Problems That May Void Your Home Insurance In Florida

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Home insurance covers a wide range of damage to your home, but many homeowners are unaware that they may be doing things that could cause their insurance to be voided, especially in Florida. That’s why E.S.T.I.R. Inc. (who serves a wide range of areas, including as far south as Florida all the way up to Newark, New Jersey) is here to inform you of a few ways you might accidentally void your home insurance.

Inaccurate Information On Your Application

Whether you purposefully or accidentally put inaccurate information on your application (such as failing to mention certain problems plaguing your home), doesn’t matter: it can still void your home insurance. Read over your application several times to check for inaccuracies before signing.

Multiple Claims

Home insurance agents often get suspicious if you make multiple claims over a period of a few years. In Florida, this may come in the form of claims for damage from hurricane or even underground termites. This might lead the insurance agent to suspect negligence and void your claim or policy in response.

No Receipts On Claimed Items

Your policy will cover the items in your home, but if you don’t have receipts for them, you can’t prove their worth. As a result, most Florida insurance agents will simply void your claim, causing you to suffer severe losses as a result. Keep your receipts in a safe to protect them from damage.

Suspected Deliberate Damage

If your insurance agent expects that you may have caused deliberate damage to your home, they will not only void your claim, but likely your policy. Even worse, they may turn you into legal authorities for fraud. It’s important to prove that the damage caused was not deliberate, such as by including eye-witness testimony, in your claim.

If you are worried that you may have performed any of these problems on accident, please contact us at E.S.T.I.R. Inc. We can help people like you from Florida all the way to Newark, New Jersey get the home insurance coverage that they deserve. We’ll make sure you don’t make any of these unfortunate mistakes.