Descripción General del Seguro para Propietarios de Viviendas

El seguro de propietario de vivienda protege sus intereses financieros si su vivienda resulta dañada o queda destruida a causa de un peligro cubierto. Un peligro es algo que causa o puede causar lesiones, pérdida o destrucción, como un incendio, tornado o huracán.

Although we have tried to give you a brief overview of the coverage found in your homeowners policy, insurance policies vary between insurers so you should always take the time to review the coverage included in your own policy to make sure you have the coverage you need. It’s too late to obtain additional coverage after a loss has occurred.

Home Insurance Top 5 Common Concerns

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Tipos de Pólizas

Hay muchos tipos diferentes de pólizas de seguro de propietario de vivienda disponibles. Por lo general, el tipo de póliza coincide con el tipo de estructura a asegurar y de qué manera se ocupa la misma. El tipo de póliza también se correlaciona con la cobertura disponible.

Owner-Occupied: The main difference between policies which cover an owner-occupied, single family home is the perils covered. Basic or Broad Form policies (HO-1, HO-2) cover the structure for specified perils shown in the policy. Special form policies (HO-3) cover the structure for all perils except those specifically excluded in the policy.

Condo unit owners need a Condominium Unit-Owners Form (HO-6) which provides some coverage for the structure but primarily covers the personal property and liability of the insured. Condo unit owners policies normally cover named perils listed in the policy. However, a special endorsement can be purchased to broaden the policy to cover all perils except what is excluded in the contract.

The condo unit owners policy also provides Loss Assessment Coverage. It pays for your share of expenses for a covered loss to common property shared by all unit owners, up to the coverage limit. Policies must include at least $2,000 of loss assessment coverage with a deductible no greater than $250.

Renters: If you rent or lease your home, you need a renters policy (HO-4) to cover your personal property and liability.

Modified Coverage Form: Currently, in Florida, there are many insurers offering a Modified Coverage Form, (HO-8). The (HO-8) offers less coverage than the (HO-2). However, due to the company’s underwriting criteria, this may be the only coverage form offered by the insurer.

Dwelling Form: There are other property policies available for risks that may not qualify for a Homeowners policy. They are called Dwelling Forms. A Dwelling Form may be used instead of a Homeowner’s Form in the case of an older home, a home that is rented to others, or for other underwriting reasons.

Mobile Home: Many insurers have discontinued the sale of mobile home policies that duplicate Homeowners’ policies. Some insurers issue a dwelling form (discussed below) to cover a mobile home.

Cobertura

Un seguro de propietario de vivienda por lo general cubre la vivienda, incluyendo estructuras anexas, ciertas estructuras no anexas y sus bienes personales. Por lo general también se incluyen Gastos Cotidianos Adicionales (ALE, por sus siglas en inglés) y cobertura para responsabilidad civil. Todas las coberturas están sujetas a los límites especificados en la póliza.

ALE provides indemnity for “additional” expenses of an insured that must live elsewhere due to a covered loss to the insured residence. ALE pays only reasonable ”excess” expenses until the property is habitable.

Hay límites especiales en ciertos artículos, como joyas, armas, prendas de piel, dinero, cámaras, arte o antigüedades, etc. Usted debe revisar esta lista que figura en su póliza y hablar con su agente sobre cobertura adicional, de ser necesaria.

Los daños por inundación no son cubiertos por su póliza de seguro de propietario de vivienda. Si necesita cobertura para inundaciones, debe comprar una póliza de seguro para inundaciones.

Replacement Cost vs Actual Cash Value
There is a very clear distinction between these terms. Actual cash value (ACV) refers to a policy that covers items for their value at the time they are lost or stolen. This means depreciation will be deducted from the current value. Replacement cost refers to the cost to replace the item, regardless of how old or outdated it may be.

La mayoría de las pólizas de costo de reemplazo exigen que usted tenga límites para cubrir un cierto porcentaje del valor de reemplazo (generalmente el 80%). Si usted no cuenta con la suficiente cobertura de seguro, puede que sea responsable por un porcentaje de la pérdida parcial.

Ambos tipos de contratos se encuentran disponibles en la Florida. Usted debe consultar su propio contrato para determinar la manera en que será resuelta su pérdida.

