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How to File a Flood Insurance Claim

In Miami Beach, FL, residents often experience flood conditions, especially after a hurricane or other type of tropical storm. The agents at Assure-Us are always available to help when a disaster strikes. Hurricanes can cause various types of damage, but it’s the after effects that can make cleaning up difficult. Flooding is just one type of problem many homeowners face after a big storm.

Call Your Insurance Agent

It’s important to notify your insurance agent as soon as possible in the event of a disaster, Although it can take flood waters several days to recede, it’s important to notify them quickly so they can begin the claims process. As soon as the flood waters start to diminish, an appraiser can begin to assess the damage and provide your agent with an estimate.

Meet Filing Deadlines

There are deadlines that must be met if you plan on filing a claim on your flood insurance. Reporting the claim as soon as the flooding occurs will get the process underway so that all deadlines are met. Cleaning up after a flood is a lengthy process. Not only does it take time for the water to leave and the area to dry, it will also take time to process your claim.

At Assure-Us, agents understand the stress and frustration Miami, FL residents go through when strong storms hit and flood water damages their home or property. If you have questions about flood insurance, how it works, or what deadlines you may have to be concerned with, call and schedule an insurance review today. The agents will make sure you understand the process and what you need to do if filing a claim is necessary.

What does flood insurance cover?

One thing that you will learn about Miami Beach, FL is the strong chance of flooding in the area. With all of the beauty that is this beach city remains the imminent threat of water rising and destroying your home. Such is the reason why you need flood insurance if you own a home. What does the insurance policy cover, though? The agents at Assure-Us can make things clear. 

Flood insurance is mandatory in Florida.

You cannot secure a home loan in Florida without purchasing an indemnity plan that covers flooding. Some buyers believe that a standard assurance policy is all-inclusive of hurricanes, tornadoes, and other natural disasters involving water. The truth, however, is that your standard indemnity policy leaves you in the cold when water invades your home. You will need to show lenders more than basic homeowner’s insurance for them to grant your request for a mortgage. 

What does flood insurance cover?

There are essentially two ways to obtain flood insurance: either by way of federal government or through private coverage. The National Flood Insurance Program (NFIP) has two policies meant to cover both your residence and personal possessions. The building property portion of insurance pays up to $250,000 for structural damages. Meanwhile, the personal property aspect of flood insurance offered by the NFIP pays up to $100,000 for personal property lost during a natural disaster involving water. You can purchase one portion of assurance offered through the NFIP or opt to buy both plans for added protection.

Those who personal and building properties exceed the limits set forth by the federal government will need to purchase additional insurance to ensure financial stability after a storm. The agents of Assure-Us can make sure that you have the right coverage for your home in Miami Beach, FL. Call them today for a flood insurance quote!

Does condo insurance cover stolen goods?

You come in from a night of fun in town only to learn that someone has burglarized your condo. They took everything from your computers to the antique clock that your grandmother gifted you with when you got married. The only thing potentially worse than being robbed in Miami Beach, FL is the uncertainty of whether or not your condo insurance policy covers everything. Assure-Us can help you sort out the tough questions of condominium indemnity plans.

Understanding limits and deductibles

Just as with car insurance, your condo assurance policy typically goes to work after you pay the deductible. Your policy limit may be $500,000, but it is not until you pay the $500 deductible that such funds will be released. In some instances, insurance companies offer low payouts for jewelry and other valuables such as antique clocks. Such is the reason for getting adding special coverage for these items. You may also run into difficulty if you are not home when the loss occurs as some indemnity companies do not offer full payouts in such cases.

About Scheduled Personal Property

Some homeowners have possessions so great in value to the extent of a standard condo policy being unable to adequately provide recompense in the instance that they are stolen. Such individuals should consider what is called a Scheduled Personal Property plan, which pays for expensive items such as jewelry, masterpiece art, and musical instruments. There is no deductible attached to a Scheduled Personal Property plan. You will, however, need to discuss the possibility of investing in such an add-on with your agent.

There is nothing pleasurable about coming home to your Miami Beach, FL condo only to find that a stranger has ransacked your residence. Assure-Us can help you maintain financial stability in such instance by providing an indemnity plan that works best for your situation. Call today for a quote!

Do all boats need insurance?

If you’re piloting a boat in Miami Beach, FL we recommend getting some insurance from Assure-Us no matter the size of your boat, no matter if it’s motorized. You’re not really required to get insurance on your little rubber fishing raft or anything. If your boat is small and it doesn’t have a motor on it, you can legally pilot it all you like. But Miami Beach, FL is one of the most crowded beaches in the country, so you need to make sure that you’re covered should something happen.

It’s not so much about protecting your boat as it is being covered against liability. You never know when a diver is going to come up and bonk their head on the underside of your boat, and they might be feeling litigious. You never know when a strong wave is going to knock you right into a surfer. Because you’re piloting your boat around so many people on Miami Beach, you may want to consider getting insurance even if your boat isn’t the type that typically requires coverage.

