Hurricane season starts at the same time every year, with some years going by without a storm, and others with storms like Sandy and Katrina. You can never tell what a hurricane season is going to bring, and that can create some tension. Paying high premiums for the possibility of there being a storm can be a pain, but when that monster hurricane comes straight for your building, you’ll be glad that you invested in your insurance. Here are some questions to ask your Public Adjuster at the start of every hurricane season, just to make sure that your home or business is covered in the event of a storm.
One of the most important questions that you could possibly ask your insurance adjuster is if you have enough coverage. Insurance companies oftentimes try to wiggle their way out of paying for claims, so calling your public insurance adjuster and finding out exactly what your policy covers is important. Documenting all of your possessions and your home’s condition would also be beneficial in the long run.
Another crucial question to ask is whether or not you have flood insurance. Most homeowner’s insurance policies do not include flood insurance, and this can come as a surprise to most. But it is better for it to come as a surprise before a big storm, rather than after. Flood insurance policies have a 30 day waiting period, so it is important to plan ahead and invest in a flood policy before it is too late. In the case of flooding, it is much better to be safe than sorry.
It is also good to know what your policy’s hurricane deductible is. These can ‘shock’ people because they typically are not like other deductibles. Other deductibles are usually a dollar amount that is set in stone, whereas a hurricane deductible can be a percentage of the amount that your home is insured for. It is a good idea to have an overall idea of what you could potentially be paying if a hurricane were to destroy your home. Being blindsided with an exorbitant bill in the middle of tragedy is not something that anyone should ever have to go through.
Because public insurance adjusters are so familiar with the insurance claim process, they can answer these common questions and more regarding your homeowner’s insurance policy or commercial building insurance. The public adjusters of Advocate Claims have been assisting home and business owners for over 10 years. Call Advocate Claims today at 1-954-369-0573 or contact us online to learn more about your insurance policy and how we can help you during the insurance claim process!