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If home repairs are rising, the FPL company is submitted to reserve. However, like insurance policies, not everyone is happy.
The story has been updated.
Your chances of beating by lightning in any specific year are much better than winning the lottery, but living in the world of lightning in the world-Florida-makes it a greater possibility than one amount in millions.
This is one of the reasons why Alex Solta, 44, buys protection for apostasy, called Surgeshield, from a affiliate of Florida Power & Light, as long as it is available. The company’s officials say that the company’s largest benefit in the state, which is called the FPL Home, presented it for the first time in 2004, and now it has become the most popular house protection product in FPL Home.
Surgeshield clients get a garrison installed on their electric meter, and if this fails, the limited manufacturer guarantee is of $ 5,000 per device covered for each occurrence. Recently, while real estate insurance companies are increasingly excluded vibrant water damage, the same affiliate of FPL in 2017 has started providing programs that protect external water service lines, external sewage line, repair of a water heater, replacement, internal system and sewage system.
So far, Benton Beach’s father seems to be a single child who says it was better to put Surgeshield – now at $ 10.95 a month – regardless of replacing TVs that he says was cut when hitting the Lightning in September.
Four months after his TV devices were discovered on Fritz after a storm, he was not compensated for the damage.
“Everything is a joke,” Solto, who works in insurance. “I will not trust them with a drawing.”
A FPL Home spokeswoman cited the confidentiality of customers when she refused to comment on the described situation in SOLETO on a Facebook page called “Boynton Beach Raw”. The next day for the following Palm Beach Post, he asked FPL Home about his claim, although he heard from the company’s representative after months of silence.
“We were told that our case is being reviewed again,” he said.
FPL Home spokesman said that the claims of losing with completely completed paper works are honored.
However, the situation raises a question: Doesn’t the property insurance cover these elements? The answer is, in some cases, yes, and in other cases, especially those that involve water, no.
Mark Friedland, Director of Communications Corporate Communications at the Institute of Industry Insurance Information, said that the damage to lightning, including the high energy that causes damage to devices and electronics inside the home, is usually covered in a standard home policy.
“The standard home policy covers the damage of the electrical system caused by a sudden and opposing event like a thunderbolt or other harsh weather risks,” said Friedlander. “The damage caused by the erosion of the electrical system, the improper or the wrong classified maintenance does not cover.”
For Soleto, although the cost of repairing or replacing three TVs was much lower than the owner of his home owner of $ 2500. There is no discount on Surgeshield coverage.
The FPL external water service line coverage is announced at $ 3.74 per month and easily added to the FPL bill. The normal wear of the external water service line, which does not do the standard home insurance policy, will cover Fredeller.
“You need to purchase water and water backup optionally as versions to protect this type of loss,” Ferdelander wrote in an e -mail.
For interior plumbing and sewage problems, FPL Home coverage will cover copper tubes, as many insurance companies will not discover them during inspection.
Water damage covered by the ideal home insurance is completely defined. The sudden explosion of pipes, for example, is covered under the standard insurance of homeowners. But if the damage is the result of the continuous situation, and more than 14 days, the water damage will not be covered with the policy of the home owner.
Meanwhile, the policy described by the FPL Home on its site on its website does not limit the time the problem has been developed, just as the home owner insurance is covered. But the maximum service of $ 5,000 annually will most likely cover a kind of catastrophic damage that water can cause, as domestic insurance does, in appropriate conditions.
However, obtaining contentment in the event of a loss can be a challenge in both types of coverage. However, home insurance companies are organized through the Florida Insurance Regulation Office, and the state’s financial services are officially taken by complaints of the property insurance company.
FPL organizer is the public service panel and the site that announces the FPL home coverage that shows that the policies are provided by FPL Home, a “non -organized company” for the FPL.
Solto, who made three trips to Best Bay, said, according to his homework treatment, in an attempt to fix his TV devices, that he is publishing the word on a large scale about what he faced.
His post on Facebook has exploded with hundreds of comments – some of which are completely sad about the FPL Home payment record – proves that this coverage is not announced, or at least not easy to access it as the customer may assume.
His experience varies with a claim to some of the Christmas materials he bought in Wall Mart when they stopped carrying air. He presented his claim, along with evidence that they did not fill. He said he immediately received an apology, and after 14 days, he examined the full price of the products.
“Thus things should do,” said Solito. “You prove that something does not work, you prove that it was not you who broke it, then you receive their salaries in exchange for that.”
Anne Geggis is a Palm Beach Post, which is part of the USA Tody Florida. You can access it on Agegis@gannett.com. Help support our press. Subscribe today.