Inflation Guard
Many insurance companies include a provision known as inflation guard in homeowners insurance policies so values increase on a yearly basis. However, this does not guarantee the values increase sufficiently to keep up with the cost of construction. This provision helps prevent problems of homes being underinsured. It is still the responsibility of the insured to evaluate their coverage each year to determine if the amount on the policy is sufficient. If an insured has concerns about the amount of coverage, they should speak with their agent about completing a new replacement cost estimate for their home.

Inspecciones

Hay muchos tipos de inspecciones de propiedades. Las más comunes se muestran a continuación. Si la compañía de seguros solicita una inspección de 4 puntos o especializada y no se proporciona, puede negarse a proporcionar cierta cobertura o tal vez se niegue a asegurar la propiedad en lo absoluto.

Underwriting Inspection (Insurer Pays Cost): An insurer may require a visual inspection prior to writing a policy. This inspection is done to verify information given on the application about the home and property. The insurer may verify the construction of the home and whether there are potential hazards on the property such as unacceptable animals, pools, trampolines, unrepaired steps, steps without handrails, etc. The insurer may use the inspection to determine the presence of certain types of wiring or electrical panel boxes they believe increases the risk of a fire.

The inspection may also verify the maintenance of the home such as whether the property has any unrepaired damage. The insurer considers whether the home is properly maintained, such as, overgrown grass and weeds, trees with dead limbs near the home, non-operating vehicles on the property, etc. The insurer decides what risks to assume or avoid. If the insurer finds any of the risks listed above (this is not an all inclusive list), they may refuse coverage.

Insurers hire their own inspectors or inspection firms to inspect the condition of a property prior to the original issuance or renewal of a policy. This is part of the underwriting process. These inspectors are hired and paid by the insurance company so they decide who to use and what qualifications they must meet. Florida law does not address who an insurance company can hire for their underwriting process. The Department of Financial Services would not have authority to intercede on an inspector’s behalf if they were denied employment/contracts with an insurer.

4-Point Inspection: If you are insuring an older home, the insurer may require an inspection of the following items: The roof (to determine its life expectancy), the plumbing, electrical wiring, or heating and air. The insured/applicant pays for this inspection.

Specialized Inspection: Sometimes, an insurer may request an inspection of only one item, such as the roof. The determination of the life expectancy of a roof is one of the most common inspections requested today. Another common inspection requested in certain areas is sinkholes. The insured/applicant pays for this inspection.

Mitigation Inspection: Policyholders may elect to have an inspection to determine what wind mitigation credits they are entitled to receive on their homeowner’s windstorm premium. These inspectors complete the OIR-B1-1802 inspection form for the insured to submit to their insurance company. Insurers have the right to reinspect your home to verify your entitlement to these credits. The consumer normally pays for this type of inspection. However, if the insurer elects to reinspect a property, the insurer pays for the inspection.

Premium Discounts For Hurricane Loss Mitigation

Tarifas

Las Tarifas Base de Primas de Seguros de Propiedad son determinadas tomando en cuenta los siguientes factores.

La ubicación de la propiedad: se puede usar la ciudad, el condado o el código postal para establecer el territorio.
La cantidad de cobertura en la vivienda.
The fire protection class: The rating of the fire department in that territory. The ratings range from 1-10 established by the Insurance Services Office. A rating of Class 1 represents exemplary fire protection, and Class 10 indicates that the area’s fire-suppression program does not meet minimum criteria.
Los Créditos de Mitigación de Riesgos proporcionados para ciertos artículos que ayudan a reducir las pérdidas por huracanes/tormentas.
La construcción de la vivienda, por ejemplo estructura de madera, bloques de concreto, ladrillos, etc. Las compañías cobran primas diferentes según la resistencia a incendios del material de construcción.
Algunas compañías de seguros cobran una prima más alta según la antigüedad de la vivienda.
Some insurance companies charge a higher premium if you didn’t consistently maintain prior homeowners coverage.

Luego de determinar la tarifa base, se aplican otros factores de clasificación para determinar los recargos y créditos individuales. También, las evaluaciones actualmente previstas se agregan a la tarifa base para determinar la tarifa final.

En la mayoría de las instancias, una compañía de seguros debe cobrar las tarifas presentadas ante la Oficina de Regulación de Seguros. Sin embargo, con un consentimiento por escrito firmado por el asegurado antes de la fecha de comienzo de la póliza, la compañía de seguros puede usar una tarifa por sobre la tarifa presentada correspondiente en cualquier riesgo específico. A esto también se le denomina Clasificación A o Tarifas Excesivas. Una compañía de seguros puede no usar un consentimiento del formulario de tarifa para más del 5 por ciento de sus pólizas de líneas personales escritas o renovadas en cada calendario.

