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What Does My Homeowners Policy Cover?



Virtually all homeowners have some type of insurance to cover damage to their property, but people aren’t always aware of what’s actually covered. Sadly, many property owners don’t know the details of their coverage until they’re faced with large out-of-pocket costs for uncovered losses. That’s why it’s important to take a long hard look at your insurance coverage to determine whether it’s properly protecting your investment. If your insurance company is giving you the run around for a covered loss, it’s important to hire an experienced Miami-Dade and Broward County property damage claim attorney to hold them accountable. Call the Innocent Law Firm at 954-903-1737 for a free consultation.


What Do Typical Policies Cover?


Most homeowner’s policies cover your dwelling, other structures on your property such as a garage or shed, personal property, living expenses if your home is temporarily uninhabitable, and liability payments to others. In Florida, it’s important to make sure that you are properly insured for storm damage, especially for damage from wind and floods. The cost of wind damage insurance can be reduced by installing storm shutters, storm-resistant roofs, and other building enhancements that mitigate wind damage. It can be extremely expensive to purchase flood insurance in Special Flood Hazard Areas and Preferred Flood Zones, but failing to do so could cause you to lose your entire investment in your home. It’s important to know that mold is excluded from most Florida homeowner’s insurance policies, despite its prevalence due to hot and humid conditions. Mold is often not noticeable until the problem is severe, and it’s expensive to repair, so adding mold coverage in Florida is wise.


Miami-Dade and Broward County Property Damage Claims Attorney


If you’ve sustained a loss and your insurance company is denying or delaying your claim, it’s important to get the help you need to collect what you’re entitled to. Call the Innocent Law Firm at 954-903-1737 for a free consultation.


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