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Insurance Planning Can Save Time and Headaches

222429349-1Florida is currently at the peak of hurricane season, and although the bulk of it has come and gone, there is still a chance that a storm could arrive and cause significant amounts of damage. Now is an ideal time for homeowners to look over their insurance plans as some of the terms and coverage may have changed, even if they have maintained the same plan for a number of years. Property values may have increased, which could mean that the insurance does not cover the value of the home.

Preparing your home for the arrival of a storm is a good way to reduce the odds of running into potential hassles with your insurance company if and when a storm does hit Florida. When filing a claim, the insurer will likely ask whether obligations were fulfilled per the policy terms, such as having hurricane shutters, removing loose items from the yard and stowing everything away in a safe place.

The last time Florida had a major storm was way back in 2005, and since then, a law called the Homeowners Claims Bill or Rights has emerged designed to protect homeowners. Upon filing a claim, an insurer must supply a sheet explaining the homeowner’s rights. This sheet will explain crucial items such as how quickly an insurer will investigate the claim and provide temporary support.

Feel free to contact our office directly for a free evaluation of your insurance policy and recommendations to avoid potential denials and/or lack of coverage.  Email us today! This information is provided by Miami insurance attorney Alonso, Perez & Santos, LLP.  Our areas of practice include bankruptcy, insurance litigation, debt harassment, credit card defense, foreclosure defense, immigration law, condominium law, business start-ups, and more.  Call 305-676-7545 to speak with one of our attorneys and receive a free consultation We look forward to working with you.

This information is provided for educational or informational purposes only and should not be construed as legal advice. The information is not provided in the course of an attorney-client relationship and is not intended to substitute for legal advice.