Suscripción

Cancelación

Limitaciones de la Cancelación

Act of God Claims: Only under certain circumstances is it permissible for claims on property insurance policies that are the result of an "Act of God", to be cited as the reason for cancellation. The insurer must demonstrate, by claims frequency or otherwise, that the insured has failed to take action reasonably necessary, as requested by the insurer, to prevent recurrence of damage to the insured property. However, the insurer may raise a deductible at renewal.

Daycare on Premises: With exceptions, Florida law prevents an insurer from canceling a homeowners' insurance policy solely on the basis of operating a daycare business at the residence. The insurer can cancel a policy if one or more of the following conditions exist:

El asegurado no posee una póliza de responsabilidad civil o endoso aparte en todo momento que proporcione cobertura por responsabilidad civil para las operaciones de cuidado diurno en la vivienda;
El asegurado no cumple con el requisito de licencia y registro para realizar cuidado diurno; o
La compañía de seguros descubre acciones u omisiones negligentes deliberadas o graves, o cualquier violación por parte del asegurado, o por sus representantes, de las leyes o regulaciones estatales que establecen normas de seguridad para las residencias de cuidado diurno, lo cual aumenta significativamente los riesgos asegurados.
Los cuidados asegurados para una cantidad mayor de niños de la permitida por ley;

During a Hurricane:If a cancellation is scheduled to take place during a hurricane, the insurer is required to extend coverage until the end of the duration of the hurricane. However, the insurer may charge the “current” premium rate (the rate then in effect) for the extended coverage.

Mortgage Company failed to pay premium from escrow: If funds were available in escrow and the mortgage company failed to pay the premium in a timely manner resulting in cancellation of the policy, the insurance company should reinstate coverage with no lapse if the premium is received within 90 days of the renewal date. The lender should reimburse the property owner for any penalty or fees imposed by the insurer and paid by the property owner for purposes of reinstating the policy

Si el prestamista paga la prima más de 90 días después de la fecha de entrada en vigencia, y la compañía de seguros se niega a reintegrar la póliza de seguro, el prestamista deberá pagar la diferencia entre el costo de la póliza de seguro anterior y la nueva póliza de seguro comparable por un período de 2 años. Sin embargo, esta ley no está incluida en el Código de Seguros. Por lo tanto, las quejas relacionadas con el prestamista deben hacerse en la Oficina de Regulación Financiera (OFR) llamando al (850) 487-9687.

Pending/Open Claim or Existing Damage:Currently, there are no laws that prohibit an insurer from cancelling a property policy if the insured has a pending claim except upon a declaration of an emergency and the filing of an order by the Commissioner of Insurance Regulation.

Premium Refund Timeframe:When a Property Policy is cancelled by the insurer or the insured, any unearned premium must be returned to the insured within 15 working days after the effective date of the cancellation. (Unless the policy is subject to an audit) If the premium is financed with a Premium Finance Company, the unearned premium must be returned to the Premium Finance Company.

Sinkhole Claim:Florida law states an insurer may not cancel any property policy on the basis of a claim for a partial loss caused by a sinkhole, as long as the total of the claim payments do not exceed the current policy limit and provided the insured has repaired the structure in accordance with the engineering recommendations. If the policy limits are paid, the policy can be non-renewed by the insurer.

Water Damage Claim:A single claim on a property insurance policy which is the result of water damage may not be used as the sole reason for cancellation unless the insurer can demonstrate that the insured failed to take action reasonably requested by the insurer to prevent a future similar occurrence of damage to the insured property.

No renovación

Limitaciones de la No Renovación

Act of God Claims: Only under certain circumstances is it permissible for claims on property insurance policies that are the result of an "Act of God", to be cited as the reason for nonrenewal. The insurer must demonstrate, by claims frequency or otherwise, that the insured has failed to take action reasonably necessary, as requested by the insurer, to prevent recurrence of damage to the insured property. However, the insurer may increase a deductible at renewal due to act of God claims.

