Hurricane Season & Travel Insurance

The number one concern of summer travelers researching travel insurance is how their trip will be affected by hurricanes or other severe weather events. When traveling during the Atlantic hurricane season, June 1st to November 30th, you must plan for unexpected weather patterns. It is best to purchase a travel insurance plan as soon as you place your first payment on your trip to avoid loss of coverage due to a predicted storm. Basically, you need to buy your plan before a hurricane or tropical storm is predicted to affect your travel plans.

 

If you read nothing else in this article, although all of it is important and we highly recommend you do, know this: purchasing your travel insurance plan prior to a storm being named should provide you coverage for travel concerns that arise due to that storm. If a hurricane or tropical storm that affects your trip is predicted prior to you purchasing a plan, your coverage may be extremely limited.

Hurricane Travel Insurance: How to Decide If it’s Important

You are probably thinking to yourself, “Sure, bad weather affects travel plans. But do I really need to invest in a travel insurance plan?” While we can’t answer that question for you, we can set you up with the right tools. We recommend purchasing a comprehensive travel insurance plan if you can answer ‘yes’ to any of the following questions:

Are you planning to travel between June 1 and November 30?
This is the “hurricane season” in the Atlantic region. If you are traveling at all during these days (even just returning from a trip in early June), we highly recommend you purchase a plan. It can help to reimburse additional expenses, up to the policy limit, for an extended stay due to grounded flights or an interrupted trip due to damage of your primary residence.

Are you traveling to or through any destination on the East Coast of the United States, or in the Atlantic region?
The Atlantic region (or East Coast of the United States or the Caribbean) is the prime area for hurricanes. The most impactful hurricanes in the last decade hit the mid-Atlantic region of the United States east coast, the Texas, Florida, Alabama and Louisiana coastlines; twice.

Do you live anywhere on the East Coast of the U.S. or in the Atlantic Region?
If you live in an area where hurricanes are known for tormenting, travel insurance can help you out – even if you are leaving the area entirely. If you are on a trip away from home when a hurricane hits and your primary residence is made uninhabitable, your plan may provide trip interruption coverage which may help to defray the cost of returning home and provide reimbursement for unused pre-paid, non-refundable trip costs.

Hurricane season is six months out of the calendar year. Six. That’s a large window of time that Mother Nature can wreak havoc on the travel industry. Depending on the travel investment you are making, you should consider purchasing a travel insurance plan if you answered yes to any of these questions. But how exactly does a travel insurance plan cover you if bad weather should occur?

Travel Insurance Coverage That Can Assist if a Hurricane Hits

Let’s go back to that fun fact we shared at the start of the article: purchasing your plan prior to a storm being named should provide you coverage for travel concerns that arise due to that storm.

It may seem like a small detail, but it will make or break the coverage available to you. If you wait to purchase a travel insurance plan until The Weather Channel is already warning the world about the latest hurricane on it’s way to the Caribbean Islands, you’re too late. However, if you purchased your travel insurance plan in a timely manner, you should expect a full suite of coverage as listed on your plan. Here are some reasons you may want to use your travel insurance coverage:

Airline or cruise line cancels or delays the trip due to weather: If your airline or cruise line cancels or delays your scheduled departure due to bad weather, you may be eligible for the trip cancellation, travel delay or trip interruption coverage on your plan. This can help to reimburse you for the unexpected, added expenses for being held in transit longer than expected. Depending on the plan, you may even be eligible for inconvenience benefits if there is a change to your itinerary.

Your destination is under a hurricane warning: Some travel insurance plans will have coverage that becomes eligible for reimbursement when a destination is under an NOAA-issued Hurricane warning or alert.* It’s important to know how detailed your travel insurance plan is in regards to specific hurricane warnings and coverage eligibility.

Accommodation cancels a reservation because of storm damage at destination: If a storm hits hard prior to your arrival date, a hotel, resort, or vacation rental may cancel your reservation because it’s devastated and made uninhabitable by a storm. Travel insurance plans typically provide coverage for this. A reimbursement for this can help if the accommodation you selected does not provide a full refund for your pre-paid reservation.

You must cancel or interrupt because your home was made uninhabitable by a natural disaster: The right travel insurance plan doesn’t just protect you in case something should damage or destroy your destination – but also your home. If you cannot travel because you need to tend to damage done to your primary home, you may be eligible for reimbursement due to cancellation or interruption of your trip.

