In an ideal world, your home would never be the victim of damage that requires repairs. Unfortunately you can never guarantee total security from those things that sometimes are just outside of your control. Thankfully, you can rely on your insurance policies to get you the funding you need to make your home functional and secure after damages. Here are a few of the most likely reasons you may need to file an insurance claim:
Fire Hazards
A fire in the home can cause major damage in little time! Some areas of a house are naturally exposed to or vulnerable to fire starters that can cause a fire regardless of preventative measures, such as your kitchen or narrow spots with a lot of electrical wiring. If a fire does occur, it is imperative that you file your insurance claim as fast as possible, and with as much collected evidence as possible. Although you will want to clean and make repairs quickly, doing so can lessen the amount of compensation you are granted. Always contact your insurance company first to allow them to assist you in repairing your home quickly and efficiently.
Outdoor Elements
The weather can be a major force against the materials of your home, especially in Florida. Aside from the obvious concerns with rain, natural forces like intense winds, or natural disasters like tornadoes and hurricanes can cause major damage to the roof and exteriors of your walls, if not more major damage to the entirety of your home! Even subtle, silent outdoor elements can cause some serious problems to your house. For example, algae and moss can cause deterioration on your roof.
Water Damage
Finally, and probably most importantly in Florida, water damage. The plumbing of your home can become clogged and backed up, deteriorate due to the chemicals and residue that builds up, or have pipes burst due to major changes in the temperatures outside. Any of these things can cause overflows or flooding that logs the flooring of your home, requiring significant (and expensive) repairs. If any part of your home has accumulated water damage, start by turning off your water so that the flow is stopped, and then contact your insurance company quickly. Take thorough photos or video documentation of the damages, and then (for your safety) get those repairs taken care of, fast!
Awareness of these potential perils can help you be prepared to act fast if and when damages happen to your home. Prepare where you can, and then be ready to access your insurance when you need it. Contact Harris Insurance for a thorough evaluation of your home insurance policy today so you’ll be prepared.
Check out this article on simple measures that reduce liability at your business!
LEGAL DISCLAIMER
Views expressed here do not constitute legal advice. The information contained herein is for general guidance of matter only and not for the purpose of providing legal advice. Discussion of insurance policy language is descriptive only. Every policy has different policy language. Coverage afforded under any insurance policy issued is subject to individual policy terms and conditions. Please refer to your policy for the actual language.