Two important roles that your insurance plays in hurricane preparation. First, you wanna make sure that you have adequate coverage for the main structure of your home, other structures like a shed, your personal property, and for additional living expenses. Second, you also wanna make sure that your hurricane deductible is 2%, which is the … Continue reading “The Role of Insurance in Hurricane Preparedness”
Can My Insurance Cancel the Renewal for Acts of God?
Your insurance company cannot non-renew you due to acts of God unless you fail to mitigate your damages from a prior claim. If your house is damaged due to an act of God, your insurance company cannot cancel your policy. If you are unsure if you’re wrongfully canceled, consult with your insurance agent or speak … Continue reading “Can My Insurance Cancel the Renewal for Acts of God?”
Questions To Ask Before Hiring An Insurance Claim Attorney
If you are someone who recently suffered a major loss due to theft, fire, or any other disaster, then you would have filed an insurance claim. People may file the claim on their own without hiring or consulting with an insurance claim attorney in Fort Lauderdale. Filing the insurance claim by yourself to save money … Continue reading “Questions To Ask Before Hiring An Insurance Claim Attorney”
How Climate Change Impacts Your Risk Profile
Hurricane season and climate change, they go hand in hand. Due to global warming hurricanes will produce more rainfall, have more intense winds because of the warmer water, and hurricanes thrive on humidity. So what does that mean? That means there’s going to be more intense hurricanes out there that cause more damage so you … Continue reading “How Climate Change Impacts Your Risk Profile”
How Much Does Fire Damage Cost?
Suffering fire damage to your home or personal property can be a devastating experience. Even a small fire may result in significant damage to your property or home. However, some of the structural components of your home might be salvageable if you seek help from a fire restoration service. It is important to check your … Continue reading “How Much Does Fire Damage Cost?”
I Rent My Office. Do I Need My Own Property Insurance?
Yes, you need your own property insurance. The building or the office space being rented most likely does not ensure the business or personal property within the office space. You need to have separate insurance to ensure items like your desk or the computers or any other equipment are insured. You need to have insurance … Continue reading “I Rent My Office. Do I Need My Own Property Insurance?”
What is an EUO, and do I have to do it?
EUO is an examination under oath. The way I try to explain EUO is it’s essentially a deposition but a deposition happens during a lawsuit and EUO happens prior to a lawsuit. That’s the difference. They ask you questions about the claim and fact surrounding it. Now, you don’t have to do an examination. Unless … Continue reading “What is an EUO, and do I have to do it?”
Are Home CCTV Security Cameras a Good Idea?
CCTV security cameras are absolutely a great idea. If there’s vandalism or theft, at your home or business having that footage as evidence is important. I had a case where someone’s home was burglarized. The neighbors saw people fleeing with bags in their hands into their car and leaving and it was captured on their … Continue reading “Are Home CCTV Security Cameras a Good Idea?”
Vandalism of a Car in my Driveway.
What if a car is in my driveway? Which policy covers the car if it’s vandalized? The homeowners or car policy? Your homeowner’s policy should cover that situation. But that really depends on the language in the policy. If you’re faced with a situation of a car vandalized in your driveway, I suggest calling your … Continue reading “Vandalism of a Car in my Driveway.”
Vandalism, inventory is important.
It is extremely important to have a really good list of items in your home or business in case you suffer theft or vandalism. A good inventory is a vital part of an insurance claim. You want to make sure that every item that you potentially need to claim is put on that list. Otherwise, … Continue reading “Vandalism, inventory is important.”