Proactively Protecting Your Property Before a Hurricane Strikes

Proactively Protecting Your Property Before a Hurricane Strikes

Hurricanes are very powerful natural disasters that can devastate your home and property. For the majority of people, your home is where your money is, and is probably the investment of most value that you have. This is why you need to anticipate different types of risks to your home and protect it with insurance. While most homeowners have house insurance, your homeowner’s insurance policy may not necessarily protect your property assets in the case of a hurricane. Even the best home insurance tends to not cover every kind of hurricane damage. If you live in hurricane-prone areas such as Florida, it’s essential to look over your homeowner’s policy and figure out what kind of hurricane insurance you still need to purchase in order to be proactive and protect your property. If you have hurricane insurance and are looking to receive the full value of your hurricane insurance claims, you may need a public claims adjuster. Call Mutual Claims Services in Miami today to receive the insurance compensation you deserve.

What To Look For in Hurricane Insurance

Even comprehensive home insurance tends to not pay for every single category of hurricane territory. This is why you need to look over your policy and figure out what the right hurricane insurance is for you. You may need to be proactive and protect your property so that in the case of property damage and loss in a hurricane, you can file hurricane insurance claims in the future. Hurricanes create two major types of damage: water and wind. Depending on the area you reside in and the type of policy you have, you may need to purchase these separate policies in addition to your regular homeowner’s insurance in order to protect financially against hurricane damage. Firstly, you should check if you have flood insurance. No homeowner’s insurance will fully cover floods, and this includes water from a storm surge. Hurricanes can bring major flooding, so you should make sure to get flood insurance for coverage against the damage incurred. Windstorm insurance is also important to have, as winds are the second component of hurricane damage. High-speed winds can seriously damage your property, and homeowner’s insurance policies in several hurricane-prone states will not cover windstorm damage. Check to see if you reside in one of these states, as if you want coverage, you will need to purchase a separate windstorm insurance policy.

What Your House Insurance Doesn’t Cover

Your homeowners insurance policy will not cover the flood damage a hurricane causes. This means that you will need to buy flood insurance separately through a policy such as the National Flood Insurance Program. Most major insurers also provide flood insurance, so you can probably purchase it from your home insurance agent. Most states cover damage caused by wind, but in high-risk states such as Florida this is not the case, and you will need to purchase it separately through your insurance company or a state-run insurance pool. This type of insurance will cover damage from any sort of high wind, not just wind damage from hurricanes.

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Hurricanes can cause serious damage to your property that a typical house insurance policy will not cover. Protect your property from hurricanes by making sure that you have the appropriate coverage. If you need help adjusting hurricane insurance claims, call Mutual Claims Services today for the insurance compensation you deserve.

Insurance Coverage To Protect Yourself From Wind Storm Damages

Insurance Coverage To Protect Yourself From Wind Storm Damages

Hurricane season in Miami can be a stressful time for many homeowners, as the threat of wind and water damage looms over areas where it is common. When hurricane season hits in Florida, you may have planned out an evacuation route and stored your valuables properly- but are you prepared with your insurance to make sure your family and property will be protected following a storm? It’s important to go over your insurance coverage to ensure that you are financially protected from damages that can occur from a wind storm or from other types of common natural disasters common in your area. There are steps you can and should take to review whether your insurance covers wind damage, and if it doesn’t, you should adjust as needed. If you think you have insurance and a storm occurs, and you are trying to adjust your hurricane insurance claims, call Mutual Claims Services today to receive the full compensation you deserve.

Making Sure You Have Storm Insurance

The first step is to review your coverage and its policy limits. Make sure your homeowners or commercial property policy includes the coverage to pay the full replacement cost of your property. If you’ve remodeled your home, consider readjusting your policy’s limits to reflect these changes. Property values increase over time, and if you want hurricane insurance claims adjusted to reflect that change, call a public adjuster like Mutual Claims Services. Next, you should consider windstorm insurance. If your property happens to be located in Florida’s various coastal counties or areas where hurricane storms are common, it’s possible that your homeowner’s policy may not cover damage caused by wind storms or other types of hurricane damage. You might be able to purchase coverage for wind or hurricane damage from different insurance pools, as you can’t buy or change windstorm coverage once a hurricane is in or near certain areas of your residency, so make sure to look at your coverage prior to hurricane season. If you do have coverage, make sure you are insured to the proper value.

Insurance For Wind Storm Or Flood

Generally, homeowners and commercial property policies refuse to cover flood damage, especially in a flood-prone state like Florida. You will want to protect yourself from water damage losses through various separate flood insurance policies, as wind storms often come with flooding in hurricanes. When trying to adjust or purchase insurance, create a home inventory and keeping a copy in a secure place. Email the inventory to yourself so that it’s accessible from a computer. Also, take photos or video of each room and exterior. It’s also important to check up on your auto insurance to make sure that you have the additional coverage needed to protect your vehicle from damage caused by natural disasters.

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A wind storm can seriously damage your home, and you need to make sure that your insurance coverage will compensate you. Be protected from natural disasters to gain peace of mind for yourself and your family. If you are looking to adjust hurricane insurance claims in the Miami area, call Mutual Claims Services today!

