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What You Need to Know about Florida Homeowner Insurance

December 30, 2022 by in General

Homeowner Insurance in Florida

Are you a first-time homebuyer feeling in over your head? Is it time to renew your insurance but you’re unsure of where to start? You’ll need to familiarize yourself with Florida homeowner insurance then. This type of insurance is vital in the preservation of your home. Roof insurance and other facets of your home are protected in case of losses and damages. These losses/damages can stem from a variety of situations such as age, weather, and injury related situations.

Protecting your property will make you feel more at ease while having a defense if something were to happen. Defense is the key purpose of insurance. What it does is protect you when things tend to get out of control. If you’re unsure about where to turn, contact the professionals at Lacey Lyons Rezanka. You’ll find their expertise is what you deserve when it comes to protecting yourself from major insurance companies.

Losses to Your Property

Life happens, like it or not. Situations such as storms, fire, theft, pet behaviors, and other such events can happen in a moment’s notice,you’ll need something that will protect you from them when the worst happens.

There are many questions that you’ll have to ask yourself before purchasing a policy.

Doing research, locally and over the Internet, is a key way of having your inquiry answered.

How much home insurance should you purchase?

How much Florida homeowner insurance you’ll need all depends on a few factors. The size of your home/property is a good starting point. You wouldn’t need a large policy if you plan on purchasing a smaller dwelling. Purchasing a condo, cottage, or one bedroom home is quite different, insurance wise, than with bigger builds.

The first thing to do is have your home assessed. A home assessment expert will be able to tell you where you stand when it comes to buying a policy. You’re also going to have to take inventory of your belongings.

Taking Inventory

In order to have your losses covered, should a catastrophe occur; you’ll need to take inventory. Many insurance companies require an itemized list. Everything from your vehicles to your television(s) need to be on this list.

What happens next is you open a claim in which an insurance company will look into. They will investigate the matter to see if the items you are claiming actually are at a loss or damaged. This is why a detailed list would be helpful in the matter.

A Home’s Exterior

Not only does Florida homeowner insurance cover what’s on the inside of your home but also the exterior as well. Facets of your home’s exterior such as the roof are vital in keeping covered in case of a loss/damage.

Storms play a major role in the state of Florida. Most of us would agree with that. The longer you live here, the more apt you are to live through major storms. Strong storms can produce heavy winds and rain that can take a roof right off or blow your shingles off making them no longer useful. This is when Florida roof insurance comes in handy.

As a homeowner, it’s your duty to have homeowner insurance that will help repair or replace your roof should such inclement weather occur.

Florida Homeowner Insurance Legal Representation

You may be wondering why you would need legal representation in regards to property insurance. An insurance company’s purpose is to provide the homeowner with adequate insurance. This may not always be the case as what was covered in the policy a year ago is not the same coverage down the road.

Should any of these situations occur, it’s important to have good legal representation. In many instances, Florida roof insurance companies will try to settle your claim for less than you are owed. The attorneys at Lacey Lyons Rezanka founded the firm with a concentrated purpose: build long-term and mutually successful relationships utilizing a proven client-centered approach. This is based on three key principles: trust, excellence, and professional ethics. Our attorneys’ legal experience spans many years and multiple areas of expertise. Call 321-608-0890 to schedule a consultation today!

This is just one instance of where you would need legal representation. Every year, hundreds of homeowners submit property claims to their insurance companies. This doesn’t always mean a check to follow. If you want a law firm, who will fight for your rights when it comes to homeowner insurance, contact the experienced team at Lacey Lyons Rezanka.

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