On the other hand, if you’re just going to take it down the river for peaceful weekend fishing trips, insurance isn’t really a concern. Assure-Us can help you get the coverage you need if you’re thinking of riding the waves in your new boat, but if you’re not taking it around swimmers and surfers, wait until you get something with a motor in it, and then give Assure-Us a call to get full coverage on your new vessel before taking it for a spin down the river, on the lake or at the beach.

Common Errors That Can Ruin Your Commercial Insurance Coverage

Too many Miami Beach, FL companies make commercial insurance mistakes that sabotage the quality of their coverage. Let the tips from Assure-Us keep you from falling a victim to these mistakes.

Using Only General Liability For Fires

Commercial property insurance is necessary for protecting your business from fires. General liability just won’t cut it for this need. Frighteningly, this means you could end up with a destroyed business that you can’t rebuild with the help of insurance.

Poor Employee Benefits Liability

Ignoring employee benefits liabilities is a major mistake because it can put your employees in a troubling financial situation. Talk to your policy provider to learn more about this concern. They can walk you through the complications it causes. 

Poor Contract Coverage

Did you provide comprehensive coverage as defined in your contract? If not, you are in a serious situation. You may even be sued if the contract holder believes you are providing poor coverage. Expanding your policies is important to avoiding serious complications.

Ignoring Newly Acquired Properties

If you bought a new property or even a new business to add to your company, you must expand your commercial coverage to these items. Failure to do so specifically will leave these elements uninsured and lead to legal complications down the road.

Excessive Reliance On Umbrella Insurance

While umbrella insurance can be a useful option for many companies, relying on it too much is a mistake. It is particularly problematic if you use it to cover professional liability exposures. It simply doesn’t provide the kind of coverage you need for this situation.

Let Us Help

We at Assure-Us are skilled at providing Miami Beach, FL companies like yours with the coverage they need. Our specialists will work hard to get you the commercial insurance that works best for your needs.

The Basics of Motorcycle Insurance

Motorcycle insurance is one of the most common types of insurance available. As far as insurance for vehicles goes, motorcycle insurance only falls behind car insurance in terms of how many people obtain it. The first fact to know about motorcycle insurance is that it is not necessarily cheaper than car insurance. The cost of motorcycle insurance varies widely depending upon the age, skill level, and make and model of the motorcycle covered under the insurance policy. In Florida, the cost of motorcycle insurance is more often less than that of car insurance but this is simply a general statement and not an absolute fact.

Something else to note about motorcycle insurance is that the condition of the motorcycle covered also affects the cost of insurance. A used motorcycle will cost much less to insure than a new motorcycle, so that is an important factor to consider when you are purchasing a motorcycle. However, it is possible that a used motorcycle might require more maintenance than a new motorcycle so you must decide which is more valuable to you between lower insurance costs or potentially lower maintenance costs. Either way, a new motorcycle, especially a new high-end motorcycle, costs far more to insure.

One critical difference between laws about car insurance and laws about motorcycle insurance in Florida is that car drivers in Florida are required to obtain personal injury protection. Personal injury protection is a type of insurance that typically covers bills relating to medical care and wages lost due to time off from work. In contrast, motorcycle drivers are not required by law to obtain personal injury protection. If a motorcycle driver wants to get personal injury protection, a few insurance companies do provide that for them.

If you are looking for motorcycle insurance in Miami Beach, FL, then look no further than Assure-Us. The company is serving Miami Beach, FL and has done so since 2001. For more information about motorcycle insurance, you can call Assure-Us at 305-956-7818.

Does Renter’s Insurance Cover Temporary Living Expenses?

If you are planning on renting a home or an apartment, you will want to protect your belongings with renter’s insurance. Renter’s insurance not only covers the cost to replace your valuables, but it may cover the cost to live somewhere else until you can get settled again.

Coverage Provided

Most renter’s insurance will also help protect you by covering the cost to live somewhere else until you can get settled into your old place, or until you can find somewhere else to live within a designated time frame. It is important to make sure that you do have this coverage with the particular policy you choose. Ask your insurance agent prior to purchasing the policy so you can be sure you are covered in the event of an accident or loss.

Getting Started With A Claim

If you suffer a covered event, you will need to present your documentation of the event, as well as photographs, receipts, and any other information to help expedited the claims process. Ask what type of documentation you will need when you purchase your policy. Make sure you are aware of how long you will be allowed temporary housing under the terms of your insurance agreement. Being informed and acting quickly is the key to getting back to normal as soon as possible. For more information on renter’s insurance, and all that is can cover, call or stop by Miami Beach, FL, Assure-Us.