How To Prepare Your Home For Extreme Weather

How To Prepare Your Home For Extreme Weather

Different kinds of extreme weather can devastate your property and wreck havoc on your belongings as well as your bank account. Being proactive and having some preparations in place for storms, flooding, and hurricanes can save you not only your property and time but a lot of stress, both financial and emotional. Bad weather can strike at any time in any state, but Florida is especially prone to extreme weather cases such as hurricanes and storms that can catch both you and the weathermen off-guard. Preparing ahead of time can help keep your property and home safe when an unexpected storm hits. Of course, no plan is foolproof and you may not be able to prevent every type of storm damage, but it is easy to cut down on the risk of many different problems by following our tips and taking note of what types of preparations you should act on. If you think your insurance hasn’t compensated you enough for damage such as water damage restoration, Mutual Claims Services can help you get the compensation you deserve. Call Mutual Claims Services, a public adjuster Miami residents trust, for a free initial consultation today.

Preparing For Extreme Weather

If your home is surrounded by trees, or if you have a tree lined backyard, it is important to take care of your home and yard to make sure there is no danger from tree branches and overhang. While in nice weather trees are a great source of shade and can be fun for children, but in a bad storm, they can become a major risk. Tree limbs can fall off and blow into your house or a nearby power line, so you should keep troublesome branches trimmed and make sure your tree is the right shape and structure to hold up against high winds and strong storms that often afflict the Miami area. When lightning strikes, there’s also a chance that it can cause a power surge in your house. The rush of electricity from the lightning can fry electronics that are plugged into the house, such as computers and even large appliances. A good surge protector can help save your expensive electronic devices as well as your peace of mind. When a storm is in motion, you should also unplug your devices, just to be safe. If a storm does occur and you are looking for an insurance claim adjuster, Mutual Claims Services is a public adjuster Miami residents trust.

Preventing Flooding and Water Damage Restoration

There are some steps you can take to prevent flooding. When the water is already rising, it’s too late to protect your home. First of all, you should go and check your downspouts (pipes off the gutters that carry the water to the ground) and make sure they are pointed away from your home and sending water away from the foundation. Also, make sure rainwater runs off from your house to the street on more of a gradual slope. If you notice any pooling when it rains, fill the area.

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After extreme weather hits and you are seeking insurance compensation for costs like water damage restoration, call Mutual Claims Services, a public adjuster Miami residents rely on, to get the compensation you deserve.

What Qualifies As a Hazardous Event?

What Qualifies As a Hazardous Event?

You worked hard for your home and property, and you want to be financially protected in case of emergency. Unfortunate events occur every day, and it’s essential to be prepared in the worst case scenario. Be proactive in your property ownership and stay informed regarding the various perils your property could face and how to be compensated if the worst does happen, for example if you need to file hurricane insurance claims. One great way to protect yourself financially from events that could devastate your property is hazard insurance. So what exactly is a hazard, and how does it apply in terms of your insurance claims? The two terms, “peril” and hazard” are often misinterpreted by laymen and used in reference to the insurance industry, but though they are similar, they constitute two different concepts. A peril is essentially something that causes, or is able to cause, a loss, while a hazard is something that makes the occurrence of a peril or loss more likely to happen. For more information and a free consultation regarding insurance claims and compensation, call Mutual Claim Services in Miami today!

 

Peril Versus Hazard

 

The two insurance terms that often get confused are “peril” and “hazard,” which have similar connotations but mean different things when it comes to your insurance classifications. A peril is an event or circumstance that may potentially cause a loss, including fire, flooding, hailstorms, tornadoes, hurricanes, auto accidents, or home accidents. A hazard is an action, situation, condition, or circumstance that increases the likelihood of a peril occuring, or increases the likelihood that a loss will occur due to a peril happening. A hazardous event, then is usually known as a peril which has occured and can incur great losses. This includes fire, severe storms, earthquakes, or other natural events which can incur severe damage to a property. In the state of Florida, especially, hazard insurance is important because of the commonality of such hazardous events like hurricanes and severe storms. In Miami, Mutual Claim Services commonly deal with hurricane insurance claims.

 

Hazard Insurance Claims

 

Hazard insurance protects a property owner against damage caused by the abovementioned hazardous events. If the specific event that occurs to your property is covered within the policy, the property owner will receive compensation from the insurance company to cover the cost of damages incurred by the event. In general, a year’s worth of premiums need to be paid at the time of closing by the property owner, but policies differ so it depends on the specific situation. Because a typical property or homeowner’s insurance policy tends to not cover all events that could damage the property, in high-risk areas such as Florida (due to its regularity of hurricanes) some events like hurricanes and storm damage will definitely not be covered by homeowners’ insurance. Whichever hazardous events are common where your property is, it is important to make sure you are covered against them.

 

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Hazardous events need to be protected against with hazard insurance. However, sometimes the claims are not recognized by insurance companies, or you don’t get the compensation you deserve. Mutual Claim Services can help you with insurance claims such as hurricane insurance claims and get the compensation you are owed by your insurance company. Call us today for a free claim evaluation!