Does Homeowners Insurance Cover Damage Caused by Hurricanes?

Clermont, FL residents understand the risks associated with being in a hurricane. What many don’t realize is that their homeowners’ insurance may not cover hurricane damage. At Singh Insurance and Financial Services, LLC, the agents are able to evaluate existing insurance policies and help homeowners’ get the coverage they need to protect their home and property fully.

Hurricane and Flood Insurance

Hurricane and flood insurance are types of policies that are typically sold separately. Basic homeowners’ policies do include coverage for certain types of weather damage. Hurricanes and floods are somewhat different. Florida residents who choose to live in Florida know the risk that a hurricane will hit their home is incredibly high. The same is true for flooding. This increased risk warrants a separate policy for each type of event. 

Discuss Your Options With Your Agent

Everyone has different insurance needs. When determining what type of homeowners’ policy for your property, you will need to decide the level of coverage you are most comfortable with. Discussing your options with your agent will ensure you have the coverage you want for your home and property. This isn’t a decision that should be taken lightly. Ask plenty of questions and listen closely to what your agent says.

At Singh Insurance and Financial Services, LLC, residents who live in Clermont, FL are getting the answers they are looking for when they ask about hurricane insurance and whether it is a necessary addition to their homeowners’ policy. Take a few minutes and speak to one of the reputable agents. With their insight and experience, they will be able to give you the advice you can trust when it comes to keeping your home fully insured and protected.

Exploring What Wind Mitigation Inspection Insurance Entails

Singh Insurance and Financial Services, LLC is proud to serve the Orlando and Clermont, FL community, as well as the surrounding areas, through providing residents with different types of insurance coverage. We strive to establish trust with every one of our clients so that they can feel protected every day.  

Wind Mitigation Inspection Overview

Wind Mitigation Inspection centers around an inspector analyzing different parts of your home to judge the property’s wind-resistant features. Based on the results of the inspection, you can amend your insurance policy. As a Florida resident, the inspection is crucial because of the high likelihood that a natural disaster may impact your area at some point.

Analyzing The Roof

The inspector will thoroughly check your roof. They’ll look at your roof covering, the material that your roof is made of, and inquire about the last time that your roof was replaced. The inspection will also analyze the shape of your roof to determine if it is built to withstand powerful winds.

Water Buildup

The inspection will analyze whether your roof has a protective layer to prevent water from building up under the surface.

Roof Deck

The inspector will closely examine the strength of the foundation that attaches the roof deck to the rafter and the walls of your home. The inspector will also check to make sure that you comply with the Florida Building Codes.

Additional Openings

The inspector will check to see if there are any openings thanks to an entry door to see if any flying debris may damage your home. The inspector may also check your garage door.

Singh Insurance and Financial Services, LLC Can Help You

For more information on how to prepare for a wind mitigation inspection and how it impacts your policy, please stop by our office in Clermont, FL.

Tips To Help Teen Drivers Practice Safe Driving

For most teenagers, a driver’s license is the rite of passage from childhood to adulthood. The license is a symbol of independence and freedom. When adding a teen driver to your family policy keep in mind that not all teens mature and develop at the same age mentally and physically. This plays a big part in responsible driving and complex physical maneuvers.

Here are a few tips to put into action as your new teen driver starts their journey.

  1. Assess your teen’s capabilities. Know their mental and physical limitations that affect coordination and movement of arms, legs, and eyes. Assess their mental capabilities and response to distraction and response times. Feeling confident about their capabilities is important before putting them on the highway.
  2. Pick a safe car. Putting a new teen driver behind the wheel of a fancy sports care right off the bat may not be the best idea. Some teens who are insecure may feel safer in a mid-size or larger car.
  3. Enroll your teen in a safe driver program. If your teen does not take driver’s education in school find a private driving course.
  4. Discuss the dangers of distracted and impaired driving. Have a firm discussion about cell phones, texting, and talking on a phone while driving. Also, discuss distractions from the radio, music, and other sources of distraction.
  5. Make sure your teen driver is well versed in all working parts of the vehicle. Teens should have a clear understanding and working knowledge of:
  • Starting/turning off the engine
  • Mirror adjustments
  • Dashboard controls
  • Turn signals and Headlights
  • Wipers and Emergency lights
  • Parking brake/release

A few basic driving tactics your teen driver should master is:

Keeping a safe following distance, approaching of congested areas, slow down for crosswalks, changing lanes and merging into traffic, determining and using the right of way.

