How do Home Insurance Adjusters Determine Coverage in Brandon, FL?

Home insurance adjusters visit your Brandon, FL property to determine your policy coverage and payout.

You decide your coverage limits when you purchase a home insurance policy from a company like Runnels Insurance. Although a policy isn’t required to buy a home in Flordia, it’s highly recommended to blunt the costs of damages.

It’s especially true when it comes to severe weather conditions the state is subject to. In addition to fire, theft, and vandalism, your home can be damaged due to hurricanes, tornadoes, and strong thunderstorms. A home insurance policy covers these conditions for your Brandon, FL property. 

How Coverage Is Determined

When you file a claim with your insurance company, it’s given a case number and delivered to the adjusters. In turn, they do one of two things. They might ask for photos of the damage for their records. On the other hand, if the damage is extensive, they’ll make an appointment to see it firsthand. 

During their visit, the adjuster will take photos and notes related to interior and exterior issues. They’ll take this information back to the office and compare the damage to what your policy covers. Further, they’ll review current costs related to the necessary repairs. These factors will determine what the insurance company pays for. 

How to Get the Right Amount of Coverage

Don’t underinsure your home insurance policy to save money. While it may initially help you, it won’t allow you to repair your home when appropriately needed. Thus, it’s best to reach out to a company like Runnels Insurance to calculate the right amount of coverage. Contact a representative today for additional information. 

Signs You Need to Update Your Home Insurance Policy

As a homeowner, you know your home is one of your most valuable assets. It’s not just the physical structure but everything inside – from your furniture to your clothes to your priceless family photos. That’s why it’s so important to have a good home insurance policy in place. But what happens when your needs change? Here are four signs that it might be time to update your home insurance policy.

1. You’ve Made Major Renovations to Your Home

If you’ve made any significant renovations to your home, it’s essential to let your home insurance company know. That’s because the value of your home has likely gone up, which means you need more coverage. For example, if you’ve added a new room or replaced your roof, you’ll need to update your policy.

2. You’ve Acquired New Belongings

Over time, you’re bound to acquire new belongings. Whether it’s a new piece of furniture or a new energy-efficient appliance, you could be underinsured if you don’t update your policy. If something happens to your home and you need to make a claim, you might not get enough money to replace your belongings.

3. You Have a New Baby

Becoming a parent is a huge life change and should be reflected in your home insurance policy. That’s because you now have more people in your home who are vulnerable to injury. You may also have more belongings, like toys and baby clothes, that need to be protected.

4. It’s Been a While Since You Reviewed Your Policy

Even if nothing significant has changed in your life, it’s a good idea to review your home insurance policy regularly. That’s because, over time, your needs may change, and you might be able to get a better rate. So, if it’s been a while since you reviewed your policy, now is the time to do it.

Contact your insurance agent today if you’re thinking about updating your home insurance policy. They can help you assess your needs and ensure you have the coverage you need. At Runnels Insurance, we can help you review your existing policy to see if it meets your current needs in Brandon, FL. We’re also here to help you find a new policy if you need one. Contact us today to get started.

What Does Home Insurance Cover?

Home insurance is an essential purchase for any homeowner. It provides peace of mind that your home and belongings are protected in a disaster or accident. But what does home insurance cover? In this article, we’ll discuss what home insurance covers.

1. Dwelling Coverage

Dwelling coverage is the portion of your home insurance policy that covers the physical structure of your home. This includes the walls, floors, ceilings, and foundation.

Dwelling coverage includes attached structures, such as a garage or deck. If your home is damaged or destroyed by a covered event, such as a fire or severe weather, dwelling coverage will help pay for the repairs or replacement of your home.

Dwelling coverage does not cover damage caused by normal wear and tear. For example, if your roof needs to be replaced due to age or damage from a storm, you would need to pay for this repair out of pocket as it is not covered by dwelling coverage.

2. Personal Property Coverage

Personal property coverage is the portion of your home insurance policy that covers your personal belongings. This includes furniture, clothing, electronics, and other items you keep in your home.

If your personal belongings are damaged or destroyed by a covered event, such as a fire or severe weather, personal property coverage will help pay for the repairs or replacement of your belongings.