Credit Report/Score: Insurers cannot non-renew a homeowners policy solely based on information from a credit report, for having no credit history, or for having an adverse credit history due to medical bills. Also, if the insurer refuses to insure or non-renews a policy due to adverse information contained on a credit report, they must furnish the insured with a copy of the report or provide the name, address, and telephone number of the reporting agency.

Daycare on Premises: With exceptions, Florida law prevents an insurer from nonrenewing a homeowners' insurance policy solely on the basis of operating a daycare business at the residence. The insurer can nonrenew a policy if one or more of the following conditions occur:

Los cuidados asegurados para una cantidad mayor de niños de la permitida por ley;
El asegurado no posee una póliza de responsabilidad civil o endoso aparte en todo momento que proporcione cobertura por responsabilidad civil para las operaciones de cuidado diurno en la vivienda;
El asegurado no cumple con los requisitos de licencia y registro para realizar cuidado diurno; o
La compañía de seguros descubre acciones u omisiones negligentes deliberadas o graves, o cualquier violación por parte del asegurado, o por sus representantes, de las leyes o regulaciones estatales que establecen normas de seguridad para las residencias de cuidado diurno, lo cual aumenta significativamente los riesgos asegurados.

During a Hurricane: If a nonrenewal is scheduled to take place during a hurricane, the insurer is required to extend coverage until the end of the duration of the hurricane. However, the insurer may charge the “current” premium rate (the rate then in effect) for the extended coverage.

Nonrenewal of more than 10,000 policies: An insurer planning to nonrenew more than 10,000 residential property insurance policies within a 12-month period must advise the Office of Insurance Regulation 90 days before the issuance of any notices of nonrenewal. The notice to OIR must disclose the reason for the nonrenewal, the effective dates, and any arrangements made for other insurers to offer coverage to affected policyholders. This requirement does not apply to the policies being nonrenewed to exclude Sinkhole coverage.

Pending/Open Claim or Existing Damage: Currently, there are no laws that prohibit an insurer from cancelling a property policy if the insured has a pending claim except upon a declaration of an emergency and the filing of an order by the Commissioner of Insurance Regulation.

Single Water Damage Claim: A single claim on a property insurance policy which is the result of water damage may not be used as the sole reason for non-renewal unless the insurer can demonstrate that the insured failed to take action reasonably requested by the insurer to prevent a future similar occurrence of damage to the insured property.

Sinkhole Claim: Florida law states an insurer may not non-renew any property policy on the basis of a claim for a partial loss caused by a sinkhole, as long as the total of the claim payments do not exceed the current policy limit and provided the insured has repaired the structure in accordance with the engineering recommendations. If the policy limits are paid, the policy can be non-renewed by the insurer. (The policyholder can also request cancellation of the policy once the policy limits are paid and should receive a refund of any unearned premium that may apply.)

Sinkhole Coverage Elimination: An insurer may non-renew a property policy that provides Sinkhole Coverage. However, the insurer must offer the policyholder a policy that provides coverage for Catastrophic Ground Cover Collapse instead. The policyholder must be notified the non-renewal is for the purpose of removing sinkhole coverage, and that the policyholder is being offered a policy that provides catastrophic ground cover collapse. Subject to the insurers approved underwriting and insurability guidelines, the insurer must provide the policyholder with the opportunity to purchase an endorsement which provides sinkhole coverage. The insurer may require an inspection of the property before issuing the endorsement.

Wind coverage elimination: If a residential structure is currently covered with a policy which includes wind, but the property is eligible for wind-only coverage with Citizens, the insurer may elect to offer a renewal policy with wind excluded. In some instances the insurer may discontinue the existing policy and issue a replacement without wind coverage.

Notificación de Requisitos de "Cambio de Póliza"

Según la Sección 627.43141, Estatutos de la Florida, una renovación de contrato de seguro para propiedad y accidentes puede contener un cambio en los términos de la póliza. Si una renovación contiene dicho cambio, la compañía de seguros debe proporcionarle al asegurado designado una notificación por escrito del cambio, que puede incluirse en la notificación de prima de renovación requerida por los Estatutos de la Florida 627.4133 and F.S. 627.728 or sent separately within the specified timeframe. Some policies that fall within this category are: personal auto, commercial and residential property, worker’s compensation, employer’s liability, inland marine, personal liability and watercraft. The insurer must also provide a sample copy of the notice to the named insured’s insurance agent before or at the same time the notice is provided to the named insured. The notice must be entitled “Notice of Change in Policy Terms.”

