PICC Florida Blog - Page 3
Does Home or Homeowners Insurance Cover Structural Issues, Damage, or Defects?
When homeowners notice cracks in their foundation or other structural issues, one of the first questions they ask is: Does home or homeowners insurance cover structural issues, damage, or defects? This is a valid concern, as structural damage can result in expensive repairs and pose safety risks. In this article, we’ll explore how home insurance policies address these issues, what is typically covered, and what you need to do if you encounter structural problems in your home. Understanding Homeowners Insurance and Structural Issues Most homeowners insurance policies are designed to protect your home against specific types of damages, but when it comes to structural issues, there are a few things you need to understand. First, homeowners insurance typically covers “sudden and accidental” damage. This means that if a structural issue arises from a covered peril, like a fire or storm, your insurance may cover the cost of repairs. However, does home insurance cover structural issues that occur over time? Generally, no. Insurance companies...
Does Homeowners Insurance Cover Water Heater Woes? PICC Public Adjusters to the Rescue!
Let’s face it, dealing with a busted water heater is a major headache. It’s inconvenient, messy, and can lead to costly repairs. But hey, that’s why you have homeowners insurance, right? So, the million-dollar question is: does homeowners insurance cover water heater problems? Well, the answer isn’t always straightforward. It depends on the cause of the damage and the specifics of your policy. But don’t sweat it, we’re here to help you navigate the murky waters of insurance claims and get you the compensation you deserve. Water Heater Woes: Understanding What’s Covered and What’s Not Before we dive into the nitty-gritty, let’s get one thing straight. Homeowners insurance is designed to protect you from unexpected events, not routine maintenance or wear and tear. So, if your water heater conks out due to old age, you’re probably out of luck. But if it’s damaged by a covered peril, like a fire, lightning strike, or vandalism, then you’re likely in good hands. Does...
How to File a Claim with Insurance for Roof Damage
Filing an insurance claim for roof damage can be a daunting task. Whether your roof has been damaged by a storm, fallen tree, or gradual wear and tear, understanding the process and knowing how to navigate it can significantly impact the compensation you receive. In this comprehensive guide, we will walk you through the steps to file a claim with your insurance company for roof damage, helping you maximize your claim and ensure you get the compensation you deserve. Understanding Roof Damage and Insurance Coverage Before diving into how to file a claim with insurance for roof damage, it’s essential to understand what types of roof damage are typically covered by homeowners’ insurance policies. Generally, insurance covers sudden and accidental damage caused by events such as: However, insurance policies often exclude damage resulting from neglect, lack of maintenance, or general wear and tear. It’s crucial to review your policy and understand what is and isn’t covered before filing a claim....
