Natural Disasters Covered by Homeowners Insurance

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Natural disasters are an unstoppable force that can destroy your property and leave your family at a tremendous loss. Without adequate homeowners insurance coverage, you may be left to single-handedly pick up the pieces of your home. 

The natural disasters commonly covered by a basic homeowners policy in Florida include: 

  • fire;
  • lightning;
  • windstorm;
  • hail;
  • explosion;
  • smoke;
  • the weight of snow/ice;
  • freezing; and
  • sinkholes or ground cover collapse. 

While snow, ice and freezing are usually not of much concern for many Floridians, it is a potential danger in northern Florida and the panhandle. 

Note that flooding and hurricanes are not included in that list. Most homeowners insurance policies require separate coverage known as flood insurance and hurricane insurance to handle damages from those types of natural disasters. Your Miami homeowners insurance attorney can help you determine whether your policy included this coverage if you are unsure in the wake of a disaster. 

The coverage for fire, lightning and windstorm are especially important to Florida homeowners. Florida, especially Central Florida, is known as the Lightning Capital of the United States and many homes and personal property are damaged each year by lightning. Florida’s summer storms and hurricane season make homeowners insurance an important part of protecting your family. 

Understanding homeowners insurance in Florida and how it can benefit your family’s security is important when purchasing a policy. There are many types of homeowners insurance policies and additional or optional coverage that need to be reviewed. A Miami homeowners insurance attorney can assist you in filing a homeowners insurance claim if you are the victim of a natural disaster. 

Getting the Help of a Miami Homeowners Insurance Attorney 

The Florida homeowners insurance attorney team at Falk & Falk Law Firm knows how important it is to you and your family to receive all the Florida homeowners insurance discounts you are eligible for. Our Florida homeowners insurance attorney team has experience in helping victims of natural disasters—and other homeowners nightmares—recover from their loss. 

An experienced attorney can help you to fight for the compensation that you need and navigate the tricky world of homeowners insurance. To help take the confusion out of the current laws regarding eligibility for Florida homeowners insurance discounts for hurricane safety, contact us today – 305-742-0878.