Does Weather Affect The Amount Of Claims Reported?

Weather conditions can impact the number of insurance claims reported to insurance companies, especially in South Florida and throughout the state.
 
Extreme weather events such as hurricanes, floods, wildfires, severe storms, and tornados can cause property damage.  Additionally, weather events like this also cause damage to vehicles, boats, and equipment.
 
Whether you own a commercial or residential property, certain insurance policies will not cover damage caused by weather events.
 
Types of Damage That May Not Be Covered
 

• Rain is often not a covered cause of loss.  If you have a roof leak that results in interior damage to your property, you may not be covered. 

 

• Some policies require that a wind or storm-created opening must first occur, causing damage to the exterior of the building and allowing the water to enter.

 

• Flood damage from rising water that enters your property from the exterior, no matter what the cause, is not covered in a property insurance policy.  You must have a separate flood insurance policy to be covered for flood damages.

Types of Damages That are CoveredDamage caused by hurricanes, hailstorms and tornados are generally covered in your property insurance policy, unless hurricane and wind are specifically excluded. There are separate hurricane and wind policies available in instances such as this.
 
A tornado or hailstorm can cause damage to your property as well as the vehicles you own, whereas a hurricane can lead to widespread property damage and flooding.

Know Your CoverageDuring periods of adverse weather conditions, Insurance Companies often see an increase in claims. 
 
Not all property damage results in a covered insurance claim, so it’s important to understand your insurance policy and know what is covered.
 
At Reliant Insurance Adjusters, we specialize in new, underpaid, old and denied claims, and are dedicated to providing you with our professionalism, knowledge and experience.
 
Contact us today to help you with your claim or for a free policy review.