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Property Damage In Florida

From hurricanes, fire, hail, and broken pipes, to theft, sinkhole activity, lightning, earth vibration, vandalism, tornadoes, explosions, and many other causes of property damage, policyholders turn to their insurance company for help after they suffer a loss.  

If your property is damaged, promptly notify your insurer.  Next, locate your insurance policy.  If you cannot find it, contact your insurance agent or broker immediately.  Insurance agents and brokers typically only provide their customers a copy of the declarations page and/or an abbreviated version of the policy at the time of purchase; so make sure that you request a full and complete copy of the policy, the declarations page, and any endorsements to the policy.  Your policy contains valuable information like who is/are the named insured(s), the names of any additional insureds, policy limits for each coverage, definitions of words and phrases used throughout the policy, the terms and conditions of the policy, your Duties After a Loss, the Loss Payment Provision, any endorsements that change the coverage in your policy, and a list of exceptions, exclusions, and limitations to coverage.

It is common practice in the claims department of an insurance company to immediately obtain a copy of a policyholder’s insurance policy from the underwriting department as soon as they receive notification of a new claim.  Prior to issuing their coverage decision, typically one of the very first things that they will do is review the policy in its entirety, including paying close attention to any exceptions, exclusions, and limitations to payment.    

If your insured property has been damaged and you have any questions, Kubiak Law Group, PLLC is here to help you. Call us today.