Homeowners Claims Storm Damage / Wind / Hurricane
Homeowners Insurance Property Damage Claims from Storm Damage – Wind Damage – Hurricanes
The typical Homeowners Insurance Policy includes 4 separate coverages:
Coverage A – Dwelling. This coverage covers your building (ie. the house itself and structures which are permanently attached to the house. Materials and supplies for repair and construction of the house are covered if they were located on or next to the residence premises.
Coverage B – Other Structures. This coverage covers things that are not permanently attached to your main house, such as your fence, your shed, etc. A pool with a continuous foundation attached to your house should be covered under Coverage A – Dwelling.
Coverage C – Personal Property. This coverage covers your personal property (such as your furniture, clothes, appliances, etc.). There are a number of exclusions to this coverage in a typical homeowners policy including animals, birds and fish, motor vehicles, etc. There are also separate special limits for items like jewelry, firearms, watercraft, and trailers, etc.
Coverage D – Loss of Use. This coverage covers increases over your normal living costs if damage from a covered peril makes your house unfit to be occupied. For example, if your house was severely damaged by a hurricane and you were required to rent an apartment for 30 days while your home was being repaired, the condo rental should be covered by your homeowners insurance under loss of use.
WE’VE GOT YOUR BACK!
When your home and personal property has been damaged in a named Hurricane or other severe storms, there are few more difficult or stressful times in your life. Your life becomes disrupted and temporarily you may not be able to live in your home. The insurance company may have an experienced claims adjuster or an expensive attorney on their side. They might try to lowball your losses and hope that you will quit fighting and accept less than you are entitled.
Todd C. Passman, P.A. handles Hurricane and Storm Damage Homeowners Insurance Claim cases serving Fort Pierce, Port St. Lucie, Vero Beach, Stuart, and Okeechobee, Florida, and surrounding areas.