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Property Claim Policies

Mar 2, 2023

When an insured experiences damage to their property, they file an insurance claim to receive reimbursement for the losses they’ve incurred. However, insurance policies differ in the type of coverage they provide and the conditions under which they pay out claims.

Here are a few of the different property claim policies:

Homeowner’s Insurance Policy: A homeowner’s insurance policy provides coverage for losses to an individual’s home and personal property. This policy typically covers damage caused by weather events such as wind, hail, or lightning, as well as theft or vandalism. Homeowner’s insurance policies also include liability coverage, which protects the homeowner if someone is injured on the property.

Renter’s Insurance Policy: A renter’s insurance policy provides coverage for losses to an individual’s personal property. This policy typically covers damage caused by weather events such as wind, hail, or lightning, as well as theft or vandalism. Renter’s insurance policies also include liability coverage, which protects the renter if someone is injured in their rental property. Keep in mind, if you are renting, you do not have homeowner’s insurance. Only the person or company that owns the home can buy homeowners insurance.

Condo Insurance Policy: A condo insurance policy provides coverage for losses to an individual’s personal property and the interior of their unit. This policy typically covers damage caused by weather events such as wind, hail, or lightning, as well as theft or vandalism. Condo insurance policies also include liability coverage, which protects the owner if someone is injured in their condo unit.

Flood Insurance Policy: A flood insurance policy provides coverage for losses related to flooding. This policy typically covers damage caused by rising water from a natural source such as a river, lake, or ocean. Flood insurance policies are not included in standard homeowners, renters, or condo insurance policies and must be purchased separately.

Insurance policies differ in the type of coverage they provide and the conditions under which they pay out claims. When it comes time for claims, policies and language can be complex, so contact the experienced attorneys at Insurance Litigation Group for a free policy claim review. For all of your property claim needs, we fight for you!

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We are a client-focused law firm that fights aggressively on behalf of residential and commercial policyholders, contractors, restoration and mitigation companies, to produce maximum recovery results from insurance companies through our unique expertise, deep understanding of insurance law, cutting edge technology and proactive approach to litigation.

Insurance Litigation Group serves clients across the state of Florida. With over 5 offices statewide, our attorneys have the knowledge, skills and experience to resolve your dispute against the insurance company.

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1500 NE 162nd St
North Miami Beach 33162

786.529.0090

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20 North Orange Ave
11th Floor Suite 1100
Orlando, FL 32801

405.564.8555

Pensacola*

225 N Pace Blvd.
Pensacola, FL 32505

850.919.4357

Naples*

5660 Strand St, #315
Naples, FL 34110

239.237.1818

Fort Pierce*

130 S Indian River Dr
Suite 202
Fort Pierce, FL 34950

772.248.4050

By Appointment Only*

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Contact us today about your situation so we can fight to get you paid. We can assist you in any coverage dispute, disagreement over liability or damages, or related matter.

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