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1st Discount Brokerage
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Home Owners Insurance in West Palm Beach, FL

What is the Home Insurance claim process like?
  1. Your insurance policy will outline your deductible (and/or waiver of deductible), and the contact information to file a claim. It also outlines what is covered and what is excluded from coverage.
  2. Take pictures of all the damage, losses, and document in great detail what you expect to claim.
  3. Armed with policy in hand you should call the insurance company and begin the claims process. You will be assigned a claims adjustor after the initial claim filing. You can file a claim on the phone or online in most cases.
  4. You will be contacted by the adjustor who will ask for more details and have some questions. The adjustor will them come out or send out a professional to assess the damage, if needed. They will file a report and guide you through the rest of the process – every insurance company is different in the order of handling reimbursements, paperwork filing and organizing repairs etc. But, if you are with a reputable home insurance company, you will have the right information at every step of the way.
  5. A local insurance agent, such as us can help walk you through the whole process and coordinate with the insurer and the claims adjustor to make the claims process much easier on the home owner and their family and loved ones – another reason to use a local insurance agency in the West Palm Beach, FL area.

How to pay for homeowners insurance?

This can vary greatly, as you would expect. Here are some affecting factors –
  1. Insurers give homeowners monthly pay options (with an additional service fee), an annual prepay and sometimes a quarterly pay. You can also get the insurance premium ‘impounded’ with your mortgage payment – where your mortgage servicer collects the money from you as part of your monthly mortgage fee (plus home insurance dues), and they in turn put the additional payments into an escrow account and disburse the taxes and insurance accordingly on your behalf. When the insurance premiums rise, the mortgage services company adjusts your payment structure accordingly.
  2. To learn more from our experts in the West Palm Beach, FL and surrounding areas, get in touch with us.


Why does homeowners insurance go up gradually or sometimes suddenly?

This can depend on many factors, but in essence a few key factors are at play –
  1. The size of the pool of people buying insurance in that region/state (areas surrounding West Palm Beach, FL).
  2. Recent catastrophes – forest fire damage, widespread earthquake damage, or widespread flooding.
  3. An indicative trend in certain conditions – such as data showing that there are more earthquakes in the region as a result of heavy fracking in the area.
  4. Competition among insurers.
  5. Insurance losses.

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