3. Liability Coverage

Liability coverage is the portion of your home insurance policy that protects you from financial responsibility if someone is injured on your property. This includes medical expenses and legal costs. If you’re sued for damages, liability coverage will help pay for your legal defense.

Liability coverage also provides protection if you accidentally damage someone else’s property. For example, if you accidentally start a fire that damages your neighbor’s home in Brandon, FL, your liability coverage will help pay for the repairs.

4. Additional Coverage

In addition to the three main types of coverage, most home insurance policies also include additional coverage for specific events. This can include coverage for flooding, earthquakes, and wind damage. You may also be able to purchase additional coverage from a professional company such as Runnels Insurance for items such as jewelry or art.

5. Other Structures Coverage

Other structure coverage is a type of dwelling coverage that protects detached structures on your property, such as a shed or gazebo. This coverage can help to pay for the repairs or replacement of these structures if  damages thema covered event damages them. Additionally, other structure coverage can help to pay for the repairs or replacement of fences, driveways, and sidewalks.

Conclusion

Home insurance is an essential purchase for any homeowner. It protects your home and belongings in the event of a covered disaster. Home insurance typically covers the dwelling, personal property, liability, and additional expenses. Other structure coverage is also available to protect detached structures on your property.

Florida homeowners looking for more information about home insurance can contact Runnels Insurance. We are happy to answer any questions about home insurance coverage. Give us a call today.

Do I Need Home Insurance in Florida?

While Florida state law does not require that you carry homeowner’s insurance, you will likely be required to if you still have a mortgage. Further, if you live in a condo or within the boundaries of an HOA, they might also require you to pick up homeowners insurance. Even if none of those reasons apply to you, it’s still a wise investment to make to protect your home in Brandon, FL. 

Weather

Despite being named the Sunshine State, Florida gets more than its fair share of rainy days. In fact, in US history, six of the ten most expensive storms have occurred right here in Florida. It’s a good idea to review your policy to ensure you are covered for weather-related damages and know what exclusions apply. Flooding, for example, is a separate policy. 

Dislocation Living Expenses

Storms being a fact of life for Floridians means that sooner or later, you may be out of your home while it is undergoing necessary and claimable repairs. Additional Living Expenses coverage kicks in to help you ride out the extra expense of living away from home, allotting you cash up to your limit for lodging, food, and incidentals like laundry facilities. 

Protection Against Lawsuit 

Accidents happen to the best of us. If an injury occurs on your property, your or a family member damage another’s property, or your household pets cause injury or damage, you risk expensive lawsuits without adequate liability coverage. There is no deductible to utilize this portion of your policy, and it can provide you payment to cover your defense and pay damages owed up to your policy limits. 

If you are ready to review your homeowner’s insurance, reach out to Runnels Insurance today. We can go over your needs and help you find the best policy for your needs.  

Why You Should Update Your Home Insurance

Over time, both you and your property will evolve. Because of this, you must take into consideration that you need to update your homeowner’s insurance. Runnels Insurance wants to ensure that Brandon, FL residents are aware of a couple of reasons why it is so important to update their home insurance, so keep reading!

Cover Any Improvements Recently Made

The great thing about owning a home is that you can make improvements to it anytime that you wish. However, it is important that you let your insurance company know about these improvements so they can be outlined in your policy to ensure you are properly covered should a catastrophe strike.

Otherwise, if disaster strikes, your claim may be denied, leaving you to pay for repairs out of your own pocket. Therefore, if you have recently added anything new to your home or performed any renovations, make sure to consult with your insurance agent.

Ensure You’re Adequately Protected

When it comes to replacing your home, the cost of such is impacted by the economy. As inflation increases, the cost of goods and services does as well. Therefore, if your home is completely destroyed, it will end up costing more to replace the home.

In addition, depending on the real estate market, your home may increase in value over the years, and you’ll want to ensure that your insurance policy reflects the appropriate property value. To ensure that your home insurance policy accounts for recent changes in the economy and real estate market, update your policy regularly with your insurance company.

If you believe you need to sit down and take a look at your home insurance coverage, reach out to us at Runnels Insurance. We are proud to serve the Brandon, FL area. Contact us today so we can discuss your policy options.

Is Home Insurance A Must In Florida?

