Property Insurance Coverage Outside of Storm Damage in Fort Lauderdale
Storm damage is probably the top concern for homeowners in Fort Lauderdale. If you have property insurance, you probably had hurricanes in mind when you bought it. That said, it is important to remember that property insurance protects you against a range of additional “perils.” Contact an experienced property insurance lawyer in Fort Lauderdale if you’re having issues with your claim.
Property Insurance Protects You Against Personal Injury Lawsuits
One of the most important aspects of a typical property insurance policy is personal liability protection. This type of coverage protects you from lawsuits filed by people who become injured on your property. For example, someone might slip on a puddle while walking past your property on the sidewalk. In this situation, the victim could theoretically hold you personally liable for their injuries. However, your property insurance should step in and shield you from this type of lawsuit.
Liability protection also shields you against dog bite lawsuits. If your dog happens to bite someone (after jumping over your fenced yard, for example), they can potentially sue you. However, your property insurance coverage should once again cover the cost of the damages. Your coverage may even cover you for dog bites that occur outside of your property. As with all aspects of insurance, it’s important to check your specific policy to determine your coverage. Many people in Florida are now “downgrading” their insurance and going with the bare minimum due to rising premiums.
Property Insurance Protects You From Damage Caused by Criminals
Another “covered peril” in a typical property insurance policy is vandalism or theft. If a local teen scrawls graffiti over your garage door or throws a brick through your window, your home insurance should cover the cost of replacements or repairs. This could be particularly important if you live in a neighborhood with high levels of property crime.
Your property insurance also covers you against theft. Most items inside your home should be covered. If a thief breaks into your home and steals something expensive, your insurance company should provide the funds necessary to purchase a replacement of equal value.
Property Damage Protects You if You Damage Your Neighbor’s Property
Finally, property insurance in Florida should provide you with coverage if you accidentally damage your neighbor’s property. This is easier to do than many realize. For example, you might accidentally crash your lawnmower into their fence. After a backyard BBQ gone wrong, embers could drift onto your neighbor’s property and start a fire. These are only a few examples of when you might need this type of coverage.
Contact Our Fort Lauderdale Property Insurance Lawyers Today
At Fuxa & Tyler, our legal team is made up of a diverse combination of attorneys who are well-positioned to protect the legal rights and financial interests of policyholders. If your property insurance claim was denied, we can help. For a free consultation, please call us today at (954) 990-5251. With an office in Sunrise, we represent policyholders in Broward County and throughout the state of Florida.
Sources:
floir.gov/property-casualty/homeowners-insurance