5 Common Claims on Vero Beach Homeowners Insurance

5 Common Claims on Vero Beach Homeowners Insurance

You may be surprised of all that can happen in Vero Beach, Florida. Homeowner’s insurance claims happen all the time, and knowing some of the most common one can allow you to ensure that you are well protected on your homeowner’s insurance policy.

Lightning Strikes

Florida is one of the lightning capitals of the world, which means that it is very likely that lightning will strike somewhere near your home, it’s not directly at your home at one point in time or another. This can be a terrifying thought, and it can also cause a significant amount of damage.

Those who have had lightning strikes at their home have filed claims with their Vero Beach homeowners insurance, and they have likely been thankful that they have a policy in place. To ensure that you have the right coverage, you will want to read the fine print so that you don’t get any surprises when you go to file a claim yourself.

Wind Damage

Strong winds in Florida can do a significant amount of damage. It can blow debris into your windows, knock trees completely over, send shingles flying off of your roof, and much more. This is why you are always advised to bring in any kind of lawn ornaments into your home when there is a big storm. Otherwise, the wind may be strong enough to lift these items up and cause damage to your home or the homes around you.

Broken Window

A broken window is another one of the most common claims. This may be as a result of a storm or because of carelessness of a neighbor. For example, if a child is playing in their backyard with the baseball and a baseball bat, the baseball may come flying through your window. Suddenly, it’s broken – but your homeowners insurance may cover the cost for replacement window.

Theft

Unfortunately, break-ins happen, even in Vero Beach. If someone breaks into your home and steals property, you want to be able to file a claim – and many people throughout the area have done this exact thing. It’s better to have a policy so that you aren’t replacing everything out of pocket.

Damage to Car

Your car sits on your property, and therefore if it is damaged, you may be able to file a claim with your homeowners insurance as opposed to your auto insurance. This is when you want to make sure that you have sufficient coverage on your policy so that you are always well protected.

Understanding more about the common claims on Vero Beach homeowners insurance can make it easier to get the protection that you need. You can work with an independent insurance agent in order to learn about coverage options and build the policy that works best for you and your home.