Homeowners Insurance in Delray Beach, FL

Homeowners insurance is a crucial financial tool for any property owner in Florida. While the state does not require it, most lenders do if you have a mortgage. Many Floridians also carry coverage due to the state’s exposure to severe weather.

What Does Home Insurance Cover in Florida?

Standard homeowners policies in Florida typically include the following:

• Dwelling coverage may pay for repairs to your home’s structure after damage from covered events like wind or fire.
• Other structures coverage may help with financial losses involving additional buildings on your property, such as detached garages and sheds.
• Personal property coverage may help replace appliances, clothes, electronics and other belongings damaged or destroyed by fire and other covered events.
• Liability coverage may cover medical and legal expenses if you’re at fault for third-party injuries or property damage.
• Loss-of-use coverage may cover meals, hotel accommodations and other living expenses if you must vacate your home temporarily due to a covered event.

It’s important to note that flood damage is not included in standard home insurance policies. You’ll need separate flood insurance, often through the National Flood Insurance Program.

How To File a Claim in Florida

If your home is damaged due to a covered event, here’s how to start the claims process:

• Contact law enforcement (if applicable)—Call the authorities if a crime occurred, such as a burglary, as your insurer may require a copy of a police report.
• Document the damage—Take photos or videos of everything affected.
• Contact your insurer—Notify them as soon as possible. Most have 24/7 claims hotlines or online portals.
• Submit your claim—Provide details about the damage and any supporting documentation.
• Meet with the adjuster—Your insurer will send someone to inspect the damage and estimate repair costs.
• Review the settlement—Once approved, you’ll receive payment based on your policy terms.
• Start repairs—Use licensed contractors and keep receipts for all work done.

Explore Your Options

Contact The Chrispin Agency today to build your custom homeowners insurance policy. Our agents can review your situation and recommend appropriate coverage. Get a quote today!