Nobody wants to use their home insurance. Unfortunately, disasters can happen to all of us. You may find yourself contacting your insurance company to find out whether or not to file a claim, or if the damages are covered.

If an incident has occurred and you don’t think you need to call your insurer, it’s still advised to do so. If the incident turns into a claim, it’s better to start the repair, remediation, and recovery process as quickly as possible.

Here are some common reasons to contact our homeowner’s insurance company in Boca Raton.

Flood damage 

In the U.S., flood damage is the most common occurrence after a natural disaster. Florida residents are even more prone to experience flood damage due to tropical storms and hurricane season.

Unfortunately, many insurers don’t cover flood damage. At All Risk Insurance Group, we’ll find a plan to protect you against flood damage – give us a call to cover your damaged property and personal belongings in the event of flooding.

Fire Damage 

We all see on the news that fire damage is becoming frequently more common in the west, particularly in dry states such as California. However, even in the tropical conditions of South Florida, homeowners can experience house fires. The most common causes of house fires include:

  • Overheated pots and pans while cooking
  • Smoking cigarettes indoors
  • Electrical equipment left on
  • Faulty wiring
  • Candles

There are many ways to prevent fires from starting in your home, like owning a fire extinguisher or a fire alarm that’s in good condition. Nevertheless, it’s still recommended that you have insurance to cover potential fire damages.

Contact our homeowners insurance company in Boca Raton to protect your most valuable investment.

Robbery and vandalism

If your home has been robbed or vandalized, the first thing you should do is call the police. Next, call our homeowners insurance company in Boca Raton to file a claim. You will be advised by one of our agents on how to properly document the damage and stolen or destroyed personal belongings.

In general, policies include property insurance coverage, which extends to damages caused by theft or robbery.

If you have questions about your home insurance, give us a call. With over a decade of experience, our agents can help you evaluate your needs and select an applicable coverage plan if your current plan isn’t the right fit.

Roof Damage 

During hurricane season, a category 1 hurricane can produce winds between 74-95 mph. If that’s not scary enough, a category 4 storm can produce winds between 130-156 mph. Anywhere a hurricane lands on that spectrum, Florida residents will experience severe winds that can cause major damage to their property.

Best case scenario, the damage won’t go beyond peeled or missing shingles and granule loss. More severe damage can come in the form of structural deterioration that leads to indoor leaks.

Worst case scenario?

You guessed it: heavy tree limbs can fall on your roof.

The good news is, most insurers cover damages caused by fallen tree limbs. To avoid damages in the future, it’s recommended that you take preventative measures to keep your home safe, such as cutting down tree limbs.

Home Renovations 

Few homeowners think to contact their insurance company when performing renovations, but they should. Some renovations, like roof replacements, can help you save money on premiums. Other renovations won’t affect your insurance policy at all.

Unfortunately, there are some renovations that can increase your insurance costs. These include:

  • Adding a pool
  • Building a home office
  • Renovating your kitchen or bathroom
  • Adding space, like an additional room

No matter what type of home renovation you’re thinking of doing, you should contact our homeowners insurance company in Boca Raton.

Why All Risk Insurance Group

We are a full-service independent agency that has provided high-quality personal, commercial, auto, and marine insurance products since 2006. We are currently one of the fastest-growing independent agencies servicing Florida.

With so many options when choosing your plan, it’s common to have questions regarding home insurance coverage. Our agents have the answers. Some Florida homeowners insurance companies we represent are Avatar, AIG, and Lexington.

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