Making sure your home is properly insured is vital when living in Florida. Floridians have become complacent because of the decade-long hurricane draught, but it is essential to make sure your property is fully covered before hurricane season.
It is important to read over your insurance policy and have annual conversations with insurance professionals in order to make sure that your policy will provide adequate coverage. You want to make sure that you have enough coverage to rebuild your home if it is completely destroyed. This is especially important if any major improvements have been done to your home such as minor upgrades or even a full- scale remodel; your insurance company needs to know about it. At times, an additional premium is required in order to have the ability to get back the post-remodeled version of your home. Taking inventory of all your possessions will also streamline the claim process in the event of any disaster. Insurance companies recommend that everything be included in these inventories such as furniture, electronics, personal property and any other valuables in your home.
Renters are also encouraged to buy property insurance because most times, landlords only pay for structural damage to the buildings and not damages to personal property. In these cases, taking proper inventory is key when getting full coverage for items. The attorneys at The Mineo Salcedo Law Firm can help you determine what kind of coverage is right for you. Our team has years of experience in dealing with insurance policies and will be able to determine if you will be protected in the event of a disaster.