When you buy your house, one of the first things you need to do is buy homeowner’s insurance. Your home is the biggest investment you’ll ever make. It’s important that you protect your investment. You’ll have to protect your house from all sorts of things in Florida, including:
- Fire – You could suffer any sort of fire such as an electrical fire. Or, your home may catch on fire as the result of a storm or lightning. When this happens, there’s a good chance that you’ll suffer thousands of dollars in damages. Your home could even be destroyed.
- Flood – If you live in a flood zone, you always have to be on the lookout for this kind of damage. All it takes is one strong flood to destroy your home. And, not only will your house be destroyed, but you’ll also suffer damage to your personal property.
- Hurricane – People in Florida are used to dealing with hurricanes. If your home is by a hurricane, you could suffer damage to your roof, windows or even your appliances. Your homeowner’s insurance should compensate you for these damages.
While these are the leading causes of property damage, your neighbor could also destroy your house by something they do. If this happens, you’ll have two options. You can file a claim against your own insurance policy. Or, you can pursue your neighbor’s insurance policy instead.
What if Your Claim is Denied?
If you file a claim against your neighbor’s homeowner’s policy, you have to prove that they were responsible for the damage to your home. This can be hard to do. If your claim is denied, it’s probably because the insurance adjustor doesn’t feel your neighbor caused the damages. If this is the case, you need to call and talk to a damage adjustor in Florida. They can review your claim and file an appeal on your behalf. They’ll work hard to make sure that, between the two policies, you don’t suffer any out of pocket expenses.
Contact a Skilled Hurricane Damage Adjustor in Florida Right Away
If your neighbor suffers damage to their house during a hurricane, it can cause a domino effect. You may end up with thousands of dollars of damage because of something that takes place with your neighbor’s home. If this is the case, call and talk to a hurricane damage adjustor in Florida right away.