Filing a claim for wind damage can be confusing and seem a daunting task. There are facts that you should know about wind damage insurance claims before you file. Read on to learn everything you need to know about wind damage insurance claims in Orlando.
Wind and Hail Cause the Most Property Damage in the US
These winds may be caused by hurricanes and tropical storms, but they can also come about from a cold front or a convective storm. Hurricanes and tropical storms are common in Florida due to the tropical climate and the proximity to the ocean.
Damages in Florida for insured catastrophic loss make up 13% of the total claims since the 1980s. Due to the presence of these storms in Florida, the damage in our state from wind is more dramatic than other parts of the country.
Check to See Whether Wind Insurance Is Required
While windstorm damage is not required by Florida law, you may still need it for your mortgage lender. In some cases, your Floridian home insurance may require a separate deductible for wind damage that comes from specific storms that are designated by the National Weather Service, and those deductibles cover wind specifically and not other elements of storm damage. You should also keep in mind that insurance rates may be more expensive if you live near the coast.
Understand the Different Types of Wind Coverage
The types of wind damage covered by most homeowners’ policies are usually only minor or moderate types of wind damage. However, extraordinary damage caused by large storms may be added beyond the required policies as an optional rider.
A Little Help Can Go a Long Way When It Comes to Wind Damage Insurance Claims in Orlando
Since a huge portion of catastrophic insurance claims are paid out in Florida, insurance companies try to save as much money as possible by paying out as little as possible. So, the amount of money you receive from your claim may be less than you expect. This is why it’s a good idea to consult with an insurance adjuster before filing any type of homeowner’s claim.
Need Help With Your Wind Damage Insurance Claims in Orlando? If You Want the Top Dollar Quickly, Hire Davis & Associates!
For help maximizing your payout after wind damage insurance claims in Orlando, turn to our experienced team! Book your appointment with us by calling us at 954-709-3982 today, so you can have your claim paid faster and for more money!
