Living in Daytona Beach, amidst the sparkling ocean, the sandy beaches, and the lush natural beauty, one may get lulled into believing that there are no adversities in life. While employment opportunities abound and real estate is booming, do remember to protect your home with a good homeowner’s insurance policy when living in Daytona Beach.
It’s best to opt for a comprehensive homeowner’s insurance policy as it covers a host of perils except those mentioned as exempt, like flooding, earthquake, and intentional acts. Such an insurance policy is an HO-5 policy, an ‘open peril’ policy, and may be more expensive than other policies. A standard homeowner’s insurance policy protects your dwelling (home), detached structures, personal belongings, additional living expenses, personal liability, and guest medical payments. Therefore, you can expect protection against natural disasters and other perils like theft, vandalism, plumbing leaks, water damage, and electrical damage, etc.
How can I identify electrical damage? What are its consequences? How can I avoid it?
There are some simple tips to identify electrical damage easily. Please keep an eye on your monthly electricity bill. If there is an unusual spike in the bill, you have consumed more units of electricity than normal. This is a sure sign of leakage due to faulty appliances. Also, if your lights flicker, it could mean a loose connection which could start a fire if left unattended. You must immediately call an electrician and have your wiring checked before it leads to serious problems.
Consequences of electrical damage could be immediate, like an electric shock which could even cause bodily harm. A short circuit can cause a fire which can damage your property.
If you read the signs correctly, you can avoid the consequences of electrical damage. Some of these are electric shocks, sparking, and switches that don’t work. Better still, you should carry out regular maintenance of all your electronic appliances as well as your home’s wiring to ensure that it’s working properly. Using circuit breakers and surge protection devices can prevent electrical mishaps. Things can go wrong unexpectedly as disaster strikes. Homeowner’s insurance protects you, and that’s why you need to be prepared with a complete inventory of your personal items, updating it regularly.
While we expect that having homeowner’s insurance will cover all the damage in our home, you’ll be surprised that the insurance company may avoid paying when you register a claim. Their objective is to control payouts so that they make better profits. As a result of this, when field adjusters from your insurance carrier visit your home to inspect the electrical damage, they may do it superficially. So, it becomes important for you to be present during the inspection as well as have the knowledge of all the possible areas of electrical damage. As a layperson, you may not have the time or the skill set to do this, so it would be a good idea to contact a public adjuster who will complete this complex yet sensitive work for you.
When you’re looking for help filing an electrical damage insurance claim in Daytona Beach, you will find Experienced Public Adjusters your best bet.