What Add-On Insurance Coverage Options Should I Consider as a Home, Condo, or Business Owner?
At The Morgan Law Group P.A., our Florida, Louisiana, Mississippi, California, and Puerto Rico insurance claims attorneys know that each state and territory’s home, condominium, and business insurance coverage options vary by location.
Understanding the different types of homeowners’ insurance policies can help you determine what types of add-on coverage are available, and if they are right for your unique property needs.
What are the Different Types of Insurance Coverage Options That Do Not Come Standard With Home, Condo, or Business Policies?
Depending on where your home, condominium, or business is located, there may be additional insurance coverage that can be purchased to help protect your structure and its contents.
They may include:
- Additional Personal Property Insurance for Valuable Artwork and/or Jewelry
- Earthquake Coverage
- Flood Insurance
- Home-Based Business Insurance
- Hurricane Coverage
- Mold Damage
- Sewer Backup Insurance
- Sinkhole Damage
- Umbrella Insurance
- Watercraft Endorsement
Keep in mind that not all additional coverage options are available in all states or territories.
It is important to review the details of your existing insurance policy and ask your representative about any potential add-on coverage that may fit your unique needs.
What If My Home, Condo, or Business Insurance Claim Was Denied?
Insurance companies are in the business of protecting their bottom lines, which means they may deny an insurance claim for multiple reasons.
Some of the most common reasons for coverage denials include:
- Lack of coverage
- Missing the filing deadline
- Non-payment of premiums
- Non-disclosure of facts
- Insufficient documentation of damages
- Lack of due care to the property
If you have successfully paid your insurance coverage premiums and believe your policy should cover the damage your property suffered, contact our skilled insurance claims attorneys to review your case. We will outline your legal rights and options to pursue your insurance provider for the compensation you are entitled to for the damages they should have approved.
Contact The Morgan Law Group, P.A. Today To Schedule a Free Consultation
At The Morgan Law Group, P.A., our insurance claims attorneys believe that if you pay for insurance coverage, it should be there when you need it.
If the insurance company delays, undervalues, or denies your claim, contact our experienced insurance claims attorneys in Florida, Mississippi, Louisiana, California, and Puerto Rico at (866) 588-0222 to schedule a free consultation and learn how we can help you pursue the outcome you deserve from your insurance policy.