What are Common Reasons to File Property Insurance Claims?
Do you own a homeowners' policy that protects you against damages and destruction that could cause you expensive repairs? Are you protected from any unforeseen accidents or occurrences that could cause you costly replacements? To stay protected against damage that can be caused from weather or crime, you will want to be sure that you have an insurance policy protecting you and your investments. In the event that you have to file a property insurance claim, you will feel less overwhelmed because of this protection. As a property insurance claims attorney in Miami, FL, we help many policyholders get the settlements they deserve from their insurance companies after they have suffered from property damage. There are a number of reasons why you may have suffered enough damage to cause you to file an insurance claim.
Wind Damage
Wind can cause damages to the exterior of your home, especially when you live in hurricane-prone areas like that in South Florida. From blowing branches and trees onto your home and damaging your rooftop to breaking windows or ripping off your siding, there are many damages that can be done by heavy winds. Exterior wind damage accounts for about one-fourth of the insurance claims.
Unforeseen Accidents in The Home
The next biggest category is not related to weather, but instead related to accidents that can happen inside the home. This damage can be caused by issues with plumbing or electric. This can cause extensive water or fire damage that will require you to process an insurance claim with your homeowners' insurance company.
Hail Damage
Surprisingly, hail damage is another large category of property insurance claims causes. Hail typically damages roof structures on homes. This can cause homeowners to need an entirely new rooftop, which is an expensive repair. This means that you'll want to file an insurance claim to receive compensation that will help you pay for these expensive repairs or replacements to keep your home safe.
Other Weather Damage
Other weather-related damages also make up a bulk of insurance claims. Whenever heavy rains come into your area, they can cause flooding and water damage in your home. This can cause a loss of property, and it can require expensive restoration services. Snow and ice can also cause issues with rooftops and exterior features that will need to be replaced.
Theft or Burglary
Theft is another major cause of insurance claims. Whenever someone suffers from theft or burglary in their home or business, they may have lost thousands of dollars in precious belongings or technology. You'll want to file an insurance claims to receive compensation that will allow you to replace some of these items.
These are five of the most common reasons why policyholders may need to file a property insurance claim to receive compensation for their damages. If you have suffered from property damage and are having a difficult time working with your insurance company, you'll want to trust our property insurance claims attorney in Miami, FL to assist you. Contact us to hear how we can advocate for you to get you the settlement you deserve.