Home insurance adjusters visit your Brandon, FL property to determine your policy coverage and payout.

You decide your coverage limits when you purchase a home insurance policy from a company like Runnels Insurance. Although a policy isn’t required to buy a home in Flordia, it’s highly recommended to blunt the costs of damages.

It’s especially true when it comes to severe weather conditions the state is subject to. In addition to fire, theft, and vandalism, your home can be damaged due to hurricanes, tornadoes, and strong thunderstorms. A home insurance policy covers these conditions for your Brandon, FL property. 

How Coverage Is Determined

When you file a claim with your insurance company, it’s given a case number and delivered to the adjusters. In turn, they do one of two things. They might ask for photos of the damage for their records. On the other hand, if the damage is extensive, they’ll make an appointment to see it firsthand. 

During their visit, the adjuster will take photos and notes related to interior and exterior issues. They’ll take this information back to the office and compare the damage to what your policy covers. Further, they’ll review current costs related to the necessary repairs. These factors will determine what the insurance company pays for. 

How to Get the Right Amount of Coverage

Don’t underinsure your home insurance policy to save money. While it may initially help you, it won’t allow you to repair your home when appropriately needed. Thus, it’s best to reach out to a company like Runnels Insurance to calculate the right amount of coverage. Contact a representative today for additional information.