Windows Blown Out During Storm: Now What?

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Living in Southwest Florida means being prepared for high winds, especially during hurricane season. The damage can be overwhelming if a strong storm passes through and blows out your windows. Knowing what to do next can help protect your property and get your claim moving in the right direction, with the help of Pro America Insurance, serving Naples, FL.

Ensure Safety First

Your first step is safety. If the glass has shattered, keep family members and pets away from the area. Wear thick shoes and gloves before entering rooms with broken windows. If it’s safe to do so, board up the opening or use a tarp to keep rain and debris out until professional help arrives.

Document the Damage

Take clear photos of the broken windows, surrounding damage, and anything affected inside your home. This includes water-soaked furniture, ruined flooring, or damaged electronics. Don’t discard anything yet—your insurance adjuster may need to see it in person.

Review Your Homeowners Policy

Most homeowners’ insurance policies in Florida cover wind damage, but the specific terms can vary. Look at your windstorm deductible and note whether your policy includes hurricane coverage. If your home is in a coastal zone, you may have a separate deductible for named storms.

Contact Your Insurance Agent Promptly

Reporting the damage quickly helps speed up the claims process. Your local agent in Naples can guide you through the next steps and advise you on what documentation is needed. They may also help you connect with vetted contractors or emergency repair services.

Once repairs are complete, talk to your agent at Pro America Insurance, serving Naples, FL, about additional protection, like impact windows or shutters. These upgrades can help minimize damage and may even reduce your premiums moving forward.

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What to do if the Other Driver Speeds Away After an Accident

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Experiencing any auto accident is distressing, but a hit-and-run incident can worsen the situation significantly. If it happens to you, your Pro America Insurance representative serving Naples, FL, wants you to know what to do.

What is a Hit-and-Run in Florida?

In Florida, a hit-and-run is when a driver involved in a crash leaves the scene without providing the required information or aid. Florida state law requires drivers to stop after any accident involving property damage, injury, or death.

Florida’s No-Fault Insurance (PIP)

Florida’s no-fault insurance law requires every driver to carry Personal Injury Protection (PIP) coverage. PIP covers your own medical expenses (typically 80% of costs up to $10,000) regardless of who caused the accident. Thankfully, this means you can get treatment under your own policy even if the hit-and-run driver isn’t found.

Steps to Take After a Hit-and-Run

  1. Stay Safe – Check for injuries and get to a safe area. Call the police to report the crash, but do not chase the other driver, no matter what, even if you strongly believe you can catch up to them. You’d only be putting yourself in danger by doing so.
  2. Gather Evidence – Write down details about the fleeing vehicle (license plate, make, model, color) and the driver’s appearance. Take photos of the scene and get witness contact information.
  3. Notify Your Insurer – Promptly contact your auto insurance company representative at Pro America Insurance serving Naples, FL, and provide them with the police report. Your PIP coverage will cover your medical bills.
  4. Seek Medical Attention – Get a medical check-up right away, even if you feel fine. This ensures any injuries are documented for your insurance claim.

For help with a hit-and-run claim, contact us – we’re here to support you with all your auto insurance needs in Florida!

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Why Condo Owners Should Review Their Insurance Before Renovating

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Renovating your condo is an exciting venture to upgrade and personalize your space. Whether you’re planning a kitchen remodel, new flooring, or a complete overhaul, it’s crucial to consider more than just the design. At Pro America Insurance in Naples, FL, we advise condo owners to review their insurance policies before initiating any renovations to ensure they’re fully protected.

Deciphering Your Coverage

Many condo owners assume their insurance automatically covers renovations, but that’s not always the case. Standard condo insurance protects your belongings and certain interior elements, but major upgrades may necessitate additional coverage. If you’re making structural changes or installing high-end materials, your policy should reflect the increased value of your home. Failing to update your coverage could leave you underinsured if damage occurs.

Understanding Responsibilities

One of the most overlooked aspects of condo renovations is the division of responsibility between you and your homeowners association (HOA). Your HOA’s master policy typically covers the building’s exterior and shared spaces, but interior renovations often fall under your personal policy. Before initiating any work, review your HOA’s insurance requirements to avoid unexpected expenses in case of damage or liability issues.

Securing Your Investment

Renovations come with risks, from accidental fires to contractor injuries. Ensuring you have the right coverage can protect you from liability and financial loss. If your renovation requires permits or involves structural changes, you may need to update your policy accordingly.

Ensure Adequate Coverage Before Renovating

Before starting condo renovations, ensure your insurance is up-to-date. At Pro America Insurance, serving the Naples, FL area, we assist condo owners in finding the right coverage to protect their investment. Contact us today to review your policy and ensure you’re fully protected.