Going home early because your destination has become uninhabitable while you are there: It could be a scary situation to be on vacation when a dangerous storm rolls through. A travel insurance plan could provide coverage for trip interruption (going home early) because your accommodations have become uninhabitable during the storm.

These are a handful of reasons travelers have found travel insurance to be helpful in recouping lost travel expenses. If you are traveling and think you may be able to be reimbursed for unexpected expenses due to bad weather changing your travel plans, keep your receipts and document everything possible. Call your travel insurance company and any travel suppliers that may be affected by the change as soon as possible. All of this will help minimize possible slow downs during a claims process.

 

 

 

 

 

 

Admin. Hurricane Season & Travel Insurance. Web blog post, Insuring your trip. insuremytrip. 12 May 2017. 

Make sure Your Insurance Is Ready For Hurricane Season.

We are well aware of the impact that hurricanes and tropical storms can have on us. Experts say that planning ahead is the best way to financially weather a storm. The most important step in the planning process is to review your existing insurance coverage. With hurricane season right around the corner, here are some of the important items to review:

Make sure you are protected with flood insurance. While the high winds associated with these storms can cause a lot of damage, you should also be aware that flooding causes significant damage as well. Hurricanes Sandy and Katrina, and Tropical Storm Frances are good examples of this. Standard homeowners policies do not cover damage from flooding. Financial protection from flooding is only available as a separate stand alone policy. It is important to know that there is a 30 day waiting period before a flood policy takes effect, so if you are considering this coverage, you should not delay.  Up to 20% of flood damage occurs in low to moderate risk flood areas, so no matter where you live, it is a good idea to consider flood insurance.

Make sure your homeowners policy includes wind storm coverage. While wind storm coverage is included in many homeowners policies, sometimes it is excluded for various reasons. You may have chosen to have it excluded yourself or your insurance company may have chosen to remove it at renewal (this is not common, but has happened before). Historically, properties in the “wind pool” (the area designated as being within 1,000 feet of the coast) have been most affected by this. The bottom line is that it is always a good idea to double check your policy to make sure wind storm coverage is included.

Find out if your policy covers you for Replacement Cost or Actual Cash Value for losses. Replacement Cost covers you for new items, while Actual Cash Value covers you for items at their depreciated cost.

  • Ensure that  your home and all items inside the home are insured at the correct values.
  • Make sure your vehicles are covered for wind and flood damages. This typically means including comprehensive and collision coverage on your auto policy.
  • Review your policy to ensure that Sewer Backup and Overflow coverage is included.

Once you have reviewed your insurance policies, it is important to keep them in a safe and easily accessible place. I also recommend that you save your insurance agency’s phone number and your insurance company’s phone number in your cell phone so that you can start a claim immediately.

 

 

 

 

 

 

Kirk Ball . Make Sure Your Insurance Is Ready For Hurricane Season. Web blog post, Stay up to date. Wren Insurance Agency. 26 June 2014. 4 April 2017

Homeowners Policy Vs. Flood Insurance.

Your home can be one of the biggest purchases of your life. Homeowners insurance helps you protect his important investment and may make the difference between minor inconveniences and major financial losses. While a standard homeowners insurance policy provides basic coverage, a special policy can protect against losses incurred during floods.

 

Homeowners Policy

Homeowners policies may vary, depending on your insurance company, your home and your circumstances. Insurance companies offer several levels of coverage to choose from, allowing you to select the amount of deductibles and premiums you will pay for your policy. Mortgage companies often require a minimum amount of coverage to reimburse the amount of your loan. While your basic policy may reimburse your losses from several causes, such as fire and theft, it won’t pay for flood damage.

 

Flood Policy

The National Flood Insurance Program is a federal program that provides insurance coverage for damages due to floods. While your homeowners insurance may pay for water damage due to broken pipes, flood insurance pays for damages caused by the rising of a body of water that covers normally dry land. You can purchase this national flood damage coverage from your insurance agent or your local Federal Emergency Management Agency office.

 

Risks

Your insurance agent can tell you if your house is located in a flood zone. Although you may never experience a flood, living in a recognized flood zone increase your risk of flood damage. You may need flood insurance if your home is near a river that could overflow its banks, located on a coastal region or against a hill that may experience mudslides.

