Types of Coverage Available in Most Homeowners’ Policies
There are a variety of different coverages available under every policy. First, you should know that every policy is different. A homeowner’s policy is going to have dramatically different coverages than a commercial policy. Usually in a homeowner’s policy, you’ll have Coverage A, which is the dwelling, Coverage B, which is other structures (often times), Coverage C, which is contents, and then, in addition to that, there’s the lesser known coverages – the coverage for trees, shrubs and lawns. So when you have a fire loss, and every one of your shrubs has to be destroyed in order to rebuild, that’s covered.
There’s coverage for debris removal. There’s coverage for charges from fire departments for coming out and putting out the fire. There is a mix and multitude of coverages available in every policy, and it takes someone taking the time to dig through there to make sure that you take advantage of every coverage that you paid for. We’re not asking the insurance company to pay for anything that you don’t have, but it’s coverage that you paid good premiums for.
Are you covered for potential losses?
With so many different policies to choose from, it can be hard for Tennessee homeowners to know if they have the right coverage for their needs. You want to make sure that there are no gaps in your policy, and that you can purchase additional coverage for any exclusions, like floods. At McWherter Scott & Bobbitt, we help our clients makes sense of the polices they have, and work with them to obtain compensation for damages when they are rightfully owed that compensation under their policy.
If your insurance company is giving you the run-around, or if you believe that your claim has been unfairly denied, you may be able to bring a bad faith action against your insurance company. Tennessee insurance dispute attorneys Brandon McWherter, Clint Scott and Jonathan Bobbitt help policyholders just like you every day. To learn more about our services, or to schedule a consultation at one of our offices in Nashville, Chattanooga, Memphis, Jackson or Knoxville, please call 731-664-1340 or fill out our contact form.
Brandon McWherter has dedicated his practice to assisting insurance policyholders with their claims against insurance companies, including claims for bad faith. He is licensed in Tennessee, Arkansas, and Mississippi. Learn More