Does Renters Insurance Cover Hurricane Damage?
Hurricane Insurance for Florida Renters: What You Need to Know
Hurricanes are a part of life in Florida, but that doesn’t mean renters always know how to protect their property—or whether they’re even covered. If you’re wondering, "Does renters insurance cover hurricane damage?"—you’re not alone. This guide breaks it down in plain English, so you know exactly where you stand before and after the storm.
What This Blog Covers:
What renters insurance typically includes (and excludes)
How hurricane damage is handled in Florida
Real-world examples of covered and non-covered losses
What steps to take after a hurricane hits
How Shoreline Public Adjusters can help with denied or underpaid claims
Do Homeowners Associations Need Insurance? Complete Guide to HOA Insurance Coverage
What is HOA Insurance and Why Do HOAs Need It?
Understanding the Purpose of HOA Insurance Homeowners associations (HOAs) are responsible for maintaining common areas and shared spaces within a community. To protect these areas from damage and mitigate liability risks, HOAs typically purchase HOA insurance, also known as a master policy. This insurance covers common elements like clubhouses, pools, lobbies, and walkways, shielding the association from financial loss if accidents, damage, or lawsuits occur.
When Does Hurricane Season Start in Florida?
What You Need to Know About Florida's 2025 Hurricane Season
Florida residents know that when summer rolls around, hurricane season is never far behind. But exactly when does hurricane season start in Florida? And more importantly—how can you prepare?
In this blog, we’ll break down:
The official start and end dates of Florida’s hurricane season
2025 hurricane season forecasts
Peak periods of activity
How residents of Collier County, and throughout Florida, Minnesota, and Wisconsin, can prepare
Why Shoreline Public Adjusters should be your go-to resource when a storm strikes
Do I Need a Public Adjuster After Hurricane Damage in Naples, FL?
Hurricanes are a harsh reality for Florida residents, especially those living in coastal communities like Naples. When the storm clears and the damage is done, one question often arises: Do I need a public adjuster after hurricane damage in Naples, FL?
In this blog, we’ll break down exactly what a public adjuster does, why hiring one can be a game-changer after a hurricane, and how to decide if it's the right choice for your specific situation. If you're dealing with roof leaks, flood damage, or property loss, this guide will help you make an informed decision.
Common Mistakes to Avoid When Filing Insurance Claims
Filing a home insurance claim can be a stressful and confusing process, especially in the aftermath of a disaster. Whether you're dealing with hurricane damage in Florida, winter storms in Wisconsin, or severe weather in Minnesota, homeowners often make costly errors that can delay or even result in the denial of their insurance claims. In this blog post, we’ll walk you through the most common mistakes to avoid when filing insurance claims so you can protect your property, your finances, and your peace of mind.
You’ll learn:
The top mistakes homeowners make when filing claims
Why some claims get rejected
How to avoid errors during the insurance claim process
What to do when submitting property damage claims
Will a Hit-and-Run Claim Raise My Insurance?
Being involved in a hit-and-run accident is stressful enough without having to worry about how it will impact your car insurance. Many drivers wonder: Will filing a hit-and-run claim raise my insurance? The answer depends on several factors, including your insurance policy, state laws, and whether the at-fault driver is identified. In this article, we’ll break down how hit-and-run claims work, whether they affect your insurance rates, and what you can do to minimize potential increases.
Are Insurance Proceeds for Property Damage Taxable?
When disaster strikes—whether it’s a hurricane, fire, or another unexpected event—insurance provides financial relief to cover property damage. However, a common concern among homeowners and business owners is whether insurance proceeds for property damage are taxable. In this blog, we’ll break down the tax implications of insurance payouts, what the IRS considers taxable, and how to protect yourself from unnecessary tax liabilities.