South Florida hasn’t been directly hit by a hurricane since Wilma in 2005, so its easy to become complacent and not worry about another storm. However, its not a good idea to take this attitude because analysts are predicting a busy hurricane season.
As Floridians, its important to prepare for a hurricane. Its vital that we purchase water, batteries, and non-perishable food items. Protecting your home by putting up shutters is basically a must-do.Â
However, one thing many of us fail to prepare for is what to do in the instance our properties are actually damaged.
When was the last time you took a look at your insurance policy? The average person hasn’t looked at their policy in years. If you fall into this category, we recommend you take some time to review policy.
You should review your policy to see what you have to do if your home is damaged. Specifically, you need to look at the section which is most likely labeled “Duties After Loss”. Under these provisions, your policy sets out all the things you must do after finding damage. Failure to comply with these duties could result in your claim being denied.
Other than looking at your duties after a loss, make sure to look at whether your policy even covers windstorms or flood damage. You should also take the time to photograph or videotape your home, so that in the event of a claim you can show exactly what was damaged in a storm.
Another thing you should do is get the contact information for a Florida Association of Public Insurance Adjusters adjuster located in South Florida. Public adjusters are licensed professionals that represent and protect insured consumers during the tedious process of filing an insurance claim. A public adjuster will help ensure that your insurance company treating you fairly.
With hurricane season right around the corner its important to prepare for a hurricane and any ensuing damage. If we are unfortunately struck by a hurricane this season and you feel your insurer is mishandling your claim, don’t hesitate to contact us for a consultation. We have the experience and know-how to represent your best interests.Â