Water Damage Public Adjuster In Fort Lauderdale
Water Damage In Fort Lauderdale
A Water disaster can happen at anytime. Typically the occurrences are sudden and unexpected and the damages could be very difficult to detect depending on the specific nature of loss. It has been widely reported within the insurance industry that the most frequent type of loss in Fort Lauderdale Florida is from water. Events include events such as frozen AC pipes, broken pipes, leaks from appliances, sewage backups,. For those that have little to no experience in handling a insurance claim the policy language can be very confusing at best. To receive full and fair compensation for a loss, it is advantageous to have experienced Water Damage Public Adjusters In Fort Lauderdale to advocate on your behalf
Once a water loss has occurred, the single most important thing you need to do is begin proper emergency mitigation. Removal and dry out should begin immediately. Consider employing an experienced public adjuster to guide you through this process. How a water loss is handled in the first 24 hours can be critical in the outcome of your property damage claim. As an example, we often see insurance company adjusters interested in saving money for the carrier neglecting to remove baseboards and other finishings. This prevents air to circulate throughout a building’s wall system. Wet carpet needs to be pulled in total or you may be harboring conditions which could lead to further damage or mold conditions. Sticking a blower in an up-lifted corner of carpet will not get the job done as often the padding is soaked and needs to be replaced.
Any type of water loss generally takes time for the effects of the water damage to show up. Once wet, wood and other types of finishes and furnishings may take days to dry. Often separation and splitting will not start to show up until much later. An experienced Lincoln pubic adjuster will work with you and the restoration company to coordinate the very important issues water losses can present in order to protect your damage claim.
Water damage and flood damage are often thought of as the same event or peril. in fact, they can be completely different with one being covered and one excluded under common property insurance policies. Be careful of the terminology you use with your insurance company when you call in your claim.
Am I Covered For Water Damage?
Because water damage is the most frequent type of insurance loss and thus cause the greatest expense to the insurance company, we are seeing some insurance companies trying to shift this cost to the policyholder even though the policy covers the peril of water. A new trend is putting language in the policy that says any water loss that is reported past a 14 day period will not covered, or they will only cover up to 10k dollars even if the damage you sustained was much more. If water damage is covered from day one through day thirteen, how does a water loss stop being covered and how do you determine if a water loss is 13 or 17 days old?
This is devastating to homeowners, particularly to snowbirds in Florida who are away part of the year or owners away from their property on vacation or for business. Pay attention to this and understand your policy. It is a big deal and could prove to be very costly. Policyholders should be up in arms on this issue and contact their local legislative office and their Office of Insurance Regulation.
Drying Out Your Home After A Water Loss
Consider exercising your option to bring in your own water extraction company, restoration specialist, or dry out firm. Lots of carriers now have their own”preffered vendors” this is not always the best choice since they may be operating under cost constraints that limit their ability to do the best job.
There are multiple restoration company’s in Fort Lauderdale but do your due diligence beforehand and make sure they are a reputable and trustworthy company.
Additionally, drying out your property properly will help prevent and mold from growing. About 50% of water damage insurance claims in Fort Lauderdale the most damage is actually caused by the mold as opposed to the actual water damage. Mold remediation can be very costly and most homeowners insurance policy’s have a separate coverage specifically for mold damage and mold remediation. If you are unsure if you have coverage for mold damage a Florida Public Adjuster can help.
Flood Insurance Claims Fort Lauderdale
As public insurance adjusters who deal with flood issues on a regular basis, we recommend you read and understand your flood insurance policy before a loss, as it is limited in amounts and scope of coverage. Remember that the flood adjuster that is sent out by your insurance company and works for them thus having their best interests in mind
Naturally there will be numerous insurance claims filed following a major disaster or flood event. As our Miami claims adjusters have witnessed many times before, it may take a very long time for the relief efforts to reach your specific area. One also needs to factor in the amount of claims that will be assigned to the carrier adjusters that will be hired to adjust thousands of flood claim losses. As a result, it may take your adjuster a considerable amount of time before they will have the opportunity to reach your property. In these situations, we recommend being proactive by hiring a public adjuster who can dedicate his/her time to your specific claim in detail so you receive everything you are entitled to and in as short a time as possible.