Residential Claims
Your home is your castle and usually its your single largest investment. Insurance companies are supposed to fully indemnify a policyholder if you ever experience a covered loss to your property. The truth is that sometimes it doesn't work that way as evidenced in best selling publications such as "From Good Hands to Boxing Gloves".
Do you know what is covered (or not) in your homeowners policy? Most people really do not. A covered loss refers to damage caused by something that your policy includes and does not exclude. For example, the typical all risk homeowner policy covers things like water damage from broken plumbing, hurricanes, fires and anything else that is not excluded. Alternatively, you may have purchased a different kind of policy called a named perils policy which covers very specific types of losses.
You may not know if you have a claim or not. The experienced team at Reliant Insurance Adjusters is uniquely qualified to assist you with analyzing your insurance policy, assessing the full extent of your damages, documenting the claim in a professional demand package and presenting it to your insurance company while making sure that you (and the insurance company's adjuster) are in compliance with all policy provisions.
Many times your policy will have exclusions that you may not even know about. Other times there may be coverage you did not know you had. The experts at Reliant can help you through the complicated claim process and help you recover financially from your loss.
Do you know what is covered (or not) in your homeowners policy? Most people really do not. A covered loss refers to damage caused by something that your policy includes and does not exclude. For example, the typical all risk homeowner policy covers things like water damage from broken plumbing, hurricanes, fires and anything else that is not excluded. Alternatively, you may have purchased a different kind of policy called a named perils policy which covers very specific types of losses.
You may not know if you have a claim or not. The experienced team at Reliant Insurance Adjusters is uniquely qualified to assist you with analyzing your insurance policy, assessing the full extent of your damages, documenting the claim in a professional demand package and presenting it to your insurance company while making sure that you (and the insurance company's adjuster) are in compliance with all policy provisions.
Many times your policy will have exclusions that you may not even know about. Other times there may be coverage you did not know you had. The experts at Reliant can help you through the complicated claim process and help you recover financially from your loss.
Condominium and other Commercial Claims
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Commercial claims are entirely different from residential claims. The insurance policy language is different, the coverages and deductibles are different and many of the terms and conditions are not the same as your standard homeowner policy when you have a commercial claim.
Whether it is your community or your place of business, insurance claims are the last thing you want to think about. |
Fires, floods, hurricanes and other unexpected events happen and can cause large scale damage to your condominium community or place of business. It is recommended that you get the assistance of a licensed insurance professional like the experienced public adjusters you can rely on at Reliant Insurance Adjusters. Commercial claims can include damages to business property, business interruption and loss of inventory. If you are the person responsible for insurance at your business, or in your community, do you feel prepared to respond in the event of a loss?
Property managers can prepare for the worst case insurance claim scenario by contacting Reliant Insurance Adjusters for a free, no obligation, pre-loss consultation. We will review your community insurance policy, examine your risks and make recommendations about community preparedness. We can also conduct a pre-loss inspection of the condominium community you manage which will help your property recover financially in the event of a loss. Call us today to schedule this valuable no obligation meeting.
Flood Claims
Home and business owners must purchase a separate policy for flood. Depending on where your property is located in Florida, you may have to purchase a policy that exclusively covers windstorms, such as hurricanes.
Many people attempt to save money by not purchasing flood insurance because they are not in a "flood zone". This is a mistake. More than 20% of flood claims come from areas outside of high risk flood zones. Do not expose yourself to the financial loss associated with flood damage.
Flood insurance claims are very different than standard homeowner insurance claims starting with the fact that these policies are regulated at Federal level, rather than state. They have very specific time lines that must be adhered to and if you make a mistake by not getting your documents submitted on time, your claim can be denied. We recommend that you purchase flood insurance and seek assistance from your own insurance professional at Reliant Insurance Adjusters if you experience damage due to flood.
Many people attempt to save money by not purchasing flood insurance because they are not in a "flood zone". This is a mistake. More than 20% of flood claims come from areas outside of high risk flood zones. Do not expose yourself to the financial loss associated with flood damage.
