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Call and speak to one of our agents at 337-824-4455 or click on Crowley Homeowners Insurance to begin your online quote today.
Crowley Louisiana Homeowners Insurance – Falling Tree Limbs Covered?
In a previous article we discovered that Terrance had a large branch from his White Oak Tree smash through his roof causing significant damage.
Terrance was covered by a Broad Louisiana Homeowners Insurance Policy.
Will his insurance policy pay for the damage caused by the tree branch?
Fortunately the answer is yes!
A tree branch falling from a tree will be covered under the falling objects peril under his house insurance policy.
In addition, replacement cost coverage was available under the policy Terrance purchased and he will not have depreciation taken into consideration in his claim settlement as was true of Marcy’s loss settlement from a house fire under the Basic Home Policy Coverage Form she had bought to try to save money on her insurance.
(Please note that not all Broad Home Insurance Policies may include replacement cost coverage)
If you are not sure what type of policy you have purchased please call 337-824-4455 and we will review your coverage at no cost.
Next we will consider the Special Policy Form.
Crowley Louisiana Homeowners Insurance – What Is the Special Policy Form?
So far we have discussed the Basic and Broad Home Insurance Policy Coverage Forms. The Special Home Insurance Policy Coverage Form is superior compared to the Basic and Broad Homeowners Coverage Form as it does not list the perils covering the house itself.
Why is the Special Home Insurance Policy Coverage Form superior?
For a claim to be covered under the Basic and Broad Home Coverage Form it must be listed as one of the covered perils.
If a claim happens and it’s not listed as one of the named perils, coverage would be denied or excluded.
The Special Home Insurance Policy Coverage Form covers all claim events except for what is excluded.
So if a claim occurs and it is not excluded, under the Special Home Insurance Policy Coverage Form it would be covered, which is different from the Basic and Broad Home Insurance Coverage Form.
Therefore the Special Home Insurance Coverage Form is superior to the Basic and Broad Forms.
In our next article will consider a claim scenario to show the difference between the Special and Broad Policy Form.
Crowley Louisiana Homeowners Insurance – Buy from the Specialists!
You can have confidence to trust Jeff Davis Insurance when you need car, home, or business insurance in Crowley Louisiana or the surrounding areas.
We have served the insurance needs of thousands of policyholders for over 50 years in the area.
It’s always important to review your home insurance protection. The worst time to learn something is not covered is after the claim has already occurred.
Call and speak to one of our agents at 337-824-4455 to request a homeowner’s insurance review or click on Crowley Homeowners Insurance to start an online rate quote today.