{"id":1723,"date":"2022-11-16T04:00:14","date_gmt":"2022-11-16T09:00:14","guid":{"rendered":"https:\/\/www.policyadvocate.com\/?p=1723"},"modified":"2022-11-16T04:00:14","modified_gmt":"2022-11-16T09:00:14","slug":"when-does-the-insurance-company-consider-my-property-damage-insured","status":"publish","type":"post","link":"https:\/\/fire.h50.us\/~morganpolicy\/blog\/when-does-the-insurance-company-consider-my-property-damage-insured\/","title":{"rendered":"When Does the Insurance Companies Consider My Property Damage Insured?"},"content":{"rendered":"

At The Morgan Law Group P.A.<\/u><\/a>, our insurance claims attorneys\u00a0have successfully represented property owners throughout Florida<\/u><\/a>, Louisiana<\/u><\/a>, Mississippi<\/u>,\u00a0California<\/u><\/a>, and Puerto Rico<\/u><\/a>\u00a0after their homes<\/u><\/a>, condos<\/u><\/a>, and businesses<\/u><\/a>\u00a0sustained damages their insurance companies did not consider \u201ccovered\u201d in their policies.<\/p>\n

The reality is, property damage insurance policies are unique to the coverage \u2014 and property \u2014 the policyholder has signed up and paid for through their premiums. That differs for everyone.<\/p>\n

For some of our clients, based on where they live, hurricane<\/u><\/a>\u00a0insurance is a priority. To others, hard-to-come-by flood<\/u><\/a>\u00a0insurance is something they will never let lapse. For others, insurance that protects their businesses and inventories is a major factor in their policy agreements.<\/p>\n

For most, they simply want their property insurance to cover common damages like fires<\/u><\/a>, storm damage<\/u><\/a>, or personal injuries that occur on their premises.<\/p>\n

Here, we discuss insurable occurrences, and what they mean for your ability to file a claim.<\/p>\n

Insured Occurrences Depend on Your Insurance Coverage <\/b><\/strong><\/h2>\n

An insured occurrence is an event that results in damage to your property.<\/p>\n

However, depending on where you live, and what is listed as \u201ccovered\u201d in your insurance policy, your coverage may differ from another policyholder.<\/p>\n

For instance,\u00a0flood zones are designated by the Federal Emergency Management Agency<\/a><\/u>\u00a0(FEMA). Flood insurance is generally required in high-risk flood zones but not outside them. Yet, as much as a quarter of the flood insurance claims processed each year are for homes outside high-risk areas. If you do not have flood insurance, either as an insurance supplement or a standalone policy, your flood damages may not be covered.<\/p>\n

Likewise, hurricane insurance \u2014 which is a combination of flood and wind damage insurance \u2014 is not automatically included in homeowner\u2019s insurance policies, which means your standard coverage may not cover all potential hurricane damage.<\/p>\n

No matter what type of damage your home, condo, or business sustains, knowing what is included in your insurance policy is the first step in pursuing the best outcome for your claim.<\/p>\n

We can help.<\/p>\n

Contact Our Insurance Claims Attorneys Today to Discuss Your Claim During a Free Consultation<\/h2>\n

Contact<\/u><\/a>\u00a0our experienced\u00a0insurance claims attorneys in Florida<\/a>, Louisiana, Mississippi, California, or Puerto Rico by calling 888-904-2524<\/a> to schedule a free consultation and learn how we can help you understand your coverage details and pursue the outcome you deserve from your insurance policy without further delay.<\/p>\n","protected":false},"excerpt":{"rendered":"

At The Morgan Law Group P.A., our insurance claims attorneys\u00a0have successfully represented property owners throughout Florida, Louisiana, Mississippi,\u00a0California, and Puerto<\/p>\n","protected":false},"author":1,"featured_media":1796,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[17],"tags":[],"class_list":["post-1723","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-property-insurance"],"acf":[],"yoast_head":"\nWhen Does the Insurance Company Consider My Property Damage Insured?<\/title>\n<meta name=\"description\" content=\"Here, we discuss insurable occurrences, and what they mean for your ability to file a claim. 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