Have you checked your homeowners insurance policy lately? Ever? If not, make sure your policy covers any damage your house may suffer as a result of the wind & rain currently soaking South Florida. If after reviewing your policy you are still unsure whether you are adequately protected, maybe we can help. We will be happy to review your policy and let you know.
Considering that Florida is a prime target for hurricanes and other windstorms throughout most of the year and that the hurricane season is just starting, coverage for the damage caused by those weather systems and the water that usually accompanies them is one of the most important parts of a Florida homeowners’ insurance policy. If you are unsure whether your home is adequately insured, please call us today and we will be more than happy to review your policy. I addition to the damage that hurricanes and other windstorms may cause to the roof of your house, it is common for these policies to also cover the damage caused by humidity to the floor, the walls and other areas of the house, as well as damage caused by mold into a building.
What’s Typically Covered By A Homeowners Insurance Policy?
A typical South Florida homeowners insurance policy will cover the policyholder’s primary residence (be it a single family home, an apartment or a condominium) and whether it is owned or rented. These policies usually cover:
- Dwellings and other structures within the property;
- Removal of debris from covered damage;
- Damage to boilers and machinery;
- Damage caused by water (including mildew and toxic mold claims);
- Damage caused by a sinkhole; (a new, complex Florida Statute governing sinkhole claims recently went into effect)
- Damage caused by hail;
- Damage caused by other falling objects;
- Damage by theft or vandalism;
- Damage caused by windstorm (hurricanes, tornadoes)
- Damage caused by trees and shrubbery, as well as their removal;
- Damage caused by lightning;
- Damage caused by fire;
- Damage caused by smoke.
The Worst Weather May Still Be Ahead
According to the miamiherald.com, the worst part of the recent system was flooding, yet considering that the rainy season is just starting, it may be too early to tell whether our properties are safe. Please remember, that in order to be covered for damage caused by flood (rising water) you need to have a separate Flood Insurance Policy, as such damage is not covered under a Homeowner’s Policy.
Thankfully, there were only isolated reports of water damage to homes and businesses mainly in Doral and Sweetwater, an area of West Miami Dade once notorious for disastrous flooding. However, with the possibility of heavy rains coming back to an already soaked region this week, the danger of windstorm damages to properties is still latent.
The Lawyers of Greenberg and Stone Can Help
As stated before, you should have an attorney help you review your policy and advise you on what coverage you should have and for how much. With more than 55 years of combined experience, the Miami Dade County Homeowners Insurance Claims Law Offices of Greenberg Stone and Urbano have helped thousands of Homeowners all over Florida review their policies, present their claims and get the compensation owed them by their insurance carrier.
Please note that our practice has been extended with a new satellite office in Aventura to better serve clients that reside in Ft. Lauderdale, Hollywood, Hallandale Beach, Dania & Dania Beach, Miramar, North Miami, North Miami Beach, Aventura, Miami Beach, Surfside, Sunny Isles and Miami Gardens. Visit our website to learn more about our firm and contact us today for a free consultation.