Insurance Scams Hurricane Irma What to look out for

Hurricane Irma caused devastation in Florida and much more along the way. While we are still in recovery mode but at least just about everyone has their electricity back and are finding a way to return to a normal routine that Irma so fiercely disrupted. Once the storm is over its time to access the damages for your home and call your insurance company. Once an agent gives you an assessment of the damages and the money for repairs, your next step is just as important, finding someone to do the repairs.

Be Aware!! There are many scammers out there wanting your insurance money that you worked so hard by making monthly payments for. You want to make sure that the people who are going to repair say your roof does the job they are hired for and it will pass inspection.

See the following helpful articles to avoid being scammed.

Florida officials warn about insurance fraud after Irma

From Article – “If an offer sounds too good to be true, it probably is and could be fraud,” said state Chief Financial Officer Jimmy Patronis. “Opportunistic scammers may attempt to defraud Floridians following Hurricane Irma, and I encourage all Floridians to be vigilant in guarding against fraud. Consumers should report suspicious activity ASAP by calling 1-877-693-5236.”

FEMA warns of fraudsters, scams after Hurricane Irma

From article – “Instances of scams and fraud are common after major natural disasters as opportunists rush to capitalize on dire situations.”

How to protect yourself from hurricane repair scams

Advice from the Better Business Bureau – “If someone shows up at your house unannounced and claims to be an insurance adjuster, do not invite them into your home. Ask for company ID. If they don’t have any, ask them to leave your property and shut the door.” -Katherine Hutt, Better Business Bureau

Please contact us if you have any questions,

Buget Bi Rite Insurance, Inc

863-453-3909

 

 

 

Photo Courtesy of 12019 at Pixabay.com

 

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Why Additional Living Expenses on Homeowners Insurance Coverage is so Important

Should you be faced with a fire, or a devastating storm that destroys your home, you will not be enjoying the comforts of your home and you need to be prepared.

In your homeowners coverage you should not only be protected for your personal belongings but compensated for additional living expenses. While your house is being accessed, you may be in a hotel for a few days, need money for restaurants, clothing and other expenses that may occur.

You do not want to find out after the tragedy of damage or losing your home, that you are lacking coverage. You need to know what your limits or exclusions are ahead of time.

This is where your compensation for additional living expenses comes in. Some insurance companies may give you unlimited help with your expenses and others a percentage of your total homeowners coverage.

Not sure what exactly your coverage is? Call us today to get your questions answered. 863-453-3903 or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours.

We offer home insurance to the following states – Florida, Minnesota, Georgia, Texas, Maryland, South Carolina, North Carolina, Indiana and Pennsylvania.

 

 

 

 

 

 

 

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What Insurance Do You Need For A Houseboat

houseboatsHouse Boats can be quite luxurious with larger rooms for sleeping and dining as well more fully equipped kitchens. Want to put a big screen TV in the living area, that can be accommodated as well.

If you love the water and like to travel there are popular spots to dock your home while you enjoy a new exciting place and people. House boats are bulky and move at a slower pace then most boats and learning to navigate these homes is essential as accidents can happen, causing damage to both property and individuals.

Whether you are looking to buy or already own a houseboat, just like owning a home on land, home insurance is required and necessary. You are making an investment on your houseboat and you want to be sure that your covered for any possibility of damage, sinking and your personal finances.

Check to see what your houseboat is classified under. Many insurance companies have them under the same classification as pleasure boats, ski boats, sail boats, cabin cruisers and more. When your houseboat is taken under consideration for a policy, the insurance company may look at the size, age of houseboat, type and how much horsepower it has. Houseboats used in rivers of lakes may have different coverage then those used in the ocean or hurricane prone areas.

Insurance coverage can also be taken out for vandalism, storm damage, fire, theft, capsizing, living expenses for under repair and more. Another important option would be pollution coverage if case your boat leaks oil or fuel. Cleaning up after an accident or leak from a houseboat can be quite costly.

Houseboats can be enjoyed for many years with the proper upkeep and if the owner has the assurance of knowing that problems, if they arise, are covered.

 

Photo Courtesy of Pixabay.com