Getting the Most Out of Your Florida Homeowners Insurance

Things are looking grim for Florida Homeowners when it comes to upcoming insurance premiums. According to recent figures, Homeowners and Flood Insurance policies are expected to increase substantially over the next few years. One of the factors contributing to this is the increased need for Florida Insurance Adjusting, due to a large number of water damage claims. Of these claims, a significant percentage are suspected to be fraudulent, which not only increases the rates across the board for the state of Florida, but also makes insurance adjusting in Florida less friendly to the honest individual. With these increases lightening your wallet, there are some steps you should take to ensure that you are getting the most out of your insurance.

Shop Around

Don’t be afraid to shop those rates and don’t assume that because your insurance company once had the lowest rates for you that they always will. Especially now that you have to pay more out of pocket, make sure that you aren’t paying more than you need to. With both Homeowners and Flood policies, you have options. However, before switching companies, make sure you consult your agent. Your agent will help make sure that you aren’t losing any coverage if you do decide to change insurance companies. Florida insurance adjusting can only work to your benefit if you have sufficient coverage. Cutting coverages to cut costs can put you in a rough situation in the event of a claim. The biggest roadblock in the process is insufficient coverage.

Review Your Coverage

If the rate that you are currently paying is the best one out there, or you decide that you don’t want to shop, it is still beneficial to do a review of your current insurance policy. If you’re paying a higher insurance premium, but still do not have the coverage that you need, you’re throwing money down the drain. An example of this is being knowledgeable about the need for Flood Insurance. Insurance adjusting in Florida will only help you repair flood damage if you have Flood Insurance. If a hurricane hits Florida and causes flooding, your insurance company will deny any flood claim on your standard Homeowners Insurance policy. The process can put you financially back to the same place you were before the claim if your coverage matches your needs. Even if you don’t want to shop, make sure to talk to your agent about your coverages.

Contact a Public Adjuster in the Event of a Claim

After a claim occurs is when we step in. Now more than ever, it’s important to us that you are getting every penny you deserve in the event of a claim. Considering the increased rates that the insurance companies are charging, you deserve to get the coverage for which you’ve paid. If something happens to your home, contact us here at PICC first. With over 15 years of experience in insurance adjusting in Florida, we know the ins and outs of the claims process. We will represent you during the process to make sure you are getting a fair deal and that the payout you receive is sufficient to pay for the damage that your property has sustained. If you’d like us on your side for a property claim, give us a call at 305-956-3666

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