Flood insurance claims are very different than standard homeowner insurance claims starting with the fact that these policies are regulated at Federal level, rather than state. They have very specific time lines that must be adhered to and if you make a mistake by not getting your documents submitted on time, your claim can be denied. We recommend that you purchase flood insurance and seek assistance from your own insurance professional at Reliant Insurance Adjusters if you experience damage due to flood.
Water Damage Claims
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Water damage that is covered by your insurance policy can result from multiple sources such as broken plumbing pipes or supply lines, a roof leak, a malfunctioning appliance, your HVAC system (air conditioner) or hot water heater that can cause significant damage to flooring, walls, baseboards, cabinets and more. Read more about common causes of water damage and how Reliant Insurance Adjusters can help you here
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Roof Leak Damage Claims
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It happens when you least expect it. A bad rain storm comes through and you find water leaking into your home causing your drywall, insulation and paint to absorb water and become damaged. Sometimes the damage can be even more extensive when electrical systems behind your walls are exposed to moisture from a roof leak. While your insurance company may not be responsible for paying to repair or replace your roof (every claim is different) they are typically responsible for damages to the interior of your property caused by the roof leak. Don't let an unlicensed individual "handle your claim".
Roofers and Contractors are not insurance professionals and can often complicate and delay your claim resolution due to inexperience. In Florida it is a third degree felony for an unlicensed individual to adjust claims. Contact our licensed and experience claim professionals at Reliant Insurance Adjusters today if your roof is leaking. We will provide a complete, no obligation assessment of your damages. |
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Third Party Claims
Who is liable?
When your damages are caused by another person or entity you may be dealing with a third party claim.
This means that you may have to present a claim against someone else's insurance policy rather than your own.
For example, if you reside in a condominium and the unit above you had a water leak that affected your unit, would that claim go to your insurer or to the insurer of the unit above you? That is not an easy question to answer since the correct response depends on several circumstances. Contact Reliant Insurance Adjusters to discuss your damages and a possible insurance claim today. Learn more here.
We had a roof leak and it caused water damage to the inside of our home. We do not own the roof so who is liable for the damage, our homeowners insurance or the association?
We received a call from a client who was extremely upset that they were denied by their insurance company for interior water damage resulting from a roof leak. They advised that when it first happened, they called the association immediately to fix the roof and asked them to inspect the damage. The association never came to see the damage and told them to call their insurance company and file a claim.
Unfortunately, their particular insurance policy does not cover roof leaks. We reviewed the denial letter and their insurance policy to make sure there was no coverage. We then reviewed the association documents in detail and found that the homeowners are forbidden to access the roof under any circumstances and that the roof is the sole responsibility of the association.
Can you represent us and go after the association for our damages?
Yes. We represent clients all the time with third party liability claims. We reviewed all the documentation, gathered all their incurred invoices, and prepared a detailed submission and letter to the association pointing out all the reasons why they are responsible for the damage to our client’s home. We successfully settled their claim for the damages incurred, plus their rental living expenses, as they were not able to reside in their home during the repairs.
Our neighbor had her roof replaced and the roofer caused damage to our roof. Who is responsible for the damage to our roof?
In this case, the roofer working on the neighbor’s roof and who caused the damage is responsible. Our client notified his neighbor immediately and showed both her and the roofer the damage that was caused to his roof. When our client met a dead end with his association, the neighbor and her roofer, he contacted us for assistance immediately. We promptly notified both the neighbor, her roofer and his liability insurance company via detailed letter, estimate and photos of the damage. Ultimately the liability insurance company for the roofer paid for a replacement of our client’s roof because they agreed with us that their insured (the roofer) was responsible.
Insurance policies and coverage:
We receive calls on regularly from homeowners and business owners that do not know if they are covered for a claim. It is important to understand and know your insurance policy. Contact us today to schedule your Pre-loss Damage Assessment and you will receive a free insurance policy review. Call 561-288-6434 or email us at [email protected] for more information.
When your damages are caused by another person or entity you may be dealing with a third party claim.
This means that you may have to present a claim against someone else's insurance policy rather than your own.
