Miramar Claims Adjuster

Broward County Claims

Property insurance covers most sudden, accidental damage to your home and its content. This includes damage that is the result of storms, hurricanes, fires, and mold. It is probably the most comprehensive form of coverage and one that most homeowners must have to get a mortgage loan. However, these policies can be a bit confusing when it comes to water damage, especially if you live in Florida.

Because the Southern part of the state has a tropical monsoon climate, it gets a lot of rain during the wet season, which typically lasts from May to October. This coincides with hurricane season, where residents annually brace for around a dozen tropical storms each year. On occasion, these storms become hurricanes and wreak havoc throughout the region. The last major one to strike the area – Hurricane Wilma (2005)- caused over 20 billion dollars in damages.

A major city in Broward County, Miramar was hit hard by the aforementioned storm. Even police headquarters was damaged beyond repair. The city spent over five years fighting with insurance companies and with FEMA over who should pay to replace the old building. They finally threw in the towel and agree to foot the bill last year. Our point? Dealing with insurance companies when it comes to water damage is complicated.

As a general rule, property insurance should cover damage that is a direct result of a storm. If a tree falls on your home or flying debris breaks your windows, your insurance provider must pay for repairs. But if a nearby lake or stream overflows and causes flooding, they may not be responsible. Confusing? We know!

You see, in most parts of the country, flood insurance has to be purchased separately. But not in some sections of Broward Country. Because the area is prone to flooding, insurance companies are now required to cover flood damage based on risk data compiled by the Federal Emergency Management Agency (FEMA).

If you live in Miramar and are uncertain if flood damage is covered under your current policy, dial  1-855-321-LOSS (5677).

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