Often, homeowners insurance is seen as a necessity. However, it is also an extreme benefit. Understanding some of the insurance claims that Floridians make will help you to understand the importance.

ROOF DAMAGE

Roof damage happens across the state, and particularly along the Atlantic Coast. All it takes is a strong wind and shingles can go flying. Especially during Hurricane Season, it won’t matter if you have a new home or an old one, roof damage can take place. It’s not just missing shingles, either. Often, a tree or other debris crashes into the roof and extensive damage occurs.

Be sure that when you purchase homeowners insurance, roof damage is covered. You don’t want to have to take care of roofing repairs on your own.

BROKEN WINDOWS

Broken windows are a common claim with home insurance companies. Some of this has to do with storms. Debris from your yard or even someone else’s yard could easily become airborne during a major storm or hurricane. The moment it makes impact with your window, the pane is shattered. Some of it has to do with kids, break-ins, and other scenarios. Whatever the cause for a broken window, it’s much easier to file a claim with the insurance company than deal with it out of your own pocket.

INJURED PARTY

Claims regarding an injured party are also filed in Florida. It might be that a friend hurt themselves inside the home. It might also be a sales person, contractor, or other person who was at the home and hurt themselves on the property. It could be inside or outside. If it’s on the property, the homeowner is responsible.

Injured parties often end up legal expenses, medical bills, pain and suffering settlements, and much more. You don’t want to pay this out of pocket because it could be enough to bankrupt you. This is why it’s best to have the liability coverage within a home insurance policy.

FLOODING

Throughout various parts of Florida, flooding can be severe. This is especially true after rainstorms in areas where there is poor drainage. Not all home insurance policies offer flooding coverage, however. In some instances, this is something you have to purchase separately. It’s best to find out what is commonly filed in your area to determine if flood coverage is something that’s important.

There are plenty of other insurance claims that are filed in Florida every year. You never know what’s going to happen within your home. This is why you need to have a homeowner’s insurance policy that you can rely on. It will be much easier to call and file a claim with the insurance company than to try and deal with the repairs, replacements, or other expenses entirely on your own.