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Flood Insurance Myths
<p>[cs_content][cs_section parallax=”false” style=”margin: 0px;padding: 45px 0px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ style=”padding: 0px;”][x_video_embed no_container=”false” type=”16:9″][/x_video_embed][cs_text]Flood Insurance is gaining more and more popularity, with the increasing risk of floods related to heavy rainfall or storms. Regions with swamps and slush covered areas are prone to be affected by floods. With a larger number of bodies of water, such as rivers and creeks, these places are more susceptible to flooding. In these types of regions, it is critical to have a Flood Insurance policy.[/cs_text][cs_text]With Florida a great target for storms from the Atlantic, the area is in serious danger from floods. According to the National Flood Insurance Program (NFIP), property in these regions is at equal risk of the floods and related damages, which is why flood insurance is crucial. There are some home insurance policies available on the market, which like any other policy, offers damage coverage in the event of disasters, such as fires and hurricanes. But what these companies do not offer is flood insurance policies. This means that you have to have ... </p>
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<p>The post <a rel="nofollow" href="https://weinsuregroupmiami.com/flood-insurance-myths/">Flood Insurance Myths</a> appeared first on <a rel="nofollow" href="https://weinsuregroupmiami.com">We Insure Group Miami</a>.</p>
The Inevitability of Wind Mitigation Reports
<p>Wind Mitigation Reports are used by the citizens of Miami to get discounts off their premiums from an insurer. Various insurers provide Wind mitigation insurance to house owners situated in coastal areas like Miami. These insurance companies provide coverage for residential as well as commercial buildings in Florida, which protect property against damage from high-speed winds or tornadoes. These insurance companies provide various services like Wind Mitigation, Roofing Certificates, Flood Elevation, and 4 Points Inspection.     Categories of Constructions eligible for Wind Mitigation Inspections Residential Homes (Single/Multiple Family) Commercial Buildings Town homes Cooperatives Houses Companies offer windstorm discounts to building owners if they satisfy the criteria of the insurer. The structures must be constructed to minimize losses to a building from high-speed winds and other wind-related storms, such as hurricanes. The necessary parameters for wind discounts The major elements considered by insurance companies building owners before giving windstorm discounts include: Real outline/ shape of roof Steel-clad Roof Decking Roof Sand Addition Window Shutters/Safeguards Use of Hurricane Clips / Straps Wind Impact Resistant Windows/ Wind Resistant Sticking The Wind Mitigation ... </p>
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<p>The post <a rel="nofollow" href="https://weinsuregroupmiami.com/inevitability-wind-mitigation-reports/">The Inevitability of Wind Mitigation Reports</a> appeared first on <a rel="nofollow" href="https://weinsuregroupmiami.com">We Insure Group Miami</a>.</p>
Flood Insurance: Things that You Need to Know
<p>  Flood insurance is a growing issue in regions that are more susceptible to floods. As a low-lying state, Florida is more prone to floods due to his fact and its abundance of standing bodies of water, such as lakes, rivers, canals, springs, and streams. The city of Miami is particularly full of shallow rivers, lakes and streams. Due to the naturally flat landscape and the proximity of the sewer system to the Atlantic Ocean, areas of this city are more prone to flooding. Homes located near the shoreline are also in equal danger of getting damaged by flood waters. This fact highlights the importance of Flood insurance, which is often overlooked by the residents of Florida. Numerous ensuring companies are not offering Flood Insurance policies, but it is recommended that homeowners take up this insurance policy. Benefits of using this system include complete coverage of potential losses to personal property caused by flood waters. But before using Flood Insurance, you need to know the following things.     Things You Need To Know: Before passing on a flood coverage ... </p>
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<p>The post <a rel="nofollow" href="https://weinsuregroupmiami.com/flood-insurance-things-need-know/">Flood Insurance: Things that You Need to Know</a> appeared first on <a rel="nofollow" href="https://weinsuregroupmiami.com">We Insure Group Miami</a>.</p>
Replacement Cost vs. Actual Cash Value: Do They Secure The Value of Your Property?
