Even though Hurricane Matthew’s exact path is still uncertain it is better to be prepared than to be caught without a plan! Harry Levine Insurance is here for you if and when the storm strikes. As insurance professionals our job is more than just showing up to the office every day. Our job is to be there for our clients when they are in their most difficult moments.
We urge you to adopt a Hurricane Preparedness Plan (see below). We urge you to monitor the storm. We urge you to take photos of your home and belongings and to find your insurance policies. Keep them dry and safe! You will find a listing of all of our insurance company partners’ claims contact information here on our website. Please make a note of your carrier’s contact information. Read more →
A stranger knocks on your door. You apprehensively answer. They tell you that they can get you a entirely kitchen worth $25,000 or more if you’ll let them inside. You laugh, say it’s too good to be true and send them on their way. So why do people allow those making such outrageous claims to climb on their roofs, have access to their insurance policy information, and ultimately to involve them in a rapidly growing fraud scam? I suppose it’s because they aren’t be asked to actually invite the perpetrators in, but they are being promised a new roof typically valued anywhere between $10,000 and $40,000.
Insurance is there to protect homeowners from sudden and accidental damage. Unlike a home warranty or maintenance contract, insurance does not cover wear and tear or an item reaching the end of its useful life. Insurance is designed and priced to repair or replace a roof if a tree falls on your house, a hail storm causes damage or another sudden, accidental and unforeseeable event damages your home. Unfortunately, opportunistic and criminally liable contractors are looking for homes with shingle roof at or around 15 years old all over Florida. These roofs are naturally reaching the end of their lives, and most homeowners dread having to purchase one from within their household budget. Knock, knock… Read more →
Q. Why is my insurance company telling me my roof is too old and that I need to replace it? It looks fine to me!
A. Keeping a comfy roof over your head is one of peoples’ highest priorities no matter where they are. When it comes to homeowner insurance roofs can quickly become a lot more complication than just shingle or tile. Insurance carriers have detailed data on how long roofs are expected to last, what are the most common causes of roof related claims, and which types of roofs tend to work best. Read more →
I would like to thank one of our agents, Kathy Barton, with suggesting this question for our blog. This is a very specific question and if you have any questions on what exactly your policy covers make sure to call your agent.
Q. I just went grocery shopping and filled my deep freezer and refrigerator right before the big storm hit. My power has been out for 2 days and all the food has spoiled. Will my homeowner’s insurance cover this?
A. Your homeowner insurance may very well cover for spoilage of refrigerated property due to off premises power failure. However, this is usually only by a special add-on that incurs an additional premium. That means that you must request and pay for this specific coverage. It is not part of most standard homeowner policies. When reviewing your policy you should ask your agent what upgrades or optional endorsements, like spoilage coverage, are available through your homeowner insurance company.