Property Damage in Florida

Property Damage in Florida
Living in Florida is a blessing. We enjoy beautiful weather, close proximity to the ocean, beautiful beaches, and more. These very same blessings, however, could become a problem for Florida residents. Florida is vulnerable to hurricanes, tropical storms, and all of the damages that can accompany those natural disasters. Property insurance is a necessity for everyone, but especially those in Florida. Having an insurance property provides the peace of mind that if there is a disaster, you can receive funds to help repair damages and get the property back to its original state. Insurance policies vary, but these are the common types of damages Florida residents experience and therefore should be included in the insurance policy.

Wind Damage

Tropical storms and hurricanes bring strong winds. Even the most structurally sound buildings can succumb to the elements if the wind amount is enough. Many of the property insurance claims in Florida are due to hurricanes, windstorms, tornadoes, or hailstorms. As such, most policies include protection from these, but you should check to make sure you know what your current policy covers.

Water Damage

Flooding is a serious concern following a hurricane, storm, or even just plumbing failures. Property insurance policies should cover against water damages. Although not as common, there can be freezing water issues.

Fire

Unrelated to weather, another common source of property damage to Florida buildings is fire. Even the smallest fire can have severe consequences. Fire does can do a lot of damage in a short amount of time, due to the ability for it to spread quickly.

Miscellaneous Damage

There are other types of damage that can be caused, but might not be as common. These include:
  • Falling trees
  • Mold
  • Lighting strike damage
  • Sinkhole damage
  • Termites
  • Mildew
These causes of property damage can cause severe consequences to the property itself, but can also cause other issue for the property owner. A homeowner suddenly might find him or herself unable to reside in the home and therefore must move quickly and cover expenses. Insurance can provide additional coverage for these related expenses, but you need to ask and make sure the policy provides for them. Damages and expenses resulting from them are not usually specific to just the initial act that caused the damages. A chain reaction of expenses can result from one property damage claim. Property damage can result in injury to a person, as well, not just to the property. Depending on the circumstances and cause of the property damage, an injured individual might be able to seek compensation through a personal injury suit in Florida. If you have been injured because of property damage, or your property has been damaged and you have questions about your insurance policy and coverage, contact the personal injury attorneys at Dennis Hernandez & Associates. We know that Florida is the beautiful Sunshine State, but can also produce some serious consequences to your person or property. Our attorneys will help you pursue the compensation you are entitled under the circumstances of your case. Contact us today for a consultation.

(image courtesy of Billy Berg)

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