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Living in Florida comes with perks like beautiful weather, close proximity to the ocean and great beaches. These very same perks, however, can become problems for Florida residents during hurricane season. Property insurance provides peace of mind after a disaster and can help repair damages to get the property back to its original state. Insurance policies vary, but below are common types of damages Floridians experience and should be covered in your insurance policy.

Common Types of Property Damage

  • Wind Damage: Tropical storms and hurricanes bring strong winds. 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 after plumbing failures. Most property insurance policies should cover against water damages.
  • Fire Damage: Fire damage can cause a lot of damage in a short amount of time, due to its ability to spread quickly.
  • Miscellaneous Damage: Other types of damage can be covered, though they are not typically as common. This includes falling trees, mold, lighting strike damage, sinkhole damage, termites and mildew.

Seeking Coverage After Property Damage

These causes of property damage can cause severe consequences to the property itself and can create additional issues for the property owner. A chain reaction of expenses can result from one property damage claim. For example, a homeowner suddenly might find him or herself unable to reside in the home. He or she must move quickly and cover any moving expenses. Insurance can provide additional coverage for these related expenses, but you’ll need to ask and confirm the policy provides for them.

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.

Contact a Personal Injury Lawyer

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. Despite Florida being the Sunshine State, its weather can produce 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 free consultation.

Image courtesy of Billy Berg