South Florida may be a tropical paradise, but it is no stranger to water damage. Surprisingly over 50% of most property insurance claims are for water damage, which makes up the greatest single expense for most insurance companies. Water damage can rot wood, rust steel, and de-laminate plywood. Something as small as a water stain, if not treated, can compromise a property’s structure, producing flooding which can cost hundreds of thousands of dollars in damage. This is not even taking into account water damage caused by weather systems such as hurricanes and tropical storms. Worse still, many small problems can precipitate this catastrophic water damage: broken pipes, heater/air conditioning leaks, shower pan leaks, roof leaks, even toilet overflows can cause water damage to a home or business. Even when the source of the water subsides, mold damage typically follows suit. Mold growth can exist after suffering water damage in your property in as little as 48 to 72 hours. Any property insurance plans, particularly in South Florida, must include a complete and comprehensive process to submit water damage insurance claims.
Because water damage is not always easily apparent, claims adjusters sent by insurance companies may underestimate or even completely deny water damage claims. Therefore there are certain concrete steps claimants must take to ensure their due compensation.
- Acquire a copy of your insurance contract to ensure that there are no disagreements over the language of your plan
- Until the insurance company and the claimant have come to an agreement about the scope of the damage, mitigate, don’t repair the water damage
- Document the damage, take as many pictures as you can, and where possible save samples of damaged dry wall or other affected surfaces
- If your insurance adjuster does not utilize thermal or infrared imaging, or moisture mapping technology then you should consider hiring a public adjuster who does
- Obtain your own estimates of the repair costs, three independent estimates from contractors are a good start
- If your claim is not settled within 45 days, you can and must demand an explanation why
- If your insurance company is unresponsive, consider contacting a public insurance adjuster
Hurricane Season precautions and preparedness
Advice for when a storm strikes
Hurricane preparedness is not only about insurance claims. There are many additional factors to consider. Here is a short list.
1. Understand Your Insurance Policy: It is very important, especially now that we are in the Hurricane season, to understand the terms and conditions of your insurance policy. You need to know what is covered and what is not. Don’t wait until the last minute, before the arrival of a hurricane or a big storm, because you won’t be able to get an insurance, not even adjust your current one
2. Take Care of Yourself: Before, during, and after a hurricane can be very dangerous. The first days and weeks after a storm are the most dangerous period. Injuries as consequence of falling from ladders, or by high tension cables snapping during storms and falling to the ground are possible. Be very careful
3. Avoid Scams: When disasters strike, some individuals might try to take advantage of you. Be aware of scammers. If you need to file an insurance claim, it is a good idea to do it with the help of a licensed public adjusters.
4. Get to know your neighbors: We are stronger as a community than as individuals. The more you share with others in your community, the more likely it will help ensure a recovery free of scams and frauds.
5. Have a plan: Your strategy must be specific to your environment, your community, your home, and your business. Plan ahead and have all your insurance information in a safe place
Once you assess the Storm Damage on your home, it’s time to call Gold Coast Public Adjusters. Storm damage claims can come from any number of storms. Hail, wind, flood, hurricane, and tornado all constitute as storm damage claims. Document the damage around the house like shingles, doors, or siding. Property Insurance claims help you cover the damage.
Damage caused by lightning is mostly produced by the strike. This damage may not be immediately apparent. Damage to appliances, electronics, and overall electrical infrastructure of your home or business is where most of the common issues are found. Once the damage is identified and measured, the homeowner or business owner could suffer a bigger loss than initially anticipated.
At Gold Coast Public Adjusters makes we work with any home and business owner who has experienced any damage from wind, fire, smoke or a storm to their property.
The process of extinguishing a blaze means that fire damage is also water damage. The combination poses a complex set of dangers and difficulties – we’re here to handle the project from start to finish! Gold Coast Public Adjusters 754-444-7411
Having your home damaged in a fire is devastating but the sooner you begin restoration the sooner you can find yourself back in the comforts of home – potentially an even more comfortable home than it was initially! At Gold Coast Public Adjusters we’re here to help – let’s get started. 754-444-7411
A Public Adjuster assesses your losses and helps you get every penny you deserve from your insurance company. You could be losing out on thousands of dollars. Call us at 754-444-7411
It is important to maintain a complete inventory list of your belongings. It will help you determine your personal property coverage amount for your Home Insurance policy.
A fire is an unfortunate event that can happen to anyone at any time. The first thing that you should do after the fire has been put out is to contact your public adjuster as soon as possible. Many insurance companies would require you to contact them within a certain amount of time after the incident to notify them of the loss that you have sustained. Let the public adjuster help you report date of loss, types of damage, injuries sustained, location of injuries, involvement of other parties, and description of the damaged contents. It is also important to create a visual record of the damage that you have sustained.