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By: HORIZON PUBLIC ADJUSTERS | Created 03/18/2020

The most important thing in a fire insurance claim is to make sure that everyone is safe and sound. Fires are extremely dangerous and destructive. In addition to the actual damage from the fire’s flames, smoke damage is very dangerous and damaging. The resulting fire damage must be professionally evaluated by an experienced public adjuster.

Did you know that in South Florida and other parts of the country most of the damages in insurance claims comes as a result of a fire are smoke damages? Smoke travels and penetrates throughout the A/C system and your air ducts travel throughout your entire property. Even though a fire may be contained to one small room, the smoke from that fire can damage an entire house. Smoke goes into the cavity of the drywall and is absorbed inside all wooden materials in your property as well as your clothing fabrics and personal item. Even after thorough cleaning and painting to your property, this still doesn’t get rid of the smoke damages.

By: JSF Insurance Agency Inc. | Created 10/30/2018

People look at homeowners insurance as an option, and in reality it should be a necessity. Homeowners insurance will not only leave you stress-free, it will save you money in the long-run. Having insurance for your home will essentially help prepare you for the unexpected.

Here are 4 benefits to having homeowners insurance:

Protect You From Natural Disasters:

Natural disasters occur all the time, and unfortunately you can’t control if it damages your home. With home insurance, you can protect your home from common disasters such as, tornadoes, floods, and fires. Homeowners insurance will pay for repairs and save you a lot of money.

Protect You From Theft:

There is no worst feeling than knowing that someone has broken into your home. Having homeowners insurance will help in these unsettling situations. Home insurance can cover the cost of damages to your home, as well as, theft of possessions.

Protects You Against Lawsuits:

Someone can get hurt on your property. In this instance, they could potentially sue. If something like this happens, you want to be prepared and the best way to do that is by having insurance. Homeowners insurance will protect you against lawsuits by paying for medical bills and paying attorney fees. This will save you a lot of stress and money.

Mortgage Requirement:

If you plan on taking out a mortgage loan, your lender will require that you buy a limited level of insurance in case of a hazard. This is because your house is the lender’s collateral.

Homeowners insurance is not an option, it is a necessity. Check the benefits!!

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