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Three Reasons to Update Your Motor Home Insurance Before Summer

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If you’re in the Naples, FL area and planning to travel this summer, ensuring you have the right motor home insurance policy is crucial. At Pro America Insurance, we can help you update your current coverage, providing peace of mind for your journey. Here are three key reasons to update your policy before summer arrives.

1. Protect Your Assets on the Road

The primary reason to have insurance is to protect your assets. The type and level of protection you need can evolve over time. Updating your policy can provide stronger protection and reduce risk.

2. Increase Your Peace of Mind

Peace of mind is invaluable. With the right policy, you can rest assured that you’re covered in the event of a claim. This lets you focus on your journey and the adventures ahead rather than worrying about potential issues.

3. Get the Best Policy for Your Needs

The best policy is one that suits your specific needs and circumstances. Updates can help tailor your policy or indicate to you and your agent that switching to different coverage is time. With several options available, you can ask questions and choose what you feel most comfortable with.

Working With an Agent Is the Right Choice

Contact us today at Pro America Insurance if you’re in the Naples, FL area and need motor home insurance. Whether you’re looking to update your current policy or get a new one, we have options that can help. Our agents are committed to providing you with the proper protection for your needs and assisting you in choosing the policy that best fits your situation. We want you to have confidence in your coverage.

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What Different Insurance Options Are Available For Flood Insurance?

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Flooding can cause significant damage to your home and property, and with unpredictable weather patterns, it’s vital to ensure you have the right protection in place. Flood insurance offers peace of mind, but not all policies are the same. Understanding the different options available can help you choose the best coverage for your needs. At Pro America Insurance in Naples, FL, we’re here to guide you through the process and explain your options.

National Flood Insurance Program (NFIP)

The NFIP, managed by FEMA, is one of the most common sources of flood insurance. It offers standardized coverage for both residential and commercial properties in participating communities. NFIP policies typically cover the structure of your home and its essential systems, but they also limit coverage for personal belongings. However, it’s important to note that these policies have coverage limits, so if you need higher protection, you may need to explore additional options.

Private Flood Insurance

Private flood insurance is becoming an increasingly popular alternative to NFIP coverage. Offered by private insurers, these policies often provide more comprehensive coverage, including higher limits for property and personal belongings. Private policies may also include additional benefits, like coverage for temporary living expenses or replacement costs for valuables, which the NFIP does not typically cover.

Excess Flood Insurance

Excess flood insurance is an excellent option if you already have an NFIP policy but need additional protection. This type of policy supplements your existing coverage, giving you peace of mind that your home and assets are fully protected in the event of a major flood.

If you need help deciding which flood insurance option is right for you, contact Pro America Insurance in Naples, FL, today. We’ll help you find a policy that fits your unique needs.

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Insurance Coverage for A Deep-Sea Fishing Expedition

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If you plan to use your boat for a deep-sea fishing expedition, your standard boat insurance policy may not provide sufficient protection. Therefore, it’s essential to review your policy and fishing plans and adjust it as needed.

Your Boat Insurance

Your boat insurance policy likely provides basic coverage that handles repair and replacement costs. Review your insurance policy to determine the level of protection you currently have. If you’re new to deep-sea fishing, you’ll need to consider all the variables that might require additional insurance coverage.

Safety Concerns

Deep-sea fishing may involve traveling a significant distance on your boat. Safety should be one of your primary concerns. You may encounter inclement weather or have difficulty navigating during your boating trip. If your boat were to capsize or be involved in an accident, liability insurance would protect you as a boat owner.

Protection For Passengers

If other people participate in the deep-sea fishing trip, liability insurance would protect you if any occupants are injured while onboard your boat. The insurance coverage would also cover property damage. For instance, if one of your passengers brings expensive fishing gear on the trip, the liability coverage may pay for repairing or replacing damaged or stolen items.

Contact An Agent Serving Naples, FL

Schedule a meeting with one of our agents at Pro America Insurance. Bring your deep-sea fishing plans with you to your appointment. The agent assisting you will inquire about how you plan to use your boat. Then, they will provide several insurance options that will protect you and keep your boat and possessions safe.

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Motorcycle Maintenance: Keeping Your Bike in Top Condition for Optimal Performance and Safety

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Riding a motorcycle is all about freedom and adventure, but maintaining your bike in top condition is essential for both performance and safety. At Pro America Insurance in Naples, FL, we understand the importance of regular maintenance for a smooth and safe ride. Here are some tips on keeping your motorcycle at its best.

Regular Inspections

Frequent inspections are key to identifying potential issues before they become major problems. Check your tires for wear and ensure they are properly inflated, as they are crucial for stability and control. Examine the brakes to ensure they are responsive and not worn out. A quick check of the lights and signals can also save you from unexpected surprises on the road.

Engine Care

Your bike’s engine is its heart; taking care of it will extend its life and enhance performance. To keep the engine running smoothly, regularly change the oil and replace the oil filter. Also, remember to check the coolant and ensure all fluids are at optimal levels. Keeping the engine clean from dirt and debris will also prevent overheating.