<p>Insurance claims have two primary functions, asset protection, and asset compensation for any losses/damage that may occur on or around your property. But you should be aware that your policy might not be as airtight as you would like to think. Most home insurance policies use actual cash value claims on homes for property protection, not replacement value claims. Unless your policy covers replacement value, then your type of security coverage is not an issue.Replacement cost is related to the market value of an asset, as your coverage payment is based on the expense of a similar asset.   Does it Affect Property Value?   Replacement cost value acts to replace a property or asset at a price equal to or greater than the price of the similar asset. On the contrary, actual cash value is the amount you will receive to sell the property, which is the original price minus depreciation.   When filing a claim on a home, an insurance company will calculate a reasonable payment amount. An insurance company will calculate the replacement cost of property compared ... </p>
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<p>The post <a rel="nofollow" href="https://weinsuregroupmiami.com/replacement-cost-vs-actual-cash-value-secure-value-property/">Replacement Cost vs. Actual Cash Value: Do They Secure The Value of Your Property?</a> appeared first on <a rel="nofollow" href="https://weinsuregroupmiami.com">We Insure Group Miami</a>.</p>
Replacement Cost and Actual Cash Value: Which is the Better Method?
<p>The Actual Cash Value and Replacement Cost are used to describe two types of insurance policies related to property compensation. These types of policies are used to cover capital costs, such as for a home, property or any asset used for commercial purposes. When we deduct depreciation cost from an asset’s replacement cost, it becomes an actual cash value claim. The question is, which value is a better method of an insurance claim? When taking up an insurance policy, you should ask your agent about the details.   What is the replacement cost of an asset?   It refers to the cost or value that a property owner will be required to pay to replace an asset. This price or value is related to the current value of assets. In the case of an insurance claim, this replacement cost is used to determine the value of damaged property. This value is used to make a payment against the allegation. This is not the market value of the property, but rather the calculated cost of a similar asset.   What is ... </p>
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<p>The post <a rel="nofollow" href="https://weinsuregroupmiami.com/replacement-cost-actual-cash-value-better-method/">Replacement Cost and Actual Cash Value: Which is the Better Method?</a> appeared first on <a rel="nofollow" href="https://weinsuregroupmiami.com">We Insure Group Miami</a>.</p>
Homeowner’s Insurance: Does It Shield You From Damage?
<p>When an owner buys an insurance policy for their property, they are most likely to believe that their insurance claim will pay for any costs related to damage. However, this may not be the case, as major home insurance policies only cover replacement costs for the actual building, not any relevant personal contents. Unless it mentioned in the claim, these articles are covered by an actual cash value claim rather than replacement cost.     Home Insurance:Replacement Cost vs. Actual Cash Value   When a policy holder files a claim for home insurance, the insurance firm calculates the claim amount with the replacement cost of the property in mind. That includes any newer property of similar nature and quality. If their policy covers the property under actual cash value, then final value will be the current cost of the property minus the respective depreciation amount of the property. This amount is significantly less when compared to the-the required replacement cost.   If the property is under a replacement cost claim, an insurance firm will pay the-the full cost of a ... </p>
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<p>The post <a rel="nofollow" href="https://weinsuregroupmiami.com/homeowners-insurance-shield-damage/">Homeowner’s Insurance: Does It Shield You From Damage?</a> appeared first on <a rel="nofollow" href="https://weinsuregroupmiami.com">We Insure Group Miami</a>.</p>
Insurance Companies: The Truth Behind Claim Processes
<p>  When a homeowner buys an insurance policy for their home, they are paying to protect both their dwelling and its contents.There are two classifications of payment made by an insurance company in case of any damage to these two types of property: Replacement cost and actual cash value. There is the very significant difference these two categories of claims, especially in the case of primary or total damage. Therefore, a policyholder must understand the process behind these two applications before choosing a plan.   About Insurance Claims: Replacement Cost vs. Actual Cash Value   Replacement Cost and Actual Cash Value are two types insurance alleges that cover personal property that may be lost or damaged. The significant difference between the two comes into play when an insurer pays the related costs for each claim.   Actual Cash Value:   This type of policy pays for an item with an amount equal to the original value of an item minus its depreciation factor.   As an example, take a television set purchased about five years ago, which estimated at $1,000. ... </p>
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<p>The post <a rel="nofollow" href="https://weinsuregroupmiami.com/insurance-companies-the-truth-behind-claim-processes/">Insurance Companies: The Truth Behind Claim Processes</a> appeared first on <a rel="nofollow" href="https://weinsuregroupmiami.com">We Insure Group Miami</a>.</p>
Flood Insurance Q & A Video
<p>The post <a rel="nofollow" href="https://weinsuregroupmiami.com/flood-insurance-q-video/">Flood Insurance Q & A Video</a> appeared first on <a rel="nofollow" href="https://weinsuregroupmiami.com">We Insure Group Miami</a>.</p>
Why is Flood Insurance A Wise Investment?