A renewal policy, which includes the addition of optional coverage that increases the premium to a policyholder, may not use the “Notice of Change in Policy Terms” to add the optional coverage to the policy unless the policyholder affirmatively indicates to the insurer or agent that they approve the addition of the optional coverage. Optional coverage is defined as the addition of new insurance coverage that has not previously been requested or approved by the policyholder.

Although not required, proof of mailing or registered mailing through the US Postal Service of the “Notice of Change in Policy Terms” to the named insured at the address shown in the policy is sufficient proof of notice.

El recibo del pago de la prima para la póliza de renovación por parte de la compañía de seguros se considera como la aceptación de los nuevos términos de la póliza por parte del asegurado designado.

Si una compañía de seguros no proporciona la notificación requerida, los términos originales permanecen en vigencia hasta la siguiente renovación y hasta que se proporcione la notificación apropiada, o hasta la fecha de entrada en vigencia de la cobertura de reemplazo obtenida por el asegurado designado, lo que ocurra primero.

Please note: “Change in Policy Terms” means the modification, addition, or deletion of any term, coverage, duty, or condition from the previous policy. The correction of typographical or scrivener’s errors or the application of mandated legislative changes is not a change in policy terms.

La intención de esta ley es permitirle a las compañías de seguros hacer cambios en los términos de las pólizas sin tener que rechazar la renovación a los titulares de pólizas que desean continuar asegurando. Además, le da tranquilidad a los titulares de pólizas a quienes les preocupa y confunde el hecho de la no renovación de póliza requerida si la compañía de seguros tiene la intención de renovar la póliza de seguro, pero la nueva póliza contiene un cambio en los términos, y alienta a los titulares de póliza a analizar su cobertura con sus agentes de seguros.

Inquietudes Sobre Reclamaciones Comunes

Non-matching replacement materials: When a loss requires replacement of items and the replaced items do not match in quality, color or size, the insurer should make reasonable repairs or replace the items in adjoining areas. The insurer may take into consideration such things as the cost of repairing or replacing the items in the adjoining areas, the degree of uniformity that can be achieved without the cost, the remaining useful life of the undamaged portion, and other relevant factors.

Debris and Tree Removal: Most insurance policies cover debris & tree removal if the downed tree damaged insured property regardless of who owns the tree. However, there are usually limits that the company will pay. There is usually no debris removal coverage if the trees fell on the ground and did not damage covered property. Some policies provide debris & tree removal if the downed tree blocks the main entrance to the property. Since insurance policies vary between insurers, you should always refer to your own personal contract.

Insurer's duty to acknowledge claim communications: An insurance company must respond to any communication with respect to a claim within 7 calendar days, unless payment is made within that period of time or unless the failure to acknowledge is caused by factors beyond the company's control. A communication made by an agent or another employee of a company shall constitute communication to or by the company. The communication can be made in writing, verbally, or any other form.

Within 7 days after the company receives proof of loss statements, the company must begin its investigation of a claim unless the failure to investigate is caused by factors beyond the control of the company.

Please note: "Beyond the control" means 1) any state of emergency declared by the Governor, a breach of security that must be reported under section 501.171, Florida Statutes, or an information technology issue that serves as the basis for the Office of Insurance Regulation issuing an order that such event renders all or specified property insurers from reasonably being able to meet the requirements in section 627.70131, Florida Statutes, and 2) any actions by the policyholder or his/her representative which constitutes fraud, lack of cooperation, or intentional misrepresentation regarding the claim which reasonably prevents the insurer from complying to these requirements.

Insured's duties after a loss: When a loss occurs, the insured should promptly notify their agent or insurance company, and review the Conditions, Duties after a Loss Section of their policy. There are separate conditions for Section 1 (Property Coverage) and Section 2 (Liability Coverage) of the contract. If more than one insurance policy covers the occurrence, all insurers should be notified. Initial and reopened claims must be reported within 1 year after the date of loss. Any supplemental claims must be reported within 18 months of the date of loss.

The insured has a responsibility to mitigate damages to their property and protect the property from further damage. The insured should make reasonable temporary repairs and keep accurate records and receipts of those repairs. It is always a good idea to take photos of the damage prior to making temporary repairs, if possible.