 

Considerations

Read your homeowners policy carefully to determine what your insurance company won’t cover, such as tidal water and sewage backups. Deciding whether you need a special policy to cover damages due to floods depends on your circumstances. If you carry a mortgage on your home, your lender may require you purchase this type of coverage. If you own your home, consider your flood risk, as well as how much money you can afford to lose due to uncovered expenses.

 

 

 

 

Piper Li. Homeowners Policy Vs. Flood Insurance. web blog post. The Nest. 4 April 2017

Why Hire A Licensed And Insured Contractor.

Licensed and insured. These are ubiquitous terms found on most service company advertising, but what do they mean? Why should you care? An educated consumer makes better decisions. It’s important to understand what it means and why it’s important when hiring a contractor.

What “Licensed’ Means in Florida

The state of Florida requires both residential and commercial builders and contractors to be licensed. There are separate licensing requirements for residential contractors, mechanical contractors (plumbing, electrical, HVAC) and general contractors. All are licensed through the Florida Construction Industry Licensing Board (CILB), which also requires licenses be kept current.

Homeowners can confirm a contractor’s license is legitimate and current by visiting the state’s website. Select “Verify a license,” and then search by license number or contractor name.

The CILB also administers the Florida Homeowners’ Construction Recovery Fund. If you lose money on a project performed under contract where the loss results from specified violations of Florida law by a licensed contractor, you may be eligible for payment from this fund. If you choose an unlicensed contractor at your home or business, you have no rights under the statute that created this fund.

What ‘Insured’ Means in Florida

There are two types of insurance on which to focus when selecting a vendor.

Workers’ compensation insurance protects homeowners from liability for injuries incurred while workers are in their homes or on their property. If somebody is injured working in your home and is not covered by a workers’ compensation policy, you might be responsible for their lost wages and medical costs.

General liability insurance protects the homeowner from bodily injury, property damage or personal injury. In the event there would be damage or loss to a home or structure due to a contractor’s negligence, your homeowners’ property insurance won’t likely cover the damage. Most policies explicitly exclude damages caused by contractors. It would be necessary for the contractor’s general liability insurance to cover this damage. If the contractor is not insured, you are at risk.

There have been instances where companies claim to be licensed and insured, and it comes to light after an incident that they have a business license and auto insurance on their work vehicle. Neither offers the homeowner any protection in the case of an injury or damage to your property. While the license is issued by the state, the insurance is backed by an insurance carrier. Contact information for verification purposes is listed on the insurance certificate, as is the expiration date of the policy.

Asking to see the license and certificates of insurance is your best protection. Reputable companies are happy to provide proof of adherence to laws and regulations designed to protect both you and them. Contractors that cut corners on licensing and insurance and put that risk on you are much more likely to cut corners when working at your home.

 

 

 

Mike McCalley.Why Hire a Licensed and Insured Florida Contractor? Web blog post. Articles. Angies List. 28 June 2011. 30 March 2017 

What To Know About Flood Damage.

Flooding is a serious threat. Flood damage can lead to severe damage to property and human life. Houses, cars, commercial establishments, basements are all potential candidates for flood damage. Flooding has an unpredictable nature – reason for more concerns if you live in a high risk area.

Image result for flooded house

Flooding usually has natural causes. This is common for storms and hurricanes that constantly prey on its path. Water is a force that is really hard to stop. However, flood damage can be minimized. This can be done by being prepared and paying attention to news updates.

Minimizing Flood Damage

Flood damage is at maximum when you are unprepared or unwilling to take the necessary actions. Elevating electronic equipment, cars and furniture should be the best action during the flooding – but always take on safety first before beginning to salvage any property.

After the flood, water disposal and drying of soaked materials should minimize damage. Always remember that any water damage requires immediate attention. This is because water damage progresses with time requiring attention every time it hits.

Immediate and Secondary Flood Damage

Flood damage may be categorized as immediate and secondary. Immediate flood damage may be best explained as deformed or warped floor boards and walls, unusable electronic equipment, broken furniture and wet documents. Immediate damage can be minimized by acting on water immediately. This can also be done by elevating objects above the flood level or by simply washing out water from surfaces to avoid discoloration – especially for good furniture.