Spending time with your teen driver will help make the driving process smooth and will ensure a safe start to their driving future.

What does umbrella insurance cover?

Umbrella insurance is an additional insurance policy that offers coverage above and beyond standard insurance policies. It also provides more protection than existing limits and coverage options of other policies. It can provide coverage for things, such as injuries, property damage, certain types of lawsuits, and even personal liability incidents.

How does an umbrella insurance policy work?

An umbrella insurance policy is designed to assist you in protecting your assets and your future in two very important ways:

Umbrella insurance can provide coverage after your auto, boat, or home insurance policy limits have been used to their limits.

Umbrella insurance provides coverage for things that other types of insurance policies do not offer, such as claims for a false arrest, libel and slander, and liability coverage for rental houses, apartment, condos, or mobile homes you may own.

What does umbrella insurance cover?

Umbrella insurance can cover Injuries to guests sustained on your property or due to an accident that is your fault, property damages caused by you, or that you are accused of causing, certain types of lawsuits, and personal liability incidents.

Bodily injury claims that umbrella insurance will cover can include injuries caused to another by a dog you own, a serious auto accident after your auto insurance has reached its limits, and injuries to a guest that they sustained while on your property.

Umbrella policies can be obtained to cover your home or business and is a great way to provide not only extra insurance coverage but extra peace of mind. To obtain an umbrella insurance policy that works best for you and your situation, you need to enlist the help of an experienced insurance agent. The umbrella insurance agents at Singh Insurance and Financial Services, LLC in Clermont, FL are ready to assist you.

Home Safety Tips & Your Homeowner’s Insurance

Home should be the one place where everyone in your family feels safe and secure. Your home should reflect your family’s lifestyle. We work hard for our home and it should be protected.

Unfortunately, it’s a fact of life that there are bad people who want to do us harm and steal our treasured possessions. Whether we’re tucked into bed or heading out for a vacation, by taking a few small steps, you can ensure your family and your home remain safe.

•Lock-up – Check doors and windows for security and keep locked when not in use. Installing alarms or ourdoor lighting can help protect against unwanted burglars.

•Establish a Routine –Use timers to keep up the appearance of a routine inside the home. Lights and music/TV should go on at a regular time each time, regardless of where you are. When you leave home you can leave lights on to give the appearance of someone being home.

•Go High-Tech – There are great options for affordable home security. From security cameras which can broadcast your home from an app on your phone to full-house systems with central monitoring, a home security system is affordable and easy to install.

•Don’t Broadcast –Social media is one of the easiest ways for the bad guys to find out your plans. They watch for vacation pictures and “check-ins”. Keep your plans off the Internet and make sure only true friends can see your posts. It’s easier than ever for you to keep your family and your home safe.

•As you purchase new electronics or home furnishings update your homeowner’s insurance to have adequate coverage.

Follow these few tips and explore the many new ways to secure your home. If you have any questions about protecting your home call us today.

Does my boat insurance cover my personal belongings, like my phone and wallet?

You probably assume that you are covered if anything happens while you are out boating if you have already purchased boat insurance through Singh Insurance and Financial Services, LLC. Living in Clermont, FL means having access to great weather and water, so you do what you need to do to make sure you have the protection you need when you are out boating.