El asegurado también debe recopilar un inventario de todos los bienes personales dañados. El inventario debe incluir la fecha de compra, la cantidad, una descripción, el valor y el monto pagado por cada artículo. Es posible que se le solicite al asegurado proporcionar recibos, facturas y cualquier otro documento relacionado para justificar los montos proporcionados.

El asegurado debe cooperar con la compañía en la investigación de la reclamación. Se puede solicitar al asegurado y a otras partes una declaración que constará en actas o una declaración bajo juramento.

If the occurrence is related to a liability issue, the insured should forward all notices, demands, summons, or other process documents relating to the "occurrence " to the insurer immediately upon receipt.

Notice of Windstorm or Hurricane Claim: The time period an initial, supplemental or reopened claim can be presented to an insurer under a property insurance policy providing coverage for windstorm or hurricane is limited. Under current Florida law, these claims are barred unless notice was given to the insurer in accordance with the terms of the policy within 1 year (for initial claims) or 18 months (for supplemental claims) after the hurricane first made landfall or the windstorm caused the covered damage.

Timeframe for Payment of Claim: Within 60 days after a company receives notice of a new, reopened or supplement property insurance claim, the company must pay or deny the claim. If the settlement amount is contested, the company should pay all uncontested amounts within the 60-day timeframe unless the failure to pay the claim or the uncontested amount is caused by factors beyond the control of the company. Any payment (portion or entire claim) paid more than 60 days after the company receives notice of the claim, or paid after the expiration of any additional timeframe for making payment provided by the Office of Insurance Regulation when it finds factors beyond the control of the company, whichever is later, will bear interest according to Section 55.03, Estatutos de la Florida.

Please note: "Beyond the control " means 1) any state of emergency declared by the Governor, a breach of security that must be reported under section 501.171, Florida Statutes, or an information technology issue that serves as the basis for the Office of Insurance Regulation issuing an order that such event renders all or specified property insurers from reasonably being able to meet the requirements in section 627.70131, Florida Statutes, and 2) any actions by the policyholder or his/her representative which constitutes fraud, lack of cooperation, or intentional misrepresentation regarding the claim which reasonably prevents the insurer from complying to these requirements.

Valued Policy Law: In the event of the total loss of any building, structure, or mobile home, the insurer's liability under the policy for the loss is the face amount of the policy, if such loss was caused by a covered peril.

Consejos para Propietarios de Viviendas

<¡Verifique antes de comprar! Contáctenos a fin de verificar la licencia del agente y de la compañía de seguros antes de firmar la solicitud para una póliza.

Prepare a Home Inventory Checklist: A home inventory – along with photos and proof of ownership - will make it easier to file an accurate, detailed insurance claim in case your home is damaged or destroyed. When you have a loss, it is your responsibility to know what property you have, when it was purchased, how much you paid for it, and how much it will cost to replace it. You should also keep receipts for large purchases, or keep your credit card statements. You may be asked to prove that you ever owned the item in question. It is always a good idea to take pictures or videos of your property as well.

¡Mejores Códigos de Construcción Implican Tarifas más Bajas! El Programa de Evaluación de Efectividad de Códigos de Construcción (BCEGS) evalúa los códigos de construcción en vigencia en una comunidad en particular y cómo la comunidad impone sus códigos de construcción, con énfasis especial en mitigación de pérdidas a causa de desastres naturales.

¡Asegúrese de que su vivienda esté asegurada apropiadamente! Si tiene una póliza de costo de reemplazo y no mantiene el monto apropiado de seguro, puede ser sancionado cuando presente una reclamación. Aunque la mayoría de las pólizas de propietario de vivienda incluye un ajuste por inflación para aumentar automáticamente su cobertura todos los años, usted debe consultar a su agente de seguros una vez al año, para confirmar de que cuenta con la cobertura adecuada.

Read your policy carefully! Insurance policies differ between insurance companies so you must review your own contract. Insurance policies do not cover everything, read the exclusions. Also, there are limitations on certain types of personal property, such as but not limited to antiques, firearms, jewelry, furs and electronics, including computers and their equipment. In most instances, additional coverage may be purchased. Talk to your agent about additional coverage.

¡Guarde una copia de sus documentos importantes en otro lugar! En el caso de que su vivienda resultara totalmente destruida, usted tendría copias de todos los documentos importantes incluyendo recibos, ya que podría necesitar llegar a un acuerdo con su compañía de seguros por una reclamación.

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