Secondary Damage may be considered as an after effect. This damage is a result of undisposed water after the flood. The most prominent form would be mold infestation. Mold can be a huge health risk, not to mention the arid smell it produces. Mold thrives in humid areas where food and moisture exists. Quickly drying materials soaked in the flood will help control secondary flood damage.Image result for dried out flooded house

Flood Damage: Getting Help

Flood damage can be nullified with the help of professional service providers. Specialization is greatly required with this scale of damage. PRS of Tampa Bay aids in any water or flood restoration projects. A team of experts from PRS has the capability to provide fast restorations. Complete with certifications for mold remediation, water and flood damage control and structural repairs – PRS is a one stop shop.

Flood Damage: Insurance

Always make sure that you are covered with insurance. This is also to say that always contact your insurance provider when flood and water damage is sustained. It is best to know your coverage to have a cost assessment and restoration appraisals before you barge in with the activities.

Lisa Appel. “5 Things You Need to Know About Water Damage” Web blog post. Advice. Porch, 20 Feb. 2015.

Images provided by Google.

How Flood Zones and Evacuation Zones Differ.

Flood zones and evacuation zones are different. They measure different conditions that may not occur at the same time.

Flood zones are areas mapped by FEMA for use in the National Flood Insurance Program. Each flood zone designation, represented by a letter or letters, tells homeowners exactly what the risk is for flooding at their property over a period of years, regardless of the cause. By law, all homes in high-risk zones carrying a mortgage must be covered by flood insurance.

flood zone sign

 

 

 

 

 

 

Evacuation zones, on the other hand, are based on hurricane storm surge zones determined by the National Hurricane Center using ground elevation and the area’s vulnerability to storm surge from a hurricane. The evacuation zones are marked from A through E, plus non-evacuation zones.

hurricane evac

The flood zones and evacuation zones are determined by different methods and have different purposes. A home may be located in a non-evacuation zone, yet still be located in a flood zone because of a nearby stream or pond.

Residents need to check both zones.

 

An important thing to remember is that flood losses are not covered by homeowners insurance policies. The National Flood Insurance Program makes federally backed flood insurance available to residents and business owners. Any flooding damage covered under the policy – whether or not a federal disaster declaration is made – will be reimbursed per the policy limits, which can include structural damage or the loss of contents.

For more information on flood zones, visit the National Flood Insurance Program at www.floodsmart.gov or call (888) CALL-FLOOD (225-5356)

Flood Maps and Zones. Flooding. Maps Pinellas County Florida. Pinellascounty.org

Images provided by Google.

 

Hidden Dangers In Your House.

1. Inspect your roof and attic:9 Hidden Dangers In Your Home

The number one concern with the roof is leaks. Yearly roofing inspections will help you identify potential problems. Ideally, hire a professional to do the inspection; if you choose to inspect the roof yourself, be sure to take proper safety precautions. Undetected water leaks can seep into your home for months and you may not know it. The longer the leak occurs and moisture builds up the more likely you will have to deal with costly mold problems, not to mention you will need to remove and replace all the wet materials. If you have an attic in your home, inspect it periodically and be sure to inspect it during some rainy days because that will help you identify potential leaks in the roof as well. While you are in the attic, look for signs of pests, such as rodents and insects that could cause potential problems as well.

 

2. Protect your home from intruders:

Most break ins occur during the day and 70% of burglars look for easy entry through open doors or windows. With this in mind, it is important that you secure all your windows and doors to eliminate easy access. In addition, you may want to consider installing an electronic alarm system to further secure the valuables in your home: jewelry, guns, laptop computers, cell phones and other electronic devices.

3. Practice safe cooking:

Cooking is one of the leading causes of home fires. Cook with caution. Do not place flammables near your burners and never use water to douse out a fire if you are cooking with oil or grease. Grease fires can spread very quickly. To be safe, keep a fire extinguisher nearby.

 

4. Check your plumbing regularly:

Check your plumbing regularly for leaks. Check all areas in the home that have plumbing: bathrooms, kitchen, laundry room, and furnace room, and do a visual inspection for plumbing leaks. Check under the sinks and inspect the pipes. In addition, check the hoses of your washing machine and the water hose that goes into your refrigerator if you have a fridge that has an automatic ice maker. Don’t forget to inspect the water heater as well for leaks. Visually inspect your ceilings and walls for water damage as well. If you notice water stains, then you could have leaky pipes. If you are concerned about hidden leaks, invest in a thermal imaging inspection to identify hidden leaks. Thermal imaging is also beneficial because it can identify potential hidden electrical hot spots. Identifying leaks is important because it causes water damage which can also lead to mold growth. To prevent mold, keep moisture in check. As a final precaution, if you are planning to go on a vacation, inform trusted neighbors and friends and get them to check your house. You may also want to completely shut off the water to your home.