Don’t risk the loss of your belongings if you are a renter. Get the coverage you need to cover temporary housing and the replacement of your valuables with renter’s insurance. Let our friendly insurance agents at Miami Beach, FL, Assure-Us get you started today so you can have peace of mind tomorrow.


Are There Different Types of Motorcycle Insurance?

When it comes to riding motorcycles, safety is, of course, of the utmost importance. And while wearing a helmet and proper attire are part of being safe, it is also important that you keep you and your bike covered with proper motorcycle insurance. For now, let’s take a quick look at different types of motorcycle insurance coverage. 

Accessory Coverage

If your bike has added on accessories, you will want to make sure they are covered with accessory coverage for motorcycles. Many times, this type of insurance is referred to as Custom Parts and Equipment coverage. Examples of accessories that are covered by this type of insurance include:

  • Sidecars
  • Safety apparel
  • Audio devices
  • Custom paint and plating

Motorcycle Roadside Assistance

It is highly recommended that you add roadside assistance to your motorcycle insurance. In doing this, you can have peace of mind in knowing your insurance company will be of the utmost help in the event that you get stuck on the side of the road. Imagine getting a flat tire on your bike and not having the tools to change it. With roadside assistance, though, you can contact your insurance company and they will dispatch a professional to come fix your flat tire for you. 

Medical Payments Insurance

When you invest in medical payments insurance, you are investing in a policy that will help pay for medical expenses endured by you or one of your riders. As you know, if you are in an accident on your motorcycle, you are likely to sustain extreme injury. You will need as much financial help as possible to cover your bills. With medical payments insurance, you will receive the assistance you need to cover your medical expenses. 

To learn more about different types of motorcycle insurance, please contact Assure-US serving the Miami Beach, FL area. 

When Should You Consider Flood Insurance?

Residents who live in North Miami Beach, FL need to consider the benefits of having flood insurance added to their existing homeowner’s policy. The agents of Assure Us can identify your potential need for flood insurance and offer sound advice on the type of policy you should invest in. Floods can occur as a result of severe storms or damaged sewers and pipelines. It’s important to make sure you are fully protected from both types of water damage.

Living Near a Floodplain

If you live in a home that is near a river or within close proximity of a large body of water, you are considered to be in a floodplain. Most floodplains include low-lying areas where water can accumulate and eventually flow around and into homes. Even living near a floodplain can dramatically increase the risk of your home or business being flooded by severe storms or drainage backups.

The Benefits of Flood Insurance

In most states having flood insurance is optional. While it is often an "add-on" policy, the benefits of having a good flood insurance policy can be a lifesaver if you live near hurricane-prone areas or rivers that are likely to flood when heavy rains are possible. The additional cost of having flood insurance added to your policy is a minimal amount compared to what it will cost to rebuild if you suffer extensive damage. 

The agents of Assure Us agency can help the residents of North Miami Beach, FL determine their potential flood risk. Knowing what the risk is for potential flood damage will help them to determine how much flood insurance they need to protect their homes and businesses. Call and schedule an appointment today with an agent to make sure you have the right type of insurance for the area in which you live. 

Flood insurance and high-risk areas

When buying an insurance policy, it’s a good idea to learn what your risks are. A fire can happen anywhere, for instance, but it’s much more likely to happen in drier climates. Likewise, flooding is more of a danger in some areas than others.

Find Out If You’re In A Flood Zone

One of the quickest ways to find out if your home is located in a flood zone is to check the maps at the FEMA website. Cross-reference that with your home address and you should be able to find out pretty quickly whether or not you’re likely to be affected by flooding come storm season.

The BFE And Special Flood Areas

The BFE is the Base Flood Elevation. This is the elevation at which you’ll suffer a one percent or greater chance of being affected by a flood. The higher you are above sea level, the lower your BFE compared to neighboring areas. There are also Special Flood Areas, where you are at an especially high risk for flooding. If you are in one of these areas, then your lender probably notified you during the buying process.

How Does This Affect Your Insurance?

In terms of how your risk for flooding is going to affect your insurance, you may wind up having to pay higher premiums in some areas, but the Homeowners Flood Insurance Affordability Act has done a lot to bring those premiums down, so it may simply come down to how much protection you want to buy.

We always want to plan for the worst while hoping for the best. Assure Us can help you to get a fair rate on flood insurance even if you are in a high-risk zone. Give them a call and see what they can do for you.


Our Insurance Partners

  • Ascendent
  • Atlantic
  • Bristol
  • Capitol
  • Federated National Insurance
  • Fidelity
  • Florida Peninsula
  • Gainsco
  • GMAC National General
  • Homeowners Choice
  • Infinity
  • Mendota
  • Mercury
  • Olympus
  • Progressive
  • Safe Point
  • Southern Oak
  • Towerhill
  • Travelers
  • United Auto
  • United Heritage
  • Universal Property
  • Universal Property Casualty
  • Weston
  • Windhaven