Your insurance agent probably offered you multiple deductibles and maximum coverage levels, because no two people are in the same situation. If you have a fancier boat, you will need more coverage. Even if you don’t have an expensive boat, you want to make sure that you won’t have to pay out of pocket if someone else is injured while you are boating.

But your primary coverage, which includes liability protections, probably doesn’t cover all your personal possessions. If you want to get the right protection, you can simply add on to your existing coverage. Personal effects and fishing equipment policy will protect your personal possessions, such as your phone, fancy fishing gear, and other possessions you bring with you while you are boating. Everything from clothing to bait boxes to sporting goods can be covered under this policy.

At Singh Insurance and Financial Services, LLC, we try to make sure every customer has the protection they need. Beyond basic coverage for common claims like property damage and theft, we can help you choose your level of protection for personal injury, fuel spills, and anything else you think is a concern. If you are involved in a lawsuit, your insurance may even cover legal fees. If you have any questions or would like to add more coverage to your Clermont, FL policy, please give us a call today.

How to Prepare for Hurricane Season

Floridians know how important it is to be prepared for hurricane season. Floridians are no stranger to life-threatening winds, flooding, and property damage. The first thing every homeowner should do is check your homeowner’s insurance policy before the hurricane season starts.

There are many steps to prepare for hurricane season which begins June 1st and goes through the end of September.

Here are some of the preparations for the home outdoors.

Remove outdoor items
Trim dead branches from trees
Board up windows
Fill gas tanks and extra containers
Get extra cash
Move furniture away from windows
Store important documents in waterproof containers
Extra supply of medicines
Prepare for the needs of pets

Other preparations are for safety in your home while riding out the storm. If you are not confident that your family is safe at home, make arrangements to go to a hotel or a local shelter. Here are some things you will need to do to be ready for the storm.

Here is a list of items residents should have on hand during any emergency.

Bottled water (1 gallon/person/day) 
Bottled juice
Two coolers: One for drinks & one for food
Canned foods
Manual can opener
Dry pet food
Medic-alert tags
Insect-repellent sprays
Feminine hygiene items
First aid kit
Prescription medication
Over-the-counter medication
Children’s medicine
Adhesive tape
Antiseptic solution

If you are having an actual emergency please dial 911 immediately. Please be aware of and publish all emergency contact numbers.

This article from the Insurance Information Institute shares more information regarding being prepared for hurricane season. Read Here

How to Get Flood Insurance That Covers Your Valuable Possessions

If you live in an area that is prone to flooding, you will likely want to get some kind of insurance coverage. Since this type of insurance is not part of standard homeowners’ insurance, it will need to be purchased separately. You may even be required to have flood insurance if you have a mortgage and live in a flood zone. It is crucial to understand different types of coverage and what is included in the policy when purchasing insurance. Singh Insurance and Financial Services, LLC of Clermont, FL can help you choose a policy that will help cover damages and loss of valuable possessions. 

Coverage for Your Possessions

Floods can devastate your home, and high-value possessions are susceptible to loss and damage in the event of this disaster. The best reason to get private insurance is that claim limits can be higher. If you have many valuable possessions and they are worth $100,000 or more, this type of insurance can make good sense.

Shorter Wait Time

Another reason that choosing a private insurance company can be beneficial is that the wait time can be shorter for insurance to become active. Typically, private insurance is effective 14 days from purchase, whereas the government NFIP insurance can take 30 days to activate.

Choosing the Right Policy

You can get flood insurance in two ways: through the National Flood Insurance Program and a private insurer. There are pros and cons to consider, so it is best to learn about these types of insurers.

If you are in need of quality flood insurance, the agents at Singh Insurance and Financial Services, LLC of Clermont, FL are here to help. Give us a call today to set up an appointment with one of our representatives.


3 Reasons to have Comprehensive Auto Insurance in Florida

Insurance regulations vary from one state to another, and it is important that you have the right knowledge and the information on hand so that you can make an informed decision about what type of insurance you need on your vehicle in the State of Florida.

