Generally Speaking, Flood Insurance Is For Your Home – Right? 

Those three hundred dollar headphones were left in your car after the gym and way before you had the chance to view the weather report. Good thing your sister warned you in time, and you were able to move your car out of the general flood zone. What she nor you could anticipate was that the flood zone extended past the normal parameters and your car was flooded. Hamilton Fox & Company staffers are quite knowledgeable on what type of insurance policy would cover the present situation you find yourself in. Located in Pinecrest, FL we serve our town as well as the surrounding areas.

This is not something that happens everyday, but floods are a catastrophe that happens often and requires special insurance usually. When it comes to protecting your car comprehensive auto insurance covers the operation and the damage to your car in the event of a flood. This coverage comes into effect once your comprehensive insurance deductible is paid. If you carry the minimum of liability insurance coverage on your vehicle, the impact of flooding on your car will not be covered at all. It is important to talk with your insurance agent regarding whether or not property in your vehicle damaged in flood would be covered even with comprehensive or full coverage auto insurance. An umbrella policy may be a better arm of insurance to cover for property damage in an auto flood situation.

The agents at Hamilton Fox & Company located in Pinecrest, FL are here to answer detailed questions regarding your policy. Please contact us today to discuss protecting your car before a flood in your area happens – forewarned is forearmed.

Is It Time To Review The Commercial Insurance Policy Already – I Just Insured My Business!

Honestly, the helpful and knowledgeable agents at Hamilton Fox & Company Insurance are of the mind that the correct answer to the title question is CONSTANTLY. Don’t think we would want you to take time away from your business to review your policy. You are in business to make money and provide goods and services to your clientele. That is exactly why we are in business as well. Hamilton Fox & Company strives to provide the highest level of service to you. That is what we are here for.

Your business is constantly changing. As a result, your policy evolves accordingly, and our constant review is our pleasure and is critical to keeping you, your company and employees protected.

Here is a short list of things that may arise in your business that will necessitate a discussion with your agent and a review of your commercial insurance policy.

• You have taken on an additional property.  Whether it is a new building, an addition to an existing location (i.e., the lot next door has become vacant, and you want to assume the lease to expand your business). Take advantage of the sunshine here in Miami FL and stop by our office to discuss how this addition may add to your liability.
• There has been an increase in your staff. Making certain their needs are met as it pertains to your company responsibility is task one.

If you have a question about your policy and reside here in Miami, FL, come into our offices, and we can personally assist you. If you prefer, email, fax, or telephone, please contact us today to ensure you are on top of your responsibilities as regards your commercial insurance policy.

Is There A Circus Upstairs?

Unfortunately, If you have owned your home long enough, you have been treated to the personal circus that has visited the homes of millions of homeowners. The circus better known as “squirrels in the attic” has extensively traveled across the country and abroad.  Those agents at Hamilton Fox & Company who own their homes and those who do not are quite familiar with the phenomena.  It is not specific to our location in Pinecrest, FL and we have assisted the locals as well as the clients we serve in the surrounding areas.

When a creature has entered the home, it usually involves property damage to the structure. Homes are made to keep creatures out. Therefore it stands to reason that if something has entered the home without your knowledge, it is due to their being a hole or some other structural damage to the home. Your policy must be reviewed to ensure that the damage to the structure of your home is protected. The agent will review the type of damage. The amount of wear and tear that your home has incurred. The amount of time that has transpired since the section of your home that has been damaged has been initially installed or has been repaired or maintained.

A quick call to your agent is in order before you embark on your catching expedition as many homeowners exacerbate the damage.

Nature happens, but the skilled professionals employed at Hamilton Fox & Company serving Pinecrest, FL and the surrounding areas are trained to ask the right questions and make fair and accurate assessments to ensure that natural wildlife stays on the outside of your home where they belong. After the circus has left town your home will be no worse for a visit.