Brandon, FL residents need to choose home insurance to avoid the stress caused by the massive loss of private home properties. This insurance policy helps cover home properties in case of damage, theft, or natural calamities. In Florida, citizens who own mass properties at home opt for this policy. Would you mind speaking with our dedicated agents at Runnels Insurance to get a customized quote on your home insurance?

Is Home Insurance a Must in Florida?

Florida state law does not make it mandatory for homeowners to have home insurance coverage in Florida, but the mortgage company may require the insurance. However, who wants to risk it? Especially when the home is vast and valuable. It’s mostly opted for by financially stable and significant homeowners. This insurance option comes with several advantages. Because damage and accidents are unpredictable, home insurance is the genuine deal.

It Protects One’s Most Valuable Asset.

Runnels insurance company is one of the companies that provide home insurance. In Florida, most prestigious and wealthy individuals have a precious asset in their homes. The imported interior decorations and exterior designs do cost a fortune. These assets are damaged by fire, storms, or floods. When least expected, others are stolen, while others are struck by lightning or earthquakes. An individual’s insured home has happy and less stressed family members. This results in a happy family.

It Provides Liability Coverage.

Home insurance in Florida helps citizens have their liability protected. Accidents and damages may not happen in one’s home. If they occur, and an individual does not want to be held accountable lawfully or pay the entire cost associated, their home insurance comes through for them. 

It Pays to Replace Personal Belongings.

If a calamity or accident and an individual’s properties are entirely damaged, all is not lost as long as one has home insurance. In Florida, home insurance owners get the privilege of having their damaged valuable items replaced. These personal belongings can include; ornaments and jewelry, cameras, telephones and mobile phones, interior designer wall clocks, and valuable flower vases. The insurance owner eliminates most stress associated with the loss or damage of valuable private items. Everyone owns and values their things.

Home insurance may not be compulsory for homeowners in Florida, but it is the wisest decision to make if one has valuable items at home. In case of damage, taking an inventory of the damaged items helps the Runnels Insurance Company serving Brandon, FL and the surrounding community to estimate the value and come through for you. No one likes losses. Home insurance instills peace of mind for homeowners.

How Home Insurance Protects You

If you own a house, you need to keep that house protected. Make sure that you always have a home insurance policy protecting your home, or you could face serious financial problems down the road. To get your home policy, give us a call now at Runnels Insurance in Brandon, FL.

Protection for Your Possessions

Inside your home, you have an array of belongings that represent different price points. The sum of all of those things is generally an enormous amount of money. Furniture pieces alone can cost a lot, and you have some of them in every room. To protect yourself against your belongings being ruined, keep your home insurance policy in place. It will pay for repairs and replacements for items that are damaged or destroyed by a covered incident. This is an enormous saving for you should the worst happen to your things. 

Protection for Your House

Another important part of your home insurance policy is the coverage for the house. This coverage includes a lot of information about covered incidents that are covered by the policy. It may be a natural disaster or something else that impacts your home and leaves it needing repairs. Home repairs, especially when they are extensive, can be very difficult to afford without the help of a home policy. 

Living Elsewhere

If the worst does happen and your home is impacted by a destructive incident, your home policy will pay for you to live somewhere else until your home is repaired. This is coverage that many people don’t think about until the situation occurs, but it is important coverage to have on your home. 

Insure Your Home

Above all, make sure that your home is always well-covered by a home policy. If you need one, call us at Runnels Insurance in Brandon, FL.

Preparing your home for an emergency

Florida is a great place to call home. Warm weather attracts many people to the state. The same warm weather and great location also provide a place that is prone to weather emergencies. Making sure your home is prepared makes it less stressful when an emergency arises. Having the correct amount of home insurance is also a stress reliever. At Runnels Insurance in Brandon, FL, we are locally owned and operated and have been providing friendly and efficient service since 1991. 

Many emergencies that threaten Florida are weather-related.  Hurricanes are a regular yearly occurrence. If you live in an area that is likely to feel the effects of one of these storms, you need to be prepared to deal with it. Hurricane shutters can provide the level of protection that homes in Florida need or having hurricane-proof windows is never a bad idea. 

High winds often cause power outages. When the power is out, that can affect your water and sewer lines. It is imperative that you have access to clean water both for drinking and other necessities. Having at least a week’s supply of freshwater is good planning. If you need water for your toilet to flush, filling your bathtub with water when a storm is expected can be a lifesaver. 

