Gold Coast Licensed Public Adjusters in Fort Lauderdale: Fire, Water, Wind, Hurricane, Business, and Residential Insurance Claims for Broward and Palm Beach counties

insurance-claim

Types of Insurance Claims

Individuals avail insurance for a variety of reasons: calamities, illnesses, property damage, and so on. However, insurance coverage can be taxing, especially if you don’t know the types of insurance claims you can file.

Also, the lack of knowledge of insurance claims may cause insurance companies to mistreat you or give you a payout smaller than what you deserve.

So to help you understand the types of insurance policies, here are five of the common choices you should know:

Car insurance claims

If you own a car or drives one, it’s imperative to have automotive insurance coverage. This may or may not cover vehicle damage, repairs, accident-related injuries, loss of vehicle, and other related condition

Homeowner insurance claims

Homeowner insurance is one of the most common insurance claims. The coverage may or may not include damage by natural disasters, wildfire, wind, theft, vandalism, and more. Moreover, the coverage will depend on what you’re willing to pay for.

Health insurance claims

In the event of an accident or illness, this type of claim will help pay for your medical bills. The monthly fees could be higher if the person has a higher risk of getting hospitalized or figuring in an accident. Make sure that the policy has clear inclusions.

Natural disaster claims

This type of claim covers tornadoes, windstorms, hurricanes, earthquakes, and other natural calamities. However, most policies won’t include storm surge and flooding. The payment for this claim will include repairs and replacements to bring back the condition of the property before the calamity struck.

General claims

This type of insurance claim is varying in scope and prone to misinterpretations. The scope of coverage depends on what the individual requested from the insurer which will also affect the cost of monthly premiums. When it comes to general claims, the help of a public adjuster is almost imperative.