Unique Events That Your Homeowner’s Insurance Can Cover
Most property owners are aware of the obvious dangers that their Florida homeowners insurance policies intend to cover: fire, hurricanes, severe storms, vandalism, and other threats to one’s property. Look into the finer details, however, and you might be surprised at a number of other rare but equally serious issues that your insurance might cover.
Some unique circumstances that your homeowner’s insurance might cover include:
- Falling objects. When a tree limb falls onto a home or garage during a storm, that is normally a covered (and not shocking) event. When a meteorite hurtles down from space and crashes through a homeowner’s roof, that is a completely different story. Both events may be covered the same under your property insurance policy, though, assuming you took corrective measures afterward to cover the hole in your roof.
- Dog bites. When a homeowner’s dog bites someone on or near the property, the property owner’s insurer is usually required to foot the bill – with an average dog bite claim costing around $44,000. Thousands of dog bites occur on Florida properties each year, and insurers usually pay out unless the dog was on one of their (sometimes secret) banned breed lists. Insurers have grown notoriously intrusive about the types of dogs property owners have and will sometimes deny coverage simply because of a dog’s breed – even if it has no record of aggressive behavior.
- Damage from vehicles, aircrafts, and boats. It is rare but not unheard of for a car to skid off the road and into a person’s property or even their home. Similarly, plane crashes, helicopter crashes, boat crashes or falling debris from aircrafts can lead to property damage and a successful insurance claim. The increasing use of drones can also cause accidents and injuries that may be covered through your insurance policy.
- Injuries and accidents outside the home. It seems surprising, but sometimes an incident that occurs elsewhere – even if the homeowner was at fault – may be covered under a homeowner’s insurance policy. Many homeowners would not even think to check their property insurance policy for coverage in these situations, but the policy may cover even these external events.
- Riots and public disturbances. Another event that homeowners don’t ever think will happen in their neighborhood – especially to their property – is a public riot or other disturbance that leads to damage. Even if the protest is blocks away, electrical lines, gas lines, and other utilities can be damaged. These and other types of damage may be covered under your homeowner’s insurance policy.
Our Florida Property Damage Attorneys at Bundza & Rodriguez, P.A., Are Here to Help You Understand Your Insurance Policy and Enforce Your Rights
When a property owner takes out homeowner’s insurance, they expect damage from certain natural disasters and other events to be covered. They might not know about other unexpected issues that can also be covered under their policies. It is important not only to be aware of these covered items, but to speak up and enforce these terms of the policy when problems happen. The Daytona, Florida property damage insurance attorneys at Bundza & Rodriguez, P.A., will help you understand all terms of your policy and make your voice heard if the insurer tries to dismiss or downplay a claim. If you have any questions, call our Daytona law offices today at 386-252-5170, or schedule a consultation with our Daytona Beach property damage attorneys online.