Ensure You’re Safe with Your Property Insurance

Can you remember how proud of yourself you felt when you bought your first home?

Or when you upgraded to a larger house?

But imagine how awful you’d feel if a disaster strikes and your property is destroyed either totally or partially – it doesn’t matter how little the damage; it can be soul-destroying – and costly.

So many of us are complacent when it comes to property insurance – we never really think we’re going to have to use it and make a claim.

Do you even know how to go about it?

There are many different types of property insurance.

You’ve probably been paying for property policies for a long time.

 If the worst happens and you need to make a claim, then the money you may have resented paying for insurance premiums over the years suddenly seems like a lifesaver.

But only if you go about claiming the right way.

You’ll want to ensure you get immediate action from your insurance company and claim adjusters, not excuses, and stall tactics, which is so often the case…

Depending on where you live, there are several different reasons why you might need to claim for property insurance.

Because property damage comes in many different shapes and sizes and different states have different rules concerning when to how and when to file for your claim.

It could be due to weather disasters such as tornadoes or hurricanes, which can completely wipe out your home in seconds.

Did you know that just in Alabama alone, there were 57 tornadoes in the first six months of 2019?

Not funny.

Wind, rain, flood, and hail are also common claims in many areas, which can cause heartbreak when it comes to your home.

Fire is another complete disaster.

However, you may need to may a different kind of property claim if a vehicle comes off-road and hits your car, home, lawn, or mailbox.

Perhaps your claim is due to structural damage, contents damage or equipment failure.

This damage created within or around your property could affect your own business; you could have ingress/egress disputes or inventory losses to claim.

Whatever the damage to your property, you are entitled to make a claim as long as you are adequately insured.

That’s why you paid for purchasing your policy in the first place.

It’s essential you know what kind of policy you have.

In some states, like Alabama, there are insurance exclusions that you possibly didn’t know about.

Perhaps you have an all-risk policy whereby everything is covered unless specified, or maybe you have a named perils’ policy, which means only named events in the policy are covered.

When making an insurance claim, you need to know how to avoid the insurance companies’ possible excuses, not to payout.

Loss adjusters may try to reduce the value of your claim by disputing the wording of your insurance policy may mean something contrary to what you initially expected.

You’ll need expert advice and guidance from legal experts who will work on your behalf to ensure you get the right amount of insurance payments you are entitled to.

Insurance yourself against disappointment and heartache – contact the best insurance dispute attorneys to help you claim what you deserve for that home you worked so hard for.

About RJ Frometa

Head Honcho, Editor in Chief and writer here on VENTS. I don't like walking on the beach, but I love playing the guitar and geeking out about music. I am also a movie maniac and 6 hours sleeper.

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