So you just received that check. What do you do? You can deposit it as long as you don’t sign a release. A release and depositing a check are not the same thing.

You know what they say? It’s not over till it’s over. Getting a check from your insurance company is not the end. You still have an ability to recover additional money. Don’t give up your rights.

Do you know how much your out-of-pocket responsibility would be after a hurricane? If not, you should. So make sure you review your policy or talk to your agent.

If you have expensive jewelry, get a separate policy. Most homeowner insurance policies have limited coverage for jewelry like $2,500 or less. That’s nothing. Your jewelry is a worth a lot more. Call your insurance agent. Make sure you get a separate jewelry rider.

You wanna make sure you claim everything, even the smallest items. It could be your clothing, it could be furniture, it could be a camera, it could be your phone. You wanna claim everything, so you make sure that you are properly compensated.

Insurance companies love to claim prejudice for late reported claims. Don’t give insurance companies a reason to deny your claim. File early, file now.

RCV or ACV. Get replacement cost value. You will thank me later. ACV, Actual Cash Value means you’ll get the value of the item now versus what it costs to buy a new one. So what that means is RCV is the way to go like and follow for more.

Three critical things to watch out for when it comes to flood insurance. First of all, make sure you get it. Even if you’re not in a flood zone, get the maximum coverage for your home and personal property and last submit a storm proof of loss no later than 60 days after you report … Continue reading “Flood Coverage Pitfalls to Watch for!”

It’s super important. A hurricane is just about to hit. What do you need to do? Make a list of all your personal property. Take a photo, take video, whatever you need to do to make sure all of that will be covered later when you make an insurance claim.