Category: Insurance

byphineasgray

The simple act of slipping and falling does not necessarily mean an attorney will be necessary. However, hiring a Slip And Fall Attorney in Silverdale is essential sometimes. Perhaps the most important sign a slip and fall lawyer should be called is the serious injury. Generally, this means the type of injury that required a hospital stay, multiple visits to the doctor, or some type of ongoing rehab or therapy. A person who slipped and fell but never experienced any particular physical issues afterwards is far less likely to be able to build a strong slip and fall compensation case.

Another sign indicating a call to a slip and fall lawyer is the right course of action is when the location of the fall was on another person’s property. A fall on your own property is something that you are typically responsible for as a homeowner. However, if the slip and fall happens at another person’s home or at a local business, that owner is responsible for your injury. This means that the owner of the property will have to compensate you for medical bills as well as pain and suffering you experience related to the injury. This money typically comes directly from a commercial insurance policy in the case of businesses and from a homeowners insurance policy in the case of individuals.

If you try to get proper compensation for your injury immediately after it occurs and are met with resistance, that is a strong indicator the intervention of a skilled personal injury lawyer is going to be required. Although the insurance company representing the property owner is unlikely to respond to an individual with a great deal of concern, or even any real alacrity, it is completely different when a lawyer becomes involved.

Insurance companies know personal injury lawyers are willing to push the case as far as necessary, even to court. This means that the insurance company becomes far more cooperative about paying out settlements when they know a lawyer is helping you. If you need a Slip And Fall Attorney in Silverdale, consider contacting Anthony C Otto. He is an experienced attorney who has worked in the area of personal injury for years with great success rates.

Submitted by: Rhegie Taylor

All homeowners need homeowner’s insurance to protect their investment and cover any losses for damages sustained. A Fort Lauderdale FL insurance broker can help you get started. But in the meantime, here are ten things every homeowner needs to know about their insurance coverage and its limitations:

What is Covered

A typical homeowners policy will pay for damage to your property and your possessions if they are damaged or destroyed in a fire or are stolen. Homeowner’s insurance is also used to protect belongings outside the home- if your car is broken into and your radio stolen your auto insurance policy will not cover it but your homeowner’s policy likely will.

What is Not Covered

A standard policy has exclusions that will not be covered by the policy. Some generally standard exemptions are earthquakes and floods, which require a separate policy to cover these high cost “acts of God.” Some locations will have specific exemptions due to weather and environmental issues, for example, Florida often exempts hurricanes or wind damage.

Shop Around

Before you decide on what policy you want and commit, it is important to take the time to research before you buy. Check the policy details but you also want to find an agent whom you trust. Far too many homeowners just shop for a policy but it just as important to make sure you have the best agent.Fort Lauderdale, FL Insurance Brokers can help make this process easier!

Preventive Actions Reduce Premiums

According to several studies homeowners can do a lot to help lower their deductible and monthly costs simply by making safe preventative moves. Insurance companies price your premium on how big of a risk you seem, so you can reduce the premium by reducing those risks. Alarm systems and fences around pools are examples of two big saving changes.

Replacement Coverage vs. Market Value

There are a few very important distinctions that every homeowner should know when looking at the terms and premiums of their policy: “replacement cost” versus “market value.” Replacement cost covers repairing or replacing your entire home. Market value is the cost to buy your home and accompanying land in its current condition. The difference can be extreme!

File a Claim Right Away

Many plans have a claim time frame. This means there is only a set amount of time you can file a claim and have it covered. If a storm breaks a window and causes water damage and you fix the window yourself and do not call the insurance company within the specified time, you will be reasonable for future damage resulting from the dame-mold for example.

Write Everything Down

Document everything. Every payment, every claim, and every aspect of any damage that occurs that you file a claim on. It is your word against theirs and you need to be able to prove everything that has happened to your home and belongings. Don’t have a safe? Not thrilled about lots of papers in boxes? Consider keeping digital copies online!

About the Author: You can trust this website,

alexandergreep.com

to put you in touch with professional Fort Lauderdale FL insurance broker area today. To get a free estimate from the company, log on to http://www.alexandergreep.com.

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