 

5. Maintain your laundry room:

Clean out the pipe that vents out the warm air build up in your dryer with a brush that you can purchase from your local hardware store. Doing this will accomplish two key objectives. First, you will be eliminating debris that could catch fire. Second, by improving the air flow, your dryer will function more efficiently, saving you energy. Another precautionary measure is to avoid drying clothes that have been soiled with volatile chemicals such as gasoline, cooking oils, cleaning agents, or finishing oils and stains; if possible dry these items outside. The reason you want to avoid drying these types of items relates to the fact that debris from your dryer can accumulate and these chemicals, along with the heat from the dryer can lead to a fire.

 

Sanjay Gupta. “9 Hidden Dangers In Your Home!” Web blog post. Asbestos Mold Connecticut. 29 Oct 2015

 

Florida Hurricane History.

The state of Florida has had more hurricanes that made landfall than any other U.S. continental state. There have been a total of  488 tropical and subtropical storms since 1851, with only 18 seasons out of 162, where there were no storms recorded. Hurricanes or tropical storms have effected the state of Florida in every month of the year except for January and March. The total cost of these storms is over $115 billion.

 

Of the 10 most intense land-falling U.S.  5 of those were in Florida, The first of which was the “Florida Keys” hurricane in 1919. On September 9th through 10th the what would be category 4 hurricane  made its pass through the Florida Keys causing severe damage to the Key West Havana docks and buildings in Key West. More than 10 ships were  sunk or reported missing causing over 500 deaths. In 1926 the “Great Miami hurricane hit south Florida on September 18th.The MacArthur Causeway was submerged under 6ft of water due to the high storm surge. The death toll was so high that resorts and office buildings had to serve as temporary morgues. The next was the 1928 Okeechobee hurricane which made landfall near West Palm Beach on September 17th, with winds of 145 mph. Almost 2000 homes were destroyed in the city and caused estimated damage of $25 million. We Jump 64 years later to the last of the 5 to Hurricane Andrew which made landfall on August 23rd on Elliot Key as a category 5 hurricane. Andrew was the costliest hurricane in United States history to date, causing $250 million in damage, but only caused 4 deaths. The hurricane’s winds were recorded at 177 mph causing the majority of the damage in Miami-Dade County in the cities of Homestead, Florida City, and Cutler Ridge.

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There were 8 hurricanes in 2003 and 2005 which is the most number of hurricanes to make landfall in Florida in a single season. The area that has been hit most is Monroe County with 26 storms, the most storms any one county has endured in the U.S. Though Key West and Pensacola are the most hurricane prone areas.

Between the 2000-2013, there were a total of 63 tropical and subtropical cyclones which has resulted in an estimated 64 billion dollars in damages to Florida. In 2004, Hurricane Charley tore a path of destruction through Central Florida. The storm was initially supposed to make landfall in Tampa but turned at the last minute, devastating Charlotte County before heading inland. The storm leveled parts of Orange and Osceola counties , destroying homes, knocking out power for weeks and uprooting hundreds of trees. Charley was also blamed for more than 30 deaths in the United States and Caribbean. In 2005, there were 28 named storms. It was the first time in the naming of storms the Greek alphabet was needed for naming. There were 15 hurricanes, 7 of which were major including 4 category 5 hurricanes
image of hurricane1

Stay safe this hurricane season, be prepared and have a plan. If you suffer from any flooding call a reputable and licensed restoration company like P.R.S.

 

 

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Why you should always hire a licensed contractor.

Being a licensed contractor in Florida is a privilege. Many do not understand the difference in being licensed and why some are not licensed. Obtaining and keeping your contracting license in Florida is expensive and there are requirements you must meet. An unlicensed company is taking the easy and unethical approach to assisting those in need.

Licensed or Unlicensed – Is It a Big Deal?

When you are in need for repairs questions run through your head: What does it mean to be licensed? Why are some contractors licensed and some are not? Does it really matter? Being a licensed contractor means they have passed all required testing, met the minimum experience level of four years, passed a credit and background check, and they must carry insurance to cover liability and workers compensation.