Despite the fact that Florida law requires all licensed drivers to only carry minimum personal injury protection and liability insurance as it’s a no-fault state, here are a few reasons to have comprehensive insurance on your vehicle.

1.     Florida’s Weather is Unpredictable

While the state has the reputation of having beautiful weather year-round, it’s not always sunny and breezy in Florida. The state gets more than its fair share of rainfalls and thunderstorms too. The state also has an official hurricane season – from June to November – and tornadoes are common here too. On average, Florida gets about 55 tornadoes every year.[1]

All these climatic factors significantly increase the chances of vehicle damage.

2.     The State Receives a High Number of Tourists

The wide array of tourist attractions make Florida one of the most visited states in the United States. The state receives millions of tourists every year from all over the world. The majority of them are likely to be unfamiliar with local laws and routes.

With all the tourists driving around the state, fender benders are a common occurrence; and they may not necessarily hit your car while you are on the road.  

3.     Crime Rate in Florida Is Higher Than The National Average

There’s only a slight difference in the national average crime rate and that of Florida. The fact that the state’s rate is higher in both violent and property crimes is enough to make a person want to secure themselves and your properties.

All these factors can cause Floridians to suffer from vehicle damages that basic auto insurance doesn’t cover. This is why it is wise to get a comprehensive (full-coverage) insurance for your vehicle. It may cost higher, but it’s worth paying the extra money than having to bear repair expenses that can go up to thousands of dollars.

Comprehensive and collision coverage may be required when you have a loan out on your vehicle. Try our online rating tool to acquire a quote on home or auto insurance.

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Preparing Your Home for a Virtual Tour

Technology is helpful in so many areas of life, even real estate. Twenty years ago, if someone were moving across the country, they’d have to wait to buy a house until they arrived to start their new life, or they’d have to buy a home without seeing it in person beforehand. Both options would cause extra unwanted stress on top of moving to an unfamiliar place.

Luckily, with the rise of technology, virtual tours are here to save the day! When it comes to creating a virtual tour, it is a great way to show your home. This technology comes with risks.

Real Estate Agents can also use FaceTime or other apps to give their customers a tour of a house virtually without ever seeing the property in person.

When agreeing to allow your home to be filmed and shown to the masses you are no longer keeping the showing reserved to the walkthrough buyers. Remain cautious when allowing your home to be videotaped, live-streamed, or filmed for virtual tours. Remember films and live streams of your home’s interior, furnishings, electronics, valuables, and personal belongings are not seen one time by a walk through homebuyer, but it is streamed and a video is playing over and over to thousands potentially millions of people on the Internet. A home robbery could occur if a thief sees valuable items in your home.

It is a good idea for homeowners to have a video of their own with proof of all their belongings in case something is stolen. Having continuous videos shared or live streams shared openly to any audience may give potential thieves access to the inside of your home and the contents.

A great tip is to remove valuables from the home and store them at another family member’s home or in a safe deposit box off-site. Keep all jewelry, decor items, artwork, and other valuable items out of site of videotaping and live streaming.

Take time to clean your house before the virtual tour and remove all clutter and any furniture you don’t want to be seen. Your realtor will help you with a simple staging of your home beforehand, so it looks presentable in the video. The great thing about staging for a virtual tour is you’ll only have to keep it that way for a couple of hours before you can put everything back where it belongs.

Anyone interested in taking a virtual tour can easily watch it online to get a good idea of what to expect in person. When you’ve decided it’s time to sell your home, a virtual tour can be a great way to get more people to see it and secure a buyer in less time than a traditional open house. Not only does it give potential buyers a first glimpse, but it also ensures that only people who are seriously considering purchasing your home request a tour or show up to the open house.

Discuss the sale of your home with your homeowner’s insurance agent. Make sure your policy is in effect and that you are covered. Have a list or video of all belongings for proof in the event of loss.