Florida Public Adjusting Services

"We work for the Customer, NOT the Insurance Company"

We make sure that you, the policyholder, receive full and fair compensation for your insurance claim. We do this by working with you to document your damages, compile all the necessary paperwork, and negotiate with the insurance company on your behalf. Our Public Adjusters know the ins and outs of Florida insurance companies to get the money you deserve.

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Commonly overlooked homeowners insurance claims that are covered

Did you know that there are many insurance claims that are commonly overlooked by policyholders? The good news is that most of these claims are covered by your insurance policy. In this article, we will discuss five of the most commonly overlooked insurance claims.

1. Water damage claims

Water damage is one of the most common types of insurance claims.

However, many policyholders overlook this type of claim because they think that their insurance will not cover it.

The truth is that most insurance policies will cover water damage if it is caused by a sudden and accidental event.

For example, if your home floods due to a broken pipe, you should be covered by your insurance policy.

However, if the flooding is due to negligence on your part (e.g., you didn't properly maintain your pipes), then you may not be covered.

2. Wind damage claims

Wind damage is another common type of insurance claim that is often overlooked by policyholders.

For example, if your home is damaged by a high wind event like a hurricane or tornado, your insurance policy should cover the damage.

However, it's important to note that there are some caveats to this coverage.

First, you will likely only be covered for wind damage up to a certain amount specified in your policy.

Second, if you have a history of making claims related to wind damage, you may be considered a "high-risk" policyholder and could face higher premiums or even lose your coverage altogether.

 

3. Home business liability claims

If you run a small home business out of your house, it's important to consider the liability risks involved with operating this type of business. 

For example, if a customer is injured while on your property, you could be held liable for their medical expenses.

Fortunately, most homeowner's insurance policies will provide some coverage for home business liability claims.

However, it's important to check with your insurer to make sure that your policy covers this type of claim.

You may also need to purchase an additional insurance policy to get the full amount of coverage you need.

 

4. Personal injury claims

If you or someone in your family is injured due to the negligence of another person, you may be able to file a personal injury claim against them.

For example, if you are injured in a car accident caused by another driver, you may be able to file a personal injury claim against them.

Similarly, if you are injured by a defective product, you may be able to file a claim against the manufacturer of that product.

Most insurance policies will provide some coverage for personal injury claims.

However, it's important to check with your insurer to make sure that your policy covers this type of claim.

5. Pet damage claims

If you have a pet, it's important to be aware of the potential for damage that they can cause.

For example, if your dog bites someone, you could be held liable for their medical expenses.

Fortunately, most homeowner's insurance policies will provide some coverage for pet damage claims.

However, it's important to make sure that your insurer is fully aware of any pets you have in your home, as this could impact your coverage.

Overall, it's important to be aware of all the different types of insurance claims that may be covered by your insurance policy, so that you can get the full amount of protection you need.

If you have any questions about your insurance coverage, or if you need help filing a claim, contact HomeSafeClaims Florida Public Adjusters