For example, if you reside in a condominium and the unit above you had a water leak that affected your unit, would that claim go to your insurer or to the insurer of the unit above you? That is not an easy question to answer since the correct response depends on several circumstances. Contact Reliant Insurance Adjusters to discuss your damages and a possible insurance claim today. Learn more here.
We had a roof leak and it caused water damage to the inside of our home. We do not own the roof so who is liable for the damage, our homeowners insurance or the association?
We received a call from a client who was extremely upset that they were denied by their insurance company for interior water damage resulting from a roof leak. They advised that when it first happened, they called the association immediately to fix the roof and asked them to inspect the damage. The association never came to see the damage and told them to call their insurance company and file a claim.
Unfortunately, their particular insurance policy does not cover roof leaks. We reviewed the denial letter and their insurance policy to make sure there was no coverage. We then reviewed the association documents in detail and found that the homeowners are forbidden to access the roof under any circumstances and that the roof is the sole responsibility of the association.
Can you represent us and go after the association for our damages?
Yes. We represent clients all the time with third party liability claims. We reviewed all the documentation, gathered all their incurred invoices, and prepared a detailed submission and letter to the association pointing out all the reasons why they are responsible for the damage to our client’s home. We successfully settled their claim for the damages incurred, plus their rental living expenses, as they were not able to reside in their home during the repairs.
Our neighbor had her roof replaced and the roofer caused damage to our roof. Who is responsible for the damage to our roof?
In this case, the roofer working on the neighbor’s roof and who caused the damage is responsible. Our client notified his neighbor immediately and showed both her and the roofer the damage that was caused to his roof. When our client met a dead end with his association, the neighbor and her roofer, he contacted us for assistance immediately. We promptly notified both the neighbor, her roofer and his liability insurance company via detailed letter, estimate and photos of the damage. Ultimately the liability insurance company for the roofer paid for a replacement of our client’s roof because they agreed with us that their insured (the roofer) was responsible.
Insurance policies and coverage:
We receive calls on regularly from homeowners and business owners that do not know if they are covered for a claim. It is important to understand and know your insurance policy. Contact us today to schedule your Pre-loss Damage Assessment and you will receive a free insurance policy review. Call 561-288-6434 or email us at [email protected] for more information.
Mold Claims
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Mold claims are complicated because the cause of the loss must be accurately determined and the mold related damage must be separated from the water damage in your claim presentation. There is a special limit of liability for mold claims. If the claim is not presented properly, you may not receive the payment for damages that you expected.
If you believe you may have mold in your home contact Reliant Insurance Adjusters today so we can help you determine whether or not you have an insurance claim and how much you are owed. |
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Why do I have mold in my home and is it harmful?
Mold is a fungi that grows on certain materials such as drywall, insulation, wood, carpet, clothing, and other items in your home when exposed to moisture or humidity. Some people can experience allergic symptoms or can have sensitivities which can be respiratory in nature when exposed to mold.
The common causes of mold?
Mold spores need a food source to grow like some of the items mentioned above and will grow in dark, warm and wet environments. Water leaks are a main cause of mold growth and the growth can occur within 24-48 hours. There are many causes of mold such as plumbing leaks, air conditioner leaks, appliance leaks, roof leaks, hurricanes, and water from a fire loss that can all cause mold growth.
What do I do if I find mold in my home?
If you suspect mold in your home, you must first determine what caused the mold and eliminate the water source to prevent further growth. Sometimes there may not be visible signs of mold but a mold or mildew like odor is present. In this case, you should have your air conditioning system checked. In South Florida, the humidity levels are high and sometimes your air conditioner will have mold inside the unit due to high moisture levels. You should have your air conditioning system checked and maintained every few months. Once you have located the water source and it has been eliminated, you will need to have an air quality assessment taken in your home to see what type of mold is present.
Is mold covered under my insurance policy?
We get many calls from clients telling us they have mold and they have a mold claim. Technically your claim is not a mold claim. Mold will only be covered if the issue that caused it is covered in your insurance policy. For example, if you are covered for a pipe break and the water from this pipe break causes mold, then your mold coverage applies. Another example is if you have a roof leak that causes mold, and you are not covered for roof leaks in your policy, then there is no mold coverage. Mold in and of itself is not a covered cause of loss.