Investing in a generator can mean the difference between sweltering in the summer heat and having a working ac unit. It can also help to preserve the food in your fridge and freezer. Making sure that you have enough fuel for a week is also important. 

If your area is prone to flooding, your family should have an evacuation plan so that the entire family knows where you will be evacuating to. You also should have your important papers in a weatherproof container, so they will be available to you if you need them. 

In Brandon, FL, Runnels Insurance is your local independent insurance agent. 

What’s Not Covered by my Home Insurance Policy?

One sure way of avoiding frustrations when filing claims is by understanding your insurance policy when purchasing coverage. At Runnels Insurance, it pains us to see our Brandon, FL clients having a bad experience just because they didn’t understand the nitty-gritty of their home insurance policy. For this reason, we have prepared a brief guide on home insurance exclusions to help you shop for riders or add-ons to boost your home insurance policy.

Your typical home insurance doesn’t protect you against:

Flood damage

While your home insurance covers you against water damage emanating from the inside (like broken pipes), it won’t protect you from overland flooding. For this reason, if you live in a flood-risk region, consider purchasing flood insurance from NFIP or private carriers to protect your home from water damage.

Water damage from sewer backup

Weak sewer lines, tree roots, and clogging can cause water damage that isn’t only an inconvenience but can become expensive to repair. Unfortunately, a typical home insurance policy doesn’t cover such damages. However, the good news is that you can purchase an endorsement to protect your home against such mishaps.

Neglect

You can’t neglect maintenance for your home and then run to your insurer for repairs. For instance, the damage will likely occur to your home structure if you fail to prevent mold and pest infestations. If you try to file a claim for such damage, it’s likely to be declined.

Intentional acts

This exclusion is self-explanatory. If your insurer concludes that damage to your home was intentional, you won’t be compensated. Worse yet, you could be prosecuted for insurance fraud if found culpable. 

Government actions

If your government confiscates your belongings or reclaims your land, that’s not your insurer’s headache. 

The above list is not exhaustive. It’s a guide of what your typical home insurance doesn’t cover. For better understanding, refer to your insurance policy. Better yet, you can contact Runnels Insurance in Brandon, FL, for more information on home insurance.

Home Maintenance Tips for the Fall

Although it may feel as though you’ve just finished up all of your home’s spring maintenance chores, fall in Brandon, FL is just around the corner, so there’s no better time than now to get started on your fall home maintenance. Taking preventative steps now will save you both time and money down the road as well as the headache of dealing with issues that often occur as the weather gets colder. Here are a few tips from Runnels Insurance to help you get started on your fall maintenance.

Clean the Gutters

One of the most important fall home maintenance tasks you should include on your list is cleaning the gutters. Nobody likes cleaning the gutters, but if left alone the gutters and downspouts can lead to much more significant and expensive damages, including roof leaks. It’s typically recommended that the gutters should be cleaned at least twice each year, once in the spring and again in the fall. If your home is surrounded by trees this should be done more frequently. Cleaning the gutters prevents clogging. Over time the leaves and debris build up in the gutters, eventually preventing the water from flowing away from the roof and spilling over which causes damage to the foundation.

Inspect the Roof

Fall is the best time to inspect your roof. The winter rains can cause significant damage to the roof, the structure of your home and lead to issues with pests. When inspecting your roof, make sure to check for loose shingles, missing shingles, and any damaged flashing around chimneys and vents. If there is any buckling, curling or cracking shingles, be sure to replace them before winter arrives. If there is extensive damage, you may want to consider hiring a professional roofing contractor to replace the existing roof.

Pest Prevention

People commonly assume that spring and summer are when they will notice the most pest activity in and around their home. While this is often the case, the reason why spring is the time of the year when you’ll notice an influx in pests is because the eggs that have been laid over the winter are hatching. Pests, such as ants, spiders, centipedes, roaches, and a host of other creepy crawlies start looking for a warm place to spend the winter and your home is the perfect winter home for them. As these pests take up residence in your home over the winter, they lay eggs, which eventually hatch in the spring; ultimately possibly leading to an infestation. So, the best way to prevent the problem is to address the issue in the fall before there’s a risk.

Residents of Brandon, FL interested in learning more information about home insurance should contact Runnels Insurance.