coverage you need.

Water Damage

Water is another leading cause of damage to homes in the Florida area. However, it’s important to know that water damage is different from flood damage. Water damage is categorized as a sudden problem caused by a broken pipe or drain backup. As long as the water damage is sudden, unavoidable, and unforeseen, it will most likely be covered in your insurance policy.

Flood Damage

This problem is typical in Florida because of hurricanes, tropical storms, heavy rainfall, and clogged drainage systems. Although this type of damage is similar to water damage, it is usually much worse and much more expensive to repair. 

Fire Damage

Fires have the potential to cause the most catastrophic damage to your property since they move so strongly and quickly once they start. After a fire is put out, homes are usually damaged from smoke as well as from the flames. This means that the interior of the property will most likely need to be completely replaced, and in some extreme cases, the whole house may need to be taken down and rebuilt.

Fire damage is usually covered in most homeowner’s insurance policies, but there may be certain items that won’t be covered depending on the type of policy you have. It is important for you to speak with your insurance provider to find out what the restrictions are.

Top Insurance Industry Trends

Your Insurance Attorney is located in Miami and can help you understand the best way to work with your insurance company when filing a claim. If you find yourself in need of the insurance attorney Miami locals depend on the most call or visit us today to find out how we can help you!

 

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