Things Your Home Insurance May Not Cover

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THINGS YOUR HOME INSURANCE MAY NOT COVER
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THINGS YOUR HOME INSURANCE MAY NOT COVER
Sometimes homeowners assume most things are
covered by their home insurance when in reality
they are not. Unexpected things can happen
anytime, therefore, its essential understanding
whats covered and whats not. Remember your home
insurance provides coverage for serious disasters
that may strike your property. Some other things
you will be left paying on your own. With the
assistance of a Miami insurance claims lawyer
chances are your home insurance needs are met and
you will get more compensation.
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Most Common Disasters Your Homeowners Insurance
Wont Cover Your Include
PET DAMAGE AND DOG ATTACKS When your pet damages
your personal property chances are you will have
to pay for these damages. However, when it comes
down to structural damage, these are generally
covered by your insurance company. In regards to
dog attacks, some aggressive breeds are generally
excluded or dogs that have bitten someone before,
even when their breed is not included in the
aggressive breed category. WILD ANIMALS These
are looked at just like pets, therefore, damage
caused by them will not be covered by your
insurance company.
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MOLD DAMAGE Mold Damage coverage is generally
limited or excluded. Some insurers may expand
coverage limits but you will have to pay more for
the insurance. CODE UPGRADES Remember your home
insurance pays to repair your house the way you
had it before. If you decide to do any upgrades
to your property after a covered peril, chances
are you are on your own. TERMITE
INFESTATION There is around 5 million calculated
in annual termite damage in United States.
Unfortunately, this is not covered by your home
insurance policies.
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CONSTRUCTION WORK DAMAGE Likewise, when
renovating your home, your insurance wont cover
damages done to your property during the
remodeling project. Make sure your contractor is
licensed and will cover any damages done to your
property. You can also ask your provider if there
is any separate policy available to cover any
potential damage. FLOODS Sometimes homeowners
think their insurance policy covers flood but it
doesnt. Its important you have a separate Flood
Insurance. EARTHQUAKES Damages caused by
earthquakes are not covered by the insurance
policy.
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POOL ACCIDENTS Although some policies may include
coverage for a pool, it may be good to purchase
additional coverage. Insurances report a huge
amount of drawings occurring in residential pools
which will eventually increase your liability
risk. FRIED ELECTRONICS Any electronics zapped
during power surge arent generally covered under
your insurance policy. If there is a faulty power
line, your utility provider is responsible for
it. Lighting strikes, on the other hand, is
covered. Natural disasters are inevitable in
South Florida. Its important to have a Miami
Insurance Attorney with depth of knowledge about
different insurance companies policies, coverage,
and things that may be excluded from your
coverage.
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KORIN LAW, P.A. CAN HELP
At Korin Law, P.A. They understand your
struggles. They explain your legal options and
take on the burden for you. Contact today and
schedule your free consultation with Jonathan
Korin. Phone [phone] Address 7900 Oak
Lane., Suite 400, Miami Lakes, FL 33016 Website
https//www.homeinsurancelawyer.com/contact-us/