Chain and Suspension

The chain and suspension play significant roles in your bike’s handling and comfort. Lubricate the chain regularly and adjust its tension to avoid excessive wear. Inspect the suspension for leaks and ensure it’s set correctly for your weight and riding style. A well-maintained suspension provides better control and a more enjoyable ride.

Stay Prepared With the Right Motorcycle Insurance Products

At Pro America Insurance, serving the greater Naples, FL, area, we’re dedicated to your safety and enjoyment on the road. Contact us to learn more about our motorcycle insurance options, which ensure peace of mind with every ride.

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Three Reasons to Update Your Life Insurance Policy

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Pro America Insurance is here to assist if you’re in the Naples, FL area and considering updating your life insurance policy. Whether you’ve experienced a change in circumstances or it’s been a while since you last reviewed your policy, there can be significant reasons to adjust your coverage. Our agents are committed to helping you maximize your insurance and ensuring you have peace of mind that you protect your family appropriately.

Three Major Reasons to Update Your Coverage

Here are three of the most common reasons to update your coverage:

  • You got married, divorced, or had children
  • You experienced a significant career change
  • It’s been more than a year since your last policy review

While there may be other times when you want to update your policy, these three are the most frequent and significant reasons for change. The goal of a life insurance policy is to protect your loved ones in the event of your passing and help them maintain the standard of living you provided. Changes in marital status or family size may necessitate changing your coverage level.

Additionally, a significant change in your career can affect how you provide for your family, so you may want to increase your coverage to offer them additional protection. If it’s been a while since your last policy review, or if you’ve experienced significant lifestyle changes, working with one of our agents to get quotes from several insurers or updating your current policy can be a wise decision.

Contact us today at Pro America Insurance if you’re in the Naples, FL area and need to update your life insurance policy. We’re here to help you and your family enjoy greater peace of mind.

Please let me know if you are satisfied with this revision or if there are any changes you would like me to make.

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Commercial Insurance Add-Ons for Businesses That Provide Mobile Services

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Understanding the Impact of Mobile Services on Your Business Insurance

Providing mobile services may escalate your liability risk and increase the risk of having stolen, vandalized, or damaged business equipment. Explore how add-on protection can benefit you while running your mobile business.

Insurance Limits

Your standard business insurance policy will have limitations. If you experience financial loss exceeding these limits, you will have to bear the out-of-pocket costs. If you encounter a significant hardship, a standard business insurance policy may not provide the financial relief you need. Insurance add-ons fill the gaps by providing additional coverage.

Liability

A liability add-on will augment the amount of liability protection you have. Given that you’ll likely be driving or towing equipment while operating your mobile business, the risk of causing damage can be substantial. You can choose a liability add-on covering the cost of damages deemed your fault. Consider the type of business that you own and the daily risk factors when deciding your coverage. Moreover, liability protection offers relief if you’re sued. It handles the legal fees you may incur during an active lawsuit.

Company Possession Theft and Damage

Your equipment or items could be stolen or damaged while performing services. Your mobile equipment is also at risk of theft or damage when your business is closed. Add-on protection that covers your investments will enable you to replace or repair business essentials as required.

Insurance Agent Consultation

Consult a Pro America Insurance agent to protect your mobile business to the best of your ability. One of our agents serving Naples, FL, will provide valuable advice to help secure your business.

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Home Insurance Coverage for Outdoor Structures

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Most homeowner’s insurance policies provide six types of coverage. One of these, other structures coverage, is designed to insure outdoor structures. These include, but aren’t limited to, an outdoor pool, fence, gazebo, or detached garage.

Other Structures Coverage: What is and isn’t Covered?

Coverage varies depending on the policy you pick. That’s why reading the terms, conditions, and fine print before you sign on the dotted line is essential. Even so, you can expect that most other structures’ policies cover all forms of damage not explicitly excluded by the policy.

Even so, a Naples, FL, homeowner can sometimes be denied compensation. One of these is the failure to maintain an outdoor structure. Outdoor structures insurance doesn’t cover damage caused by poor upkeep or pests. Thus, you may find yourself out of luck if the structure was in poor condition before being damaged or destroyed by a disaster covered under your policy. For instance, your policy may cover fire damage, but your insurer may be reluctant to provide compensation if the agency finds that the fence has signs of pest infestation.

Normal wear and tear isn’t covered by outdoor structures insurance. However, if your structure is old but well-maintained, you should be able to file a claim if it’s damaged by a disaster covered under your policy.

Contact Pro America Insurance for More Information

Pro America Insurance provides expert advice and great insurance policy options to Naples, FL, homeowners from all walks of life. Call us at your convenience if you want to pick a policy, bundle a policy, or explore different types of insurance for your house.

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