The Importance of Reviewing Homeowners Insurance After Hurricane Season

After hurricane season is over, it is the best time to start exploring homeowners insurance in Florida. This will allow you to determine whether you have the right coverage, as well as if you are with the best insurance company.

Consider Damage

Did you experience any kind of damage to your home in Florida? You may have dealt with broken windows, ripped screens, missing roof shingles, and much more.

All sorts of things can happen during a hurricane. You look toward your homeowners insurance to remedy everything so that you don't have to pay out-of-pocket. While you have a deductible, that should be the only expense that you incur.

If you had to make repairs that the homeowners insurance company didn't take care of, you may want to consider exploring additional coverage. This way, come hurricane season next year, if your home experiences damage, you may not be responsible for the financial aspect. You can simply file a claim and know that it will be taken care of.

Review Claim Process

If you had to file a claim after hurricane season, you can review the process. How easy was it? Did the company completed a full investigation? Did they deny your claim in any capacity? How fast did you receive the money for the repairs? The claim process should be extremely simple.

If there were any complications, you may want to consider looking at a different insurance company – one that has a reputation for handling claims faster and more efficiently.

Take a Look at Cost of Premiums

You need to look at the cost of premiums as well. If you are spending a small fortune on your homeowner’s insurance premiums in Florida, you may want to consider working with another company. It’s always a good idea to get quotes so that you can compare between the different companies.

Particularly if you did file a claim and the company is going to raise your premium, it may be time to try and find a company that is known for being more affordable.

Hurricane season varies from year-to-year. Although it lasts for almost six months, you never know when it’s going to be an issue for you. Many people throughout South Florida have lived through at least one hurricane and can attest to the fact that hurricane create a significant amount of damage. Even a category one has the ability to generate a detrimental amount of wind. With the rain and debris, and your home may suffer serious damage.

If you take the time to review your homeowners insurance after hurricane season, it gives you the chance to look at your premium, and how the insurance company is going to treat you in the event something happens.