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Jacksonville,FL – October 26,2023 – As Florida braces for the tail end of hurricane season,a new warning is being issued to homeowners: many are unaware of the limitations of their insurance policies,potentially facing important financial hardship after a storm. This comes after Hurricane Idalia caused widespread damage across North Florida in August,leaving many residents grappling with insurance claims.
Homeowners often assume their insurance will fully cover recovery from storm damage, but experts emphasize a critical lack of understanding regarding coverage details and post-storm responsibilities.
“Many policyholders don’t fully grasp the scope of their coverage, their obligations following a loss, and their rights when filing a claim,” explains Gina Clausen Lozier, a Jacksonville-based insurance attorney with the law firm Pajcic & Pajcic. “This lack of understanding can lead to denied claims and unexpected out-of-pocket expenses.”
The first step in preparedness is a thorough review of your policy documents. Standard homeowners’ insurance generally covers damage to the dwelling and other structures on the property, and also additional living expenses if the home becomes uninhabitable.
However, Lozier highlights a significant and often overlooked exclusion: “A standard homeowner’s policy does *not* cover flood damage. Flood insurance is a separate policy, typically obtained through the National Flood Insurance Program (NFIP) or a private insurer. This is a common misconception,especially for residents in areas like Jacksonville’s San Marco neighborhood,which experienced significant flooding during Hurricane Irma in 2017.”
Beyond coverage specifics, policyholders have crucial responsibilities after a storm. Prompt notification to the insurance company and meticulous documentation are essential.
“Document everything with photographs and detailed records. Full cooperation with the insurance company’s examination is also a fundamental duty after a loss,” Lozier advises.
Furthermore, homeowners should be aware of changes in dispute resolution processes. Increasingly, insurance policies are mandating arbitration rather than allowing policyholders to pursue claims in court.
“Many newer policies now require arbitration as the primary method for resolving disputes,a significant shift that frequently enough catches people off guard,” Lozier explains. “This means you may not have the option of a jury trial.”
Experts strongly recommend proactively reviewing your insurance policy *before* a storm threatens. Consulting with a trusted, independent insurance agent – such as those affiliated with the Independent Insurance Agents & Brokers of America (IIABA) – or a qualified insurance attorney can provide clarity and ensure adequate protection.The Florida Department of financial Services also offers resources to help consumers understand their insurance coverage at https://www.flofc.gov/.
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