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Posts Tagged 'Claims'

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The Importance of Creating a Home Inventory

Creating a home inventory will come in handy when you need to file an insurance claim. When disaster strikes, it can be easy for people to forget what they own, in the midst of all the chaos. In the aftermath of a traumatic situation, most people cannot think clearly. Taking note of your possessions, while you are calm and sound of mind, will help expedite the process with your insurance company. Here are some tips to inventory your belongings: 1. Take a video of your entire home, from the time you walk through the door. Record everything you would want your insurance company to replace. Don't forget the important contents in drawers and cabinets. 2. Keep your receipts and other documents all in one place. 3. Note model and serial numbers of expensive items such as TV's, beds, couches, etc. 4. It is important to add the replacement cost for all the items you own, to make sure you have enough insurance coverage. If you are very close to your maximum coverage limit or go over the amount, you should call y ...

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Beware of Fraud Post-Hurricane Matthew

Florida Peninsula urges our policyholders who have experienced damage from Hurricane Matthew to call us first to protect themselves from fraud.

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Study Finds Insureds Believe it is Acceptable to Be Dishonest on Insurance Claims

According to new findings in a public opinion study conducted by the Insurance Research Council (IRC), 24 percent of respondents believe it is reasonable to increase an insurance claim by a small amount in order to cover a deductible. This is also known as "soft" or "opportunistic" fraud, referring to the claim embellishment. Soft fraud is incredibly difficult to detect and investigate. Perpetrators are often hard to distinguish from honest policyholders, and as the study shows, many consider their exaggerations to be morally acceptable. Insurance fraud is not a victimless crime. It affects innocent and honest policyholders who are left with higher premiums. Florida Peninsula takes insurance fraud extremely serious, and we encourage anyone with information on those committing insurance fraud to report it to us immediately by calling 866-923-2920, or by email at  To learn more about the study, click here.   Florida Peninsula is one of Florida's top homeowners insurance com ...

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