The cause of property damage is included in an exclusion condition of your policy. You haven't been paying your insurance premiums. Floods in Florida With 59.21 inches of rain each year and flat terrain, Florida is more likely to be flooded than any other state in the U.S. UU.
Most insurance policies don't cover floods, so it's important to look for flood insurance plans to make sure your home does. Neglecting certain repair or maintenance requirements on your property can also cause problems. If the surveyor (an official appointed by your insurer to inspect the property) identifies negligence, your claim will most likely be denied. Let's say you buy property damage insurance and don't have liability coverage to accompany it; in that case, the insurance company won't accept any liability claims that arise.
In most cases, you'll be asked to file an insurance claim with the company that issued your property insurance policy. If you give up purchasing flood insurance coverage or if it is for damage caused by an earthquake, the insurer will deny that claim. Your lawyer or public adjuster can help ensure that you have fully complied with the insurance company's requests and requirements and can ensure that the insurance company treats you fairly and that your interests are protected. Both Florida law and certain policy provisions may prevent policyholders from having legal recourse against their insurance companies if they do not challenge a denied claim in a timely manner.
If there is damage to the structure due to fire, it is important for the insured to notify their insurance company of any damage caused by the fire within a reasonable time, which varies depending on the circumstances. Your insurance coverage may change as your needs change, so it's important to know how to read your insurance policy to make the necessary changes. Unfortunately, insurance frauds committed by policyholders are now quite common and have made insurers even more cautious about their money.