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Once you’ve totaled everything up, you expect your insurer to honor all the terms of your policy. After all, you’ve diligently paid your premiums since you’ve owned your house. So, it may come as a shock when the insurance company offers you far less than you expected and what you need to accomplish all the repairs and replace furniture, clothing, utensils, appliances and other assets.
Your deductible is the amount of money you have to pay before your claim is settled. When you purchased your homeowner’s insurance, you decided how much that deductible would be. Generally, it’s based on what you think you can afford.
While we all buy homeowner’s insurance to protect us from losses and damages to our residence and the assets it contains, it’s also true that insurance companies are for-profit businesses.
Homeowners insurance is something we don’t want to think about, even though we know we need it to protect our house, our belongings, and ultimately, our family. In Florida, where hurricanes and lightning strikes are a constant threat, it’s essential to have the right amount of coverage so that when we need to make a claim, our coverage will meet our needs.
If your claim is denied on the grounds of pre-existing conditions, you have the option of appealing the claim. Also, sometimes claims are partially denied, in which case your insurance company may pay for some damage, but not the part they conclude existed previously.
Having property insurance for your home is an important part of protecting your family and loved ones in case of an emergency or disaster. It is especially important in states prone to natural disasters like tropical storms and hurricanes, such as Florida.