Know What Your Homeowners Insurance Covers

GavelIf you live in Florida, you are sure to understand the various dangers that could affect your home. This is why homeowners insurance is offered. However, not everyone knows what their policy covers and from which situations they are protected. At Robert Sparks Attorneys, our Tampa insurance claim lawyers want to make sure you know what to look for to keep you, your family, and your property protected whenever something goes wrong.

Different Policies

Before you begin looking for homeowners insurance, you should know what coverages to include in your policy. Different coverages allow you to protect certain aspects when your home or the people inside are harmed due to disasters. You can select coverages that protect your house, other structures on the property, personal belongings inside the home, loss of use, personal liability protection, medical payments, and more.

What Damages Are Covered?

Look at your insurance policy to determine exactly what is covered and from what you are protected. This can include natural disasters such as wind, lightening, fire, hail, flood, and earthquake. Your policy should inform you which of these disasters are covered and for which damages you can file a claim. For instance, you may be covered under damage to your home and you may receive compensation to cover the costs of repairs, but if the type of disaster isn’t covered, you may not qualify.

Bad Faith Insurance

It’s an unfortunate situation, but there are times when insurance companies may try to deny liability or dispute the severity of damages. If you have a valid claim, but the insurance company refuses to pay for the damage, or they offer an amount much lower than needed, it may be considered bad faith. This means they are wrongfully denying your coverage.

Our team at Robert Sparks Attorneys is determined to make sure people receive the coverage for which they pay. If you have been wrongfully denied an insurance claim, call our firm and we’ll discuss how we may be able to help you.