Natural Disasters Not Included

Natural Disasters Not Included” means that the services provided by the Public Insurance Adjusters do not cover damages or losses caused by natural disasters such as earthquakes, hurricanes, floods, or wildfires. Their expertise lies in assisting clients with insurance claims for damages caused by other types of events, such as fire, theft, vandalism, or water damage.

Natural disasters refer to catastrophic events that occur due to natural causes such as severe weather conditions, geological activity, or other natural phenomena. Some examples of natural disasters include hurricanes, tornadoes, floods, earthquakes, wildfires, and volcanic eruptions. These events often cause significant damage to property and can be devastating for those affected.

However, when it comes to insurance coverage, natural disasters are typically covered under a separate policy or as a specific endorsement of the policy. This is because the risks and costs associated with natural disasters are generally much higher than those of other types of damages. Therefore, insurance companies may require separate coverage for these events and visit it

Public Insurance Adjusters, on the other hand, specialize in helping clients with insurance claims for damages caused by other events, such as fire, theft, vandalism, or water damage. These events are more common and may not require separate coverage in the insurance policy. Public Insurance Adjusters work to ensure that their clients receive the maximum payout for these types of damages, by reviewing the policy and negotiating with the insurance company on behalf of the client.

Congratulations! You’ve just purchased a home and you were smart enough to follow a checklist to do it right:

• Hired a professional to inspect the home – CHECK
• Made a bid and negotiated wisely – CHECK
• Obtained a mortgage at a great rate – CHECK
• Installed a security system – CHECK
• Bought homeowners insurance – CHECK
• Put new batteries in the smoke detectors – CHECK

All set, right? Almost.

Did you take the time to look over the specifics of your homeowner’s insurance policy? Most basic insurance coverage includes fire, theft, vandalism, frozen pipes, and so on. Unfortunately, they usually do not include coverage for natural disasters. A few of these costly disasters excluded from a basic homeowner’s policy are earthquakes, floods, and hurricanes, something you’ll want to be covered when living in a hurricane-prone environment like Florida. You might even have to purchase a separate policy altogether for hurricanes.

Read your policy carefully and purchase the additional coverage you need to make sure you’re fully protected!

Hopefully, you’ll never need to make a claim, but if the time comes you’ll be in a position to get what you’re entitled to recover from your claim.