Risks of Hiring an Unlicensed Contractor:

  • No insurance – No liability: An unlicensed contractor typically is uninsured – you unlicensedmay end up being liable for personal or financial injuries to others. If they happen to damage your property, there is no insurance to cover that.
  • Poor qualifications and poor quality work: Unlicensed contractors usually do not have the education or qualifications required of a licensee. Therefore, they usually do poor quality work and do not finish the project, leaving the homeowner to pick up the pieces.
  • Possible criminal background: Unlicensed contractors also pose the threat for having a lengthy list of criminal history. This list may include violent crime, sexual offenses, substance abuse, fraud, and/or theft. Do you want someone like that working on your private property?
  • Scam artists: Unlicensed contractors often disappear after taking your money. The department cannot discipline an unlicensed person or help you with any recovery of repairs or money lost. These con artists usually try to scam those in need or urgent repairs such as hurricane damage.
  • Not covered under homeowner’s policy: Most homeowner policies require any repairs be done by a licensed individual.
  • Limited resources for broken contracts: If you have a dispute with a licensed contractor, you have rights and are able to contact the department who will take disciplinary action. However, this action is not available if the contractor is not licensed.
  • Noncompliance with building codes: Most projects require permits and inspections, unlicensed contractors usually ignore such things. If your project isn’t permitted or doesn’t comply with the building code you may have to remove or repair the work at your own expense and be subject to fines.

Before you agree to any repairs confirm the individual is licensed and has insurance. Below are helpful links for you to use:

Click here to verify a Pinellas County license

Click here to verify a State license

Why Hire a Licensed Contractor?

  •  A licensed person has the required education, experience, insurance and qualifications to obtain a license.  They must pass a competency examination before practicing.hire a liecensed contractor
  • Licensed individuals are screened for prior criminal history.
  • The department can discipline and even revoke a license if the person does not live up to professional standards.  This is a not a total safeguard, but is a strong incentive for the licensee to do good work.
  • You may be able to sue the licensee in civil court for problems related to the work done.

Why Should You Hire PRS?

PRS logoProfessional Restoration Services of Tampa Bay, Inc. holds 4 state licenses, multiple certifications and the experience to get the job done right. We strive for customer satisfaction and believe in ethical work. We are dedicated to people in need and we are available 24/7 365 days a year to assist you. We are certified to handle all stages of home restoration. Please take a look at our licenses and certifications below:

State Certified Building Contractor CBC #1258546
State Certified Mold Assessor #MRSA236
State Certified Mold Remediation Contractor #MRSR102
State Certified Home Inspector #HI907
State Certified Radon Measurement Technician #R2257
Crime & Trauma Scene Clean-Up
BBB Accredited Business
CMI #79154, CMRC #79178, WRT/ FSRT #135042
Clean Trust Certified Firm #187012 (formerly IICRC)
EPA Lead-Safe Certified Firm, Lead-Safe Renovator #NAT-50994-1
FEIN# 270863221
Knight of Columbus
Community Associations Institute member

What is Ordinance or Law Coverage in My Homeowners Policy?

 

Did you know that after experiencing a homeowners loss, rebuilding your home to meet current codes or demolishing what is left of it might increase your cost up to 50 percent? Florida communities have laws or building codes that greatly affect the reconstruction of damaged homes. These building codes change over time and they rarely become less demanding. Ordinance or Law Coverage can help protect you from increased costs due to a storm or other loss event damages your home.

Most homeowners policies will limit the amount of coverage for the following additional increased costs caused by adherence to current ordinance or law.

  • The construction, demolition, remodeling, renovation or repair of a building or other structure
  • The demolition or reconstruction of the undamaged portion of a covered building or other structure
  • The remodeling, removal or replacement of the portion of the undamaged part of a building or other structure needed to complete your repair

An example of how the Ordinance or Law Coverage applies. Your home sustains damage to the roof when your Grand Oak tree falls into your living room during a windstorm. Roof repairs will probably now require costlier shingle replacement and minimally, hurricane roof straps or specific size roof nails. These additional and more expensive items will add significant costs to your repair bill. Ordinance or Law Coverage pays for those costs, which insurance carriers would otherwise consider an improvement to your property absent the coverage. Without this important endorsement, you must pay the additional costs. Add these costs to your deductible and you can see why this coverage can be so critical to your budget.

The worst possible time to learn of coverage restrictions is after you have suffered a loss. Talk to an insurance agent and find out what coverage you have and how to obtain the right coverage for your home.

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