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Homeowners should make some time to look over the limits of their insurance policy. The payout limit on a standard policy may not be enough to cover rebuilding and replacing the contents. This is a common occurrence when homeowners remodel or make significant home upgrades but forget to re-evaluate their policy to make sure these new upgrades are also covered.

Homeowners should know that just because their home is insured, it doesn't necessarily mean the home is covered in full. Homeowners should carefully examine their policy terms as it may only cover interior damage or exterior damage. Supplemental policies may also be worth considering as it can cover storm damage, spoiled food, and storm surge. These policies can help out tremendously as they may cover situations that sometimes go unconsidered.

The homeowner's insurance policy that most Floridians have typically does provide coverage for a flood, and that also extends to insurance for businesses and renters. The Florida Office of Insurance Regulation once reported that nearly a million property owners filed claims related to losses caused by last year's Hurricane Irma, resulting in billions of dollars worth of damage.

An easy and affordable solution to reduce the odds of damaged electronics is investing in surge protectors which provide usefulness no matter what time of the year it is. South Florida is known for its random thunderstorms and they can wreak havoc at any time. Homeowners may also wish to consider protecting their air conditioning unit.

One of the most important things to have during a major storm or hurricane is a disaster supply kit. This kit should include essential items in case of an emergency and there should be enough supplies to last at least a week or so as power outages can last for several days following a storm. The kit should have items such as nonperishable food items, at least a gallon of water per person per day, batteries and flashlights, first aid supplies, and also pet essentials if the homeowner has any.

Alonso Perez understands insurance companies may delay a claim and the hassles involved when trying to receive the money to make repairs. Clients needing assistance with their claims should contact the firm. Alonso Perez represents South Florida homeowners and business owners in first-party insurance disputes including those related to the damage caused by last year's devastating Hurricane Irma.

Last year, Hurricane Irma passed through Florida, leaving billions of dollars in damage behind. There are still cases of homeowners attempting to work with their insurance provider to try and get the money they need to repair the damage caused by the storm.

Hurricane Irma left Florida with billions of dollars worth of damage and many homeowners are still going back and forth with their homeowner's insurance provider trying to get the money they need to help them take care of expensive repairs.

Alonso Perez LLP's insurance litigation services are intended to represent homeowners and business owners across South Florida in first-party insurance disputes. The firm handles property insurance claims such as arson, vandalism, plumbing leaks, and more recently, the extensive damage caused by major storms like this year's Hurricane Irma.

Insurance lawyers like Alonso Pérez LLP are responsible for handling claims and they serve as policyholder advocates by assisting with insurance claim appraisal and negotiation. An independent adjuster, on the other hand, generally serves the best interests of the insurance company.