How much mold coverage should I buy?
Depending on the size of your home would depend on the amount of coverage you should have. There are usually several options for mold coverage offered by your insurance company for example $10,000, $25,000 or $50,000. We typically find that most homeowners do not have enough mold coverage when we review their policies. In general, many people are not fully aware of their insurance coverages and exclusions. Reliant offers a free policy review when you schedule your Pre-Loss Property Assessment inspection. Call today for more information on this valuable service we offer (561) 288-6434.
Can I remove the mold myself?
You should never remove mold on your own as some forms can be very toxic. There are protocols that must be followed to avoid spreading the mold and cross contaminating other unaffected areas. The remediation process requires protective clothing, containment barriers to isolate the contaminated rooms and special equipment required during the mold removal. It is always best to have a professional company who is reputable, licensed and insured do mold remediation in your home.
Mold is a fungi that grows on certain materials such as drywall, insulation, wood, carpet, clothing, and other items in your home when exposed to moisture or humidity. Some people can experience allergic symptoms or can have sensitivities which can be respiratory in nature when exposed to mold.
The common causes of mold?
Mold spores need a food source to grow like some of the items mentioned above and will grow in dark, warm and wet environments. Water leaks are a main cause of mold growth and the growth can occur within 24-48 hours. There are many causes of mold such as plumbing leaks, air conditioner leaks, appliance leaks, roof leaks, hurricanes, and water from a fire loss that can all cause mold growth.
What do I do if I find mold in my home?
If you suspect mold in your home, you must first determine what caused the mold and eliminate the water source to prevent further growth. Sometimes there may not be visible signs of mold but a mold or mildew like odor is present. In this case, you should have your air conditioning system checked. In South Florida, the humidity levels are high and sometimes your air conditioner will have mold inside the unit due to high moisture levels. You should have your air conditioning system checked and maintained every few months. Once you have located the water source and it has been eliminated, you will need to have an air quality assessment taken in your home to see what type of mold is present.
Is mold covered under my insurance policy?
We get many calls from clients telling us they have mold and they have a mold claim. Technically your claim is not a mold claim. Mold will only be covered if the issue that caused it is covered in your insurance policy. For example, if you are covered for a pipe break and the water from this pipe break causes mold, then your mold coverage applies. Another example is if you have a roof leak that causes mold, and you are not covered for roof leaks in your policy, then there is no mold coverage. Mold in and of itself is not a covered cause of loss.
How much mold coverage should I buy?
Depending on the size of your home would depend on the amount of coverage you should have. There are usually several options for mold coverage offered by your insurance company for example $10,000, $25,000 or $50,000. We typically find that most homeowners do not have enough mold coverage when we review their policies. In general, many people are not fully aware of their insurance coverages and exclusions. Reliant offers a free policy review when you schedule your Pre-Loss Property Assessment inspection. Call today for more information on this valuable service we offer (561) 288-6434.
Can I remove the mold myself?
You should never remove mold on your own as some forms can be very toxic. There are protocols that must be followed to avoid spreading the mold and cross contaminating other unaffected areas. The remediation process requires protective clothing, containment barriers to isolate the contaminated rooms and special equipment required during the mold removal. It is always best to have a professional company who is reputable, licensed and insured do mold remediation in your home.
Fire Damage Claims
House fires cause some of the most terrifying damages that a policyholder can face. In some cases the resulting damage from fire, smoke and water to your property can be extraordinary. It can be difficult for a policyholder to concentrate on all of the terms and conditions of their insurance policy and ensure they are properly compensated for the entirety of their loss. This is why having your own insurance professional handle the claim adjustment is so important.
