Water Damage Control Tips for Miami Residents.

 

Your duties when water damage occurs in your home?

• Damage from water and bacteria growth can begin within 72 hours. Call for professional help.
• Remove as much water as soon as possible by mopping and blotting.
• Remove wet area rugs or other floor coverings not permanently
  attached.  Do not attempt to start removing your wall-to-wall carpet.
• Lift draperies off the floor, loop through a coat hanger and place the hanger on the drapery rod.
• Wipe furniture, prop up wet furniture cushions for even drying and place aluminum foil under furniture legs.
• Move photos, paintings and art objects to a safe and dry location.
• Open drawers, closet and cabinet doors to enhance drying.
• Do not remove books from shelves.  Rather pack them tightly to prevent warping of pages until a restoration professional can begin this specialized drying.

Dos and Don’t when you experience water damage in your home:

• Do not use a regular household vacuum to remove water.
• Do not lift tacked-down carpet without professional help.
• Do not use electrical appliances while on wet carpet or flooring.
• Do not disturb or try clean up a visible mold.
• Do call the Agent office same day for instructions.
• Do not enter a room with standing water until electricity has been turned off.

Call G. Zein Insurance Services for more details about water damage prevention, at (954) 454-9599. We are here to help you mitigate your losses.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Home Insurance in Miami.

Living in Florida has its advantages, but also has many concerns. As a homeowner, having a home insurance policy to protect your valuable possessions is important. Although Florida is a beautiful place to live, residents must deal with Florida hurricane and flood hazard, often depending on what part of the City you live in. Finding a reliable homeowners insurance policy that pays your claim when needed can be tricky and time-consuming.

Do I need a home insurance policy in Miami?

If you are a homeowner in Miami Florida, having adequate property coverage should be a high priority. The State of Florida is known for its inclement weather conditions, which could leave your property vulnerable to a hurricane, water damage and flood damage. Being so close to the coastline, it is normal to have a strong wind and storm. Making sure you will be reimbursed by your insurance policy for any damages to your property as a result of strong wind gusts can keep you from sustaining substantial financial losses.

What coverage is included in Home insurance Policy?

Each policy is different. Standard (HO-3) home insurance policy includes:

• Dwelling
• Contents.
• General Liability.
• medical payments.
• Loss of use.
• Other structures such as a garage, pool, and fence.

If your home is located in a hurricane zone area, a reliable homeowners insurance obtained from G. Zein Insurance Services is a necessary expense to preserve your home. keep in mind that flood insurance is not covered under standard fire policy, therefore it can be purchased as a separate policy.

Home Insurance in Miami Florida.

While many people think that homeowners insurance policy is only required during hurricane season, or if it is mandatory by the mortgage company, however, there are many other unforeseen risk such as tropical disturbances that are not as lethal as a hurricane but can cause severe damage to your home. Heavy rain and wind associated with this disturbance can cause extreme flooding and property damage, leaving residents at risk. Having the best home insurance protection, can work to your advantage when you least expect it.

Being protected financially is a high priority. Although it may seem like an extra expense to have homeowners insurance in Miami, it is policy protection you do not want to go without it. With so many State regulations changing in Florida, doing your research is the key to protect your property possessions. Make sure every homeowners’ insurance policy you are considering to acquire, has adequate coverage for fire, water damage, and wind protection. Don’t get caught off guard by Florida’s beauty.

Pick up the phone and call us today for a Quote.

Get the right Miami homeowners insurance coverage today, call G. Zein Insurance Services today, a home insurance agencies in Miami Florida at (954) 454-9599, we are here to help you get proper coverage and save you  money.

ALL INQUIRIES ARE WELCOME.

It is estimated that one or two hurricanes hit Miami Dade County every year. When these extreme weather events do make landfall, they barrage the coastal states with heavy rains and high winds that cause severe damage to homes and commercial buildings.

Miami residents should be familiar with the destruction caused by Hurricane Michael in October 2018. This event featured wind speeds up to 160 mph and cost an estimated $25.1 billion in damages across the east coast.

However, it certainly won’t be the last time Miami sees extreme weather on its otherwise sunny shores.

Keeping your home safe from Hurricane damages:

There are many ways to reduce the likelihood of your home being damaged during a hurricane. You can cover or brace your windows to prevent rain from entering your home, also you can place sandbags around your home entry-ways to keep storm water out.

However, despite your best efforts, there’s no beating mother nature sometimes. If your home does get damaged by a hurricane or high winds, you may need to spend a significant amount on repairs and recovery. For this reason, it is recommended to carry Hurricane Insurance from a reliable insurance company.

Protect your property in Miami with hurricane and wind insurance:

Miami residents should purchase hurricane and wind insurance to protect their homes in the future. After all, the city of Miami has over 791,000 properties that are vulnerable to flooding. This number is greater than that of any other metropolitan city in the U.S.A.

The damage posed by a hurricane can be unpredictable, so you will need a good hurricane and wind insurance coverage to recover your losses following such an event. Let’s look at the various types of hurricane and wind insurance in Miami.

Homeowners Hurricane insurance

Hurricane coverage is provided as standard coverage in many home insurance policies. The Homeowner’s hurricane insurance covers damage to the property itself and the contents inside. However, Miami residents may need to purchase additional hurricane coverage that comes with a 2%, 5% or 10% deductibles.

Renters Hurricane insurance

If you do not own a property and are renting one instead, your landlord will be responsible for covering any damage that occurs to the building you are staying in. Unfortunately, this means your personal property inside the building won’t be covered by your landlord. In this situation, you will need a separate renter’s insurance policy.

Condo Unit Hurricane Insurance

If you reside in a residential Condominium building, your Association’s master insurance  policy should cover any damages that occur to the building itself or so-called common area. All condo residents contribute to this policy through their homeowner’s association fees.

Condominium Association Insurance does not cover any damage the hurricane does to your interior condo. This includes damage to the walls, floors, ceilings, and items within your four walls.

As you can see, there are many reasons to purchase wind and hurricane insurance. Miami residents should ensure their properties to have adequate Hurricane insurance coverage as you never know when a hurricane may damage your properties.

For any questions or you want to check our rates, feel free to call us at (954) 454-9599. We are here to help you!