MGM Recovery

Flood insurance typically does not cover hurricanes. While both floods and hurricanes can cause extensive damage to homes, there are different types of events that require separate insurance coverage. Flood insurance specifically covers damage caused by flooding, defined as excess water on normally dry land. This can include heavy rain, overflowing rivers or streams, storm surge, or other similar events. On the other hand, hurricane or windstorm insurance specifically covers damage caused by high winds, flying debris, and other storm-related perils associated with hurricanes. This insurance is typically included in a standard homeowners insurance policy or may require a separate policy depending on the location and risk level of hurricanes in the area. It is important for homeowners in hurricane-prone areas to understand their insurance coverage and consider both flood and hurricane insurance to ensure they are adequately protected. While flood insurance does not cover hurricane damage, hurricanes can often result in significant flooding due to heavy rainfall, storm surge, or the breaching of levees or dams. Without the appropriate insurance, homeowners may be left without financial assistance to repair or rebuild their homes after a hurricane.

Water damage is a common issue that many homeowners in Florida face. Because of heavy rainstorms, hurricanes, or plumbing issues, water damage can cause significant harm to property. As a result, homeowners wonder if their insurance policies cover water damage. In Florida, the coverage for water damage depends on the type of insurance policy a homeowner holds. Most standard homeowner’s insurance policies include coverage for sudden and accidental water damage caused by events such as burst pipes or an overflowing bathtub. This coverage typically includes the cost of repairs to the property and any damaged personal belongings. It is important to note that homeowner’s insurance policies usually do not cover water damage caused by flood-related events. Flooding is typically considered a separate peril and requires a separate flood insurance policy, which is commonly provided through the National Flood Insurance Program (NFIP). This coverage is crucial for Florida homeowners, as the state is prone to hurricanes and heavy rainstorms that can lead to severe flooding. Flood insurance is not typically included in standard homeowner’s insurance policies, but it can be purchased separately to protect against flood-related water damage. We highly recommend that homeowners in flood-prone areas to consider flood insurance, as the cost of repairing flood damage can be exorbitant.

Yes, insurance companies provide coverage for natural disasters. Natural disasters, such as hurricanes, earthquakes, floods, wildfires, and tornadoes, can cause significant damage to properties and result in substantial financial losses. To mitigate such risks, insurance companies offer various types of policies that specifically cover damage caused by natural disasters. Homeowner insurance policies typically include coverage for natural disasters. These policies typically provide financial protection for both the structure of the home and its contents. In the event of a natural disaster, the insurance company will compensate the policyholder for the costs of repairing or rebuilding the damaged property, as well as replacing or repairing damaged personal belongings. Commercial property insurance policies also cover natural disasters. Businesses can purchase insurance coverage to protect their properties, inventory, equipment, and other assets from the potential damage caused by natural disasters. This coverage can help businesses recover from the financial losses incurred due to property damage, business interruption, and the cost of replacing damaged equipment or inventory. There are also specialized insurance policies available for specific natural disasters.

Home insurance typically covers a wide range of natural disasters, including: 1. Fire: Homeowner insurance policies usually provide coverage for damage caused by fires, including structural damage to the house and its contents. This coverage may extend to wildfires as well. 2. Windstorms: Homeowner insurance often covers damage caused by strong winds, including hurricanes, tornadoes, and cyclones. This can include damage to the roof, windows, and other structures on the property. 3. Hailstorms: Hail can cause significant damage to a home’s exterior, including the roof, siding, and windows. Home insurance policies generally provide coverage for hail damage. 4. Lightning strikes: Lightning strikes can cause fires or damage electronic equipment in a home. Home insurance typically covers the cost of repairs or replacements for such damage. 5. Snowstorms and ice damage: Home insurance usually covers damage caused by heavy snowfall, ice storms, and freezing temperatures. This can include roof collapses, burst pipes, and damage to the home’s interior. 6. Earthquakes: Standard home insurance policies do not typically cover earthquake damage, but it is possible to purchase separate earthquake insurance or add an endorsement to an existing policy in areas prone to seismic activity. 7. Flooding: Standard home insurance policies typically do not cover flood damage. However, homeowners can purchase separate flood insurance policies through the National Flood Insurance Program (NFIP) or private insurers to protect their homes from flood-related damage. The extent of coverage for natural disasters may vary depending on the specific policy and insurance provider. Some policies may provide comprehensive coverage for all listed natural disasters, while others may have specific exclusions or limitations. Be sure to carefully review the terms and conditions of an insurance policy to understand the extent of coverage for natural disasters.

MGM Recovery offers services including Emergency Water Mitigation, Mold Remediation, Smoke Remediation, Fire Remediation, Trauma Clean Up, and Biohazard Clean Up.

MGM Recovery is open Monday through Friday from 8:00 AM to 5:00 PM and is closed on Saturdays and Sundays, but offers 24-hour emergency services.

MGM Recovery accepts American Express, Cash, Check, Discover, MasterCard, Visa, and Zelle as payment options.

MGM Recovery is located at 4040 Kidron Rd, Suite 9, Lakeland, FL 33811, USA.

Yes, MGM Recovery serves Polk County, FL, along with other nearby counties.

Customers can visit nearby places such as Select Offroad LLC for automotive parts and supplies, Pelican Pest Prevention for pest control and landscaping, and Jassal Liquors for beverage needs.

Yes, nearby automotive services include Triple J Automotive Solutions, Day and Night Tire Services, and Complete Fleet Care, which customers may find helpful for their vehicle needs.

MGM Recovery provides services in English and Spanish to accommodate a diverse customer base.

Customers can send emails to claims@mgmrecovery.org to address insurance claims and related inquiries.

MGM Recovery is a family-owned business that prides itself on providing exceptional mitigation and remediation services with a focus on both commercial and residential project management.