Fire damages that do not completely destroy a home create special insurance claim issues. These may include hidden damages, inadequate cleaning or repairs, and matching or line of sight issues. Some of the most common reasons fire claims are denied can be:
Fire damages that do not completely destroy a home create special insurance claim issues. These may include hidden damages, inadequate cleaning or repairs, and matching or line of sight issues. Some of the most common reasons fire claims are denied can be:
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If you or someone you know has the misfortune of being the victim of a house or business fire, contact your claims experts at Reliant Insurance Adjusters for a free consultation. You can rely on Reliant to help you.
Learn more about what you need to know about fire claims (link to Karen's article)
Fire, smoke and water.
Our client had a fire that caused damage to their kitchen cabinets, walls and ceiling. The fire department used a lot of water to extinguish the fire and when they left and cleared the house, there was water and soot everywhere. The electrical panel was also affected and there was no power to the home for over a week. Although the fire damage itself may have been isolated to one room, other areas of the home were affected by both water and soot. Because there was no power for over a week, there was a concern that mold would begin to grow and it did.
Does my insurance policy cover all the damage or is the fire department responsible?
The fire department is there to assist you and put out the fire as quickly as possible to avoid as much damage as possible. They are required to take all measures to do this and are not responsible for any damage to your home. Your insurance policy is always supposed to cover damages that are covered in your policy such as a fire loss. When there are additional damages that are a result of the actual cause of the damage, your insurance policy is supposed to cover this as well. We make sure that all the damage is documented and presented to the insurance company to ensure that you are properly covered for your claim. We are present at all inspections to make sure that the adjuster for the insurance company does not miss any damage.
We cannot live in our home. What do we do?
Our clients were displaced from their home and needed to find a place to live immediately. Their pets were being boarded which was another costly expense. With nowhere to turn, we alleviated their stress and assisted them by contacting a housing company that worked immediately to find them a place to live that would accommodate their needs.
We love to use our BBQ. Is it safe to grill outdoors?
It is usually safe to grill outdoors, but you should always take precautions to make sure your grill is not to close to your home and should not be directly under the eve of your roof. This will avoid a fire that can quickly spread to the inside of your home and cause major damage. “A fire can spread very fast and double its size every 60 seconds and homeowners are encouraged to have an escape plan in the event of a fire or other emergency.”
Please read how to keep safe during a fire:
1. React as soon as you hear your smoke alarm go off
2. Safely exit through doors
3. Protect yourself from smoke inhalation
4. Stop, drop and roll if your clothes catch fire
5. Ward off the smoke if you can’t get out
6. Call for help from a second story window
7. Escape from a second story window if you can
8. Get away from the structure
9. Once you escape, do a head count
10. Call 911
11. Do an injury assessment
Learn more about what you need to know about fire claims (link to Karen's article)
Fire, smoke and water.
Our client had a fire that caused damage to their kitchen cabinets, walls and ceiling. The fire department used a lot of water to extinguish the fire and when they left and cleared the house, there was water and soot everywhere. The electrical panel was also affected and there was no power to the home for over a week. Although the fire damage itself may have been isolated to one room, other areas of the home were affected by both water and soot. Because there was no power for over a week, there was a concern that mold would begin to grow and it did.
Does my insurance policy cover all the damage or is the fire department responsible?
The fire department is there to assist you and put out the fire as quickly as possible to avoid as much damage as possible. They are required to take all measures to do this and are not responsible for any damage to your home. Your insurance policy is always supposed to cover damages that are covered in your policy such as a fire loss. When there are additional damages that are a result of the actual cause of the damage, your insurance policy is supposed to cover this as well. We make sure that all the damage is documented and presented to the insurance company to ensure that you are properly covered for your claim. We are present at all inspections to make sure that the adjuster for the insurance company does not miss any damage.
We cannot live in our home. What do we do?
Our clients were displaced from their home and needed to find a place to live immediately. Their pets were being boarded which was another costly expense. With nowhere to turn, we alleviated their stress and assisted them by contacting a housing company that worked immediately to find them a place to live that would accommodate their needs.
We love to use our BBQ. Is it safe to grill outdoors?
It is usually safe to grill outdoors, but you should always take precautions to make sure your grill is not to close to your home and should not be directly under the eve of your roof. This will avoid a fire that can quickly spread to the inside of your home and cause major damage. “A fire can spread very fast and double its size every 60 seconds and homeowners are encouraged to have an escape plan in the event of a fire or other emergency.”