<p>[cs_content][cs_section parallax=”false” style=”margin: 0px;padding: 0px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ style=”padding: 0px;”][cs_text]Floods are considered to be one of the most common natural disasters that can cause damage to property. These disasters often come without any warning, especially when it comes to property near any large bodies of water. This natural disaster can cause severe damage to personal items and property, which can be worth millions of dollars in repair costs. For this reason, the issue of Flood Insurance is rising rapidly. Flood insurance is not only common in Miami homeowner policies, but is available to any area where floods can occur. As this policy is not a standard part of insurance, homeowners can end up with the huge repair costs that come with water damage. These huge repair costs can be eliminated with the simple solution of a Flood Insurance Policy.[/cs_text][/cs_column][/cs_row][/cs_section][cs_section parallax=”false” style=”margin: 0px;padding: 0px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/2″ style=”padding: 0px;”][x_raw_content][/x_raw_content][/cs_column][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/2″ style=”padding: 0px;”][x_video_embed no_container=”true” type=”16:9″][/x_video_embed][cs_text class=”cs-ta-center”]We Insure Group Miami weinsuregroupmiami.com Phone: (786) ... </p>
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<p>The post <a rel="nofollow" href="https://weinsuregroupmiami.com/flood-insurance-wise-investment/">Why is Flood Insurance A Wise Investment?</a> appeared first on <a rel="nofollow" href="https://weinsuregroupmiami.com">We Insure Group Miami</a>.</p>
Home Insurance: How To Keep Your Property Safe
<p>[cs_section id=”” class=” ” style=”margin: 0px; padding: 0px; ” visibility=”” parallax=”false”][cs_row id=”” class=” ” style=”margin: 0px auto; padding: 0px; ” visibility=”” inner_container=”true” marginless_columns=”false” bg_color=””][cs_column id=”” class=”” style=”padding: 0px; ” bg_color=”” fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”2/3″][cs_text id=”” class=”” style=”” text_align=””]The most valuable asset to a homeowner is their personal property, which includes a home and its related contents. Personal property must be insured to keep it safe from any future damage related to unwanted disasters such as natural fires or thunderstorms. [/cs_text][/cs_column][cs_column id=”” class=”” style=”padding: 0px; ” bg_color=”” fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/3″][x_image type=”none” src=”http://weinsuregroupmiami.com/wp-content/uploads/2015/11/water-restoration-portland-carpet-cleaning.jpg” alt=”” link=”false” href=”#” title=”” target=”” info=”none” info_place=”top” info_trigger=”hover” info_content=””][/cs_column][/cs_row][cs_row id=”” class=” ” style=”margin: 0px auto; padding: 0px; ” visibility=”” inner_container=”true” marginless_columns=”false” bg_color=””][cs_column id=”” class=”” style=”padding: 0px; ” bg_color=”” fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″][cs_text id=”” class=”” style=”” text_align=””]Would you be able to completely rebuild your property without any support from the insurance company? If the answer is no, then you are not alone. There are several people in Miami who have selected homeowner’s insurance and have been successful in maintaining their homes without any problems. These insurance ... </p>
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<p>The post <a rel="nofollow" href="https://weinsuregroupmiami.com/home-insurance-property-safety/">Home Insurance: How To Keep Your Property Safe</a> appeared first on <a rel="nofollow" href="https://weinsuregroupmiami.com">We Insure Group Miami</a>.</p>
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