Top reasons for property damage in Florida

Property damage insurance claims play a major role in choosing the right type of insurance for your home. Depending on where you live, your insurance may be cheaper or more expensive depending on the probability that something may happen to your house. There are different insurance rates across the country. Insurance fees in case of floods are not going to be the same in Florida and in California. Therefore, you should choose the type of insurance that is going to protect you in case of an emergency. The last thing that you would want to go through is losing all that you have made in your life. In case that this should happen, you would want to have a backup plan. Therefore, if you are in Florida, you will want to know what are the top reasons for property damage insurance claims.

Why should you be reading this text?

Before we begin looking at the top reasons for property damage insurance claims in Florida, we will assume that you are reading this text for informational reasons. Also, some of you will be comparing different insurance policies, looking for reasons to choose one over another in case that you should do your best to get informed on this subject. However, if you are about to buy an insurance plan and you are comparing them as we speak, be sure to do the following:

  • Make sure that the plan that you choose gives you more for the same or similar cost as the other ones. Buying a cheaper insurance policy that is not going to protect you from the real threat is just a waste of money.
  • You should be 100% sure that you understand what the policy covers and what is not covered by it. If this means seeing a lawyer help you understand it, then do it. Spending a bit more now means saving a lot later.
  • Hire a public insurance adjuster Florida in case that you need to activate your policy. They will provide you the best possible help in case that your property suffered damage.

Flooding tops the list of the most common reasons for property damage insurance claims in Florida

If you are living in Florida, you have probably already noticed it. Heavy rainfall, especially in the coastal areas, is making the lives of common people and insurance companies very difficult. Therefore, if this is where you are headed, or you already live here, make sure that your insurance covers any possible harm by flooding. On the other hand, you should not expect the price of this kind of insurance policy to be affordable. Given the fact that floods top the list of the most common reasons for property damage insurance claims in Florida, insurance companies are going to price it very expensively. Hence, try to figure out whether you can afford to pay for it. If you can, then go for it. It can prove to be very helpful in the event of a natural disaster.

Flooding tops property damage insurance claims in Florida
Make sure that your insurance covers damage that flood makes

Fires in Florida are also among the top reasons for property damage insurance claims

Living in the part of the world that gets so much sun throughout the year must be fun. Suntan is something that you should try not to worry about. After all, if you are free on the weekends and especially if you have kids, you should be able to spend a significant amount of time on the beach. However, fire does represent a true threat when you live in Florida. Usually, fires in Florida are sparked by a human mistake. Nevertheless, it is not uncommon for them to be a consequence of other natural disasters.

Image of fire
Fire can represent a serious issue in Florida

Given the fact that Florida is a state with a lot of rainfall as well, lightning strikes cause many fires. Even though the fire is not caused by an accident, in this case, fire damage claims are still collected and policies activated on such occasions. Therefore, in case that your insurance policy covers damage caused by thunderstorms, you might not need one in case of fire. Still, bear in mind that in this case, should a fire start without thunderstorms playing a part in it, then your insurance will not cover for the sustained damage.

Wind is another source of property damage insurance claims in Florida

Alright, you know where you are about to move to. Florida is great. We have already commented on beach opportunities and heavy rainfall. However, we need to talk about weather conditions just a bit more. Hurricanes are nothing uncommon for Florida. You should make sure that your insurance covers damage done by strong winds. At the moment, you might not see wind as a terrible threat but just wait. Once the first storm strikes, you will be happy because you included wind damage in your insurance policy.

Lightning striking a skyscraper
Beware of lightning

Damage inflicted by humans

This is probably one of the most probable damages that you may sustain. Living anywhere in the world the damage that people can cause is common. Burglary and theft are something that tends to bother us a lot in case they happen to us. They bother us because they are something that we feel we should be able to prevent. Unlike natural causes, for example, since we regard them as deeds of greater force. Therefore, if you are in Florida, make sure that your insurance policy protects you from this type of harm.

Physical damage

Physical damage is a pretty wide term. We use it to describe something that does not fall under any of the above-mentioned categories. Make sure that you are aware of what your insurance policy means when they use this term in a document.