Please read how to keep safe during a fire:
1. React as soon as you hear your smoke alarm go off
2. Safely exit through doors
3. Protect yourself from smoke inhalation
4. Stop, drop and roll if your clothes catch fire
5. Ward off the smoke if you can’t get out
6. Call for help from a second story window
7. Escape from a second story window if you can
8. Get away from the structure
9. Once you escape, do a head count
10. Call 911
11. Do an injury assessment
Hurricanes and other windstorm claims
Floridians are no strangers to hurricanes. Whether you were in South Florida for Hurricane Andrew in 1992 or for the destructive 2004/2005 Hurricane Season that blew through our state, the power of wind to destroy property is remarkable. Hurricanes and other windstorms can cause catastrophic damages that are immediately seen and many damages that are not immediately noticeable. This can be very important because there are time deadlines within which you can present a hurricane claim.
More recently Hurricane Irma and Hurricane Michael caused catastrophic damage to Floridians all over our great state. Reliant Insurance Adjusters helped so many Floridians present their claims properly and receive the money they needed to recover financially after these devastating storms.
Contact an expert from Reliant Insurance Adjusters to conduct an inspection of your home before and after a hurricane. You can rely on our insurance professionals to treat you with respect and make sure your claim is professionally adjusted so you can begin to rebuild.
How long do I have to file a hurricane insurance claim?
When a hurricane makes landfall in the State of Florida, you have two years from that the date of loss to file your insurance claim or reopen your insurance claim. So many homes and businesses sustain damage after hurricane and are displaced from their homes and cannot reopen their businesses. Some are not unable to get back to their property to even assess their damages. Although claims are timely reported to insurance companies, often times the full extent of the damage is really unknown.
Can I do repairs before the insurance company inspects my property?
It is always best to report your claim timely to allow the insurance company to inspect the damage before you do any repairs. There are times when you have to complete some mitigation or take steps to do temporary repairs to protect your property from further damage. If this is the case, you must photograph and document the removal of the damaged property to show the proof to your insurance company.
Why Is My Insurance Claim being delayed?
After Hurricanes, many residents and business owner become frustrated with the process involved with handling their own insurance claims. A large amount of the field adjusters are deployed from other states and do not work directly for the insurance company. Not only can there be a shortage of adjusters, but there are damages that can be be missed which results in claim delays. While there were many Hurricane claims that remain unresolved from Irma in 2017, Hurricane Michael hit a year later and the damages also caused extensive delays by insurance companies.
Some insurance companies attempt to blame delays on attorneys, public adjusters and contractors. We make it our priority to always avoid any delays by promptly complying with document requests from the insurance company, complying with inspections and adhere to your post loss duties of your insurance policy. If you are not complying with requests, this can also lead to delays with your insurance claim.
I did not receive enough money for my repairs. Can I reopen my insurance claim?
The adjusters that work for an insurance company have a tremendous workload and are faced with time constraints to submit their reports. This can lead to underpaid claims because damages can be missed. Additionally, when the adjuster first visits the property the full extent of the damage may not be fully known and you may miss showing all the damages. This will also cause property owners to reopen an insurance claim. As long as you do not sign any documentation with your insurance company finalizing your claim, you will be able to reopen claim.
Floridians are no strangers to hurricanes. Whether you were in South Florida for Hurricane Andrew in 1992 or for the destructive 2004/2005 Hurricane Season that blew through our state, the power of wind to destroy property is remarkable. Hurricanes and other windstorms can cause catastrophic damages that are immediately seen and many damages that are not immediately noticeable. This can be very important because there are time deadlines within which you can present a hurricane claim.
More recently Hurricane Irma and Hurricane Michael caused catastrophic damage to Floridians all over our great state. Reliant Insurance Adjusters helped so many Floridians present their claims properly and receive the money they needed to recover financially after these devastating storms.
