Regular property insurance just doesn’t cut it in high-risk areas like Tampa. Truthfully, practically all of Florida is grounds for natural disaster at any time of year. You need an extra boost of security to help you in any given situation. Altieri Insurance Consultants Tampa is here to show you where to get it with these top insurance coverage recommendations for high-risk homeowners. Need to file a claim? Reach out to our public adjusters today to make sure you get what you are owed!
Do I Count As a “High-Risk” Homeowner?
Simply living in Florida doesn’t classify you as a high-risk homeowner. You need to meet certain conditions that most Tampa residents just happen to have.
High-risk home insurance is recommended for homeowners who endure intense weather conditions on a regular basis, are often faced with heavy wind and rain, and own an older property that is more prone to damage under these stipulations. While this accurately describes Tampa, high-risk areas are scattered across the country.
Homeowners who live in high-risk areas tend to have higher insurance premiums and stricter policies due to the likelihood of an influx of claims from multiple homeowners soon after a regional natural disaster. These influxes can sometimes result in denied claims in an attempt to manage (and minimize) payouts by the insurance company.
Don’t be left in the mud the next time you need help after a disaster. Get the compensation you deserve in Tampa with these critical insurance coverages:
Homeowners In Florida Need Flood Damage Coverage
Florida is known for its sunny days, but it’s also well known for its floods. With every storm or hurricane comes the risk of high waters in Tampa which makes flood damage coverage essential for homeowners in these high-risk areas. In certain regions, flood insurance is actually required. Find out if your property lands in these Special Flood Hazard Areas (SFHAs) and ask your insurance provider about your options.
It pays to double-check your coverage. Many homeowners in Tampa have made the costly mistake of relying on their regular property policy to find out that flood damage is a separate policy altogether. Such a simple error can alter the course of your life for the worse. Know the difference and purchase a flood policy!
High-Risk Properties In Tampa Call For Wind Damage Coverage
It’s rare for floods to come quietly. High winds are typically by their side to create a complete storm, so you should account for both as a high-risk homeowner in Tampa.
Wind damage claims address windstorm-related issues like torn-off pieces of property or direct impacts caused by flying debris. The closer you are to the ocean, the stronger the wind currents get. As a beachside city, property owners in Tampa should make sure there are no exclusions or carve outs within the wind portion of their property policy.
High-Risk Homeowners In Tampa Confide In Altieri Insurance Consultants!
Complete your insurance coverage needs with a professional policy review from the experts at Altieri Insurance Consultants Tampa! We’ll look over your current insurance coverage and find areas for improvement so you get the correct amount when you file your insurance claim in high-risk areas like Tampa, FL. Our team of public adjusters is ready to handle any case at a moment’s notice, so don’t hesitate to rely on us for all of your needs!