Contact an expert from Reliant Insurance Adjusters to conduct an inspection of your home before and after a hurricane. You can rely on our insurance professionals to treat you with respect and make sure your claim is professionally adjusted so you can begin to rebuild.
How long do I have to file a hurricane insurance claim?
When a hurricane makes landfall in the State of Florida, you have two years from that the date of loss to file your insurance claim or reopen your insurance claim. So many homes and businesses sustain damage after hurricane and are displaced from their homes and cannot reopen their businesses. Some are not unable to get back to their property to even assess their damages. Although claims are timely reported to insurance companies, often times the full extent of the damage is really unknown.
Can I do repairs before the insurance company inspects my property?
It is always best to report your claim timely to allow the insurance company to inspect the damage before you do any repairs. There are times when you have to complete some mitigation or take steps to do temporary repairs to protect your property from further damage. If this is the case, you must photograph and document the removal of the damaged property to show the proof to your insurance company.
Why Is My Insurance Claim being delayed?
After Hurricanes, many residents and business owner become frustrated with the process involved with handling their own insurance claims. A large amount of the field adjusters are deployed from other states and do not work directly for the insurance company. Not only can there be a shortage of adjusters, but there are damages that can be be missed which results in claim delays. While there were many Hurricane claims that remain unresolved from Irma in 2017, Hurricane Michael hit a year later and the damages also caused extensive delays by insurance companies.
Some insurance companies attempt to blame delays on attorneys, public adjusters and contractors. We make it our priority to always avoid any delays by promptly complying with document requests from the insurance company, complying with inspections and adhere to your post loss duties of your insurance policy. If you are not complying with requests, this can also lead to delays with your insurance claim.
I did not receive enough money for my repairs. Can I reopen my insurance claim?
The adjusters that work for an insurance company have a tremendous workload and are faced with time constraints to submit their reports. This can lead to underpaid claims because damages can be missed. Additionally, when the adjuster first visits the property the full extent of the damage may not be fully known and you may miss showing all the damages. This will also cause property owners to reopen an insurance claim. As long as you do not sign any documentation with your insurance company finalizing your claim, you will be able to reopen claim.
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Do I need a public insurance adjuster? We get many calls from home and business owners asking for our help and have no idea as to the full extent of their damages. They cannot access their roof to see how much damage there is and often realize that documenting their insurance claim is more than they can handle. At Reliant, we take the stress out of handling your insurance claim. We prepare extensive damage reports with photos, take moisture readings and infrared photos when needed and we will inspect your roof. We also use drone technology to assist us with roof inspections. Whether we are involved at the onset of your claim, or we reopen your claim, we are present for every inspection with the insurance company and will obtain the maximum results for you. More importantly, we represent you, not the insurance company. Insurance companies have adjusters to represent their interests and you should have a public adjuster to represent your interests. Call Reliant today for more information or to schedule your free claim assessment 561-288-6434. |
Drone Services
Reliant Insurance Adjusters co-founder, Scott Scovin, is a certified Commercial Drone Operator providing custom aerial photo and video services for our clients.
Drones are an important tool in the insurance claim toolbox and can provide incredible footage and capture the best documentation of both residential and commercial claims in Florida. Whether you require aerial roof inspections in Florida or you need to document a debris field to overcome the all too common wind vs. wind driven rain insurance company claim denial, Reliant Insurance Adjusters has the tools and state of the art technology you need to make your case.
Drones are an important tool in the insurance claim toolbox and can provide incredible footage and capture the best documentation of both residential and commercial claims in Florida. Whether you require aerial roof inspections in Florida or you need to document a debris field to overcome the all too common wind vs. wind driven rain insurance company claim denial, Reliant Insurance Adjusters has the tools and state of the art technology you need to make your case.
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Karen Schiffmiller, CPIAU
Reliant Insurance Adjusters LLC 7777 Glades Road, Suite 100 Boca Raton, FL 33434 (561) 288-6434 Ext. 2 |
Scott Scovin
Reliant Insurance Adjusters LLC 7777 Glades Road, Suite 100 Boca Raton, FL 33434 (561) 288-6434 Ext. 1 |
