With hurricane season quickly approaching, the best way to prepare for a hurricane is to plan ahead so that you are ready when the storm is coming. Property owners all too often find themselves unprepared and anxious when these devastating storms are heading their way. Fortunately, there are some precautionary measures you can take in advance to better protect your property and financial well-being.
With a little preparation, you will be in a better position to navigate the unpredictable 2022 hurricane season. Here are 6 steps you can take ensure that you are hurricane ready and make sure you do not miss our free hurricane checklist below.
#1 Verify Your Insurance Coverage
Take the time to review your property’s insurance policy to verify that you are fully covered for any damage. Property insurance typically covers temporary repairs after a hurricane, in addition to extra living expenses that may be required as a result of relocating to a temporary dwelling.
It is important to note that property insurance does not cover flood-related damage and you should have a separate flood policy. Additionally, make sure your insurance policy covers damage caused by hurricane and wind.
#2 Have a Pre-Loss Property Inspection
You should get a pre-loss property inspection before a storm in the event you need to file an insurance claim. By doing so, you are equipping yourself with sufficient evidence to prove the new damage is not pre-existing damage. This can certainly help increase your chances of receiving full coverage for your damages.
Before a storm, not everyone has the time, resources, or equipment to comprehensively document the interior and exterior of their home and/or commercial property.
Reliant Insurance Adjusters has a Pre-Loss Inspection Program for both residential and commercial properties in Broward and Palm Beach County and includes a complete and thorough inspection of the interior and exterior of your property. This documents the condition of your property before you have an insurance claim. Our inspections include photos and/or video report of the exterior and interior of your property together with aerial images and video footage of your roof with our state-of-the art drone equipment.
It can often be difficult, if not impossible, to prove to an insurance company the full extent of your damages once disaster strikes. This is an extremely important and useful report to have prior to hurricane season.
#3 Take an inventory of your property
It may seem like an unnecessary step but compiling a list of all your belongings within your home or business will help show the condition of your property before they are damaged. Keep the inventory with your important documents. In the event you need to evacuate, be sure to take it with you. It is also wise to keep an electronic copy saved where you can access it anytime via your phone, tablet, or computer.
#4 Prepare and Protect Your Property
Prepare and protect your residential and/or commercial properties in preparation for hurricane season. Since you don’t know when or if a hurricane will impact your property, it is recommended that you prepare as if it will happen. Here are a few suggested steps you can take:
#5 Have an Emergency Stock of Necessary Supplies
Having an emergency stock of supplies ready to go well in advance of a hurricane is essential. During a storm, stores and suppliers tend to run out of bottled water, medical kits, and other essential goods rather quickly. To provide for your family, it is a good idea to have these items already on hand and stored in plastic bins. Keep at least a seven-day supply.
We created our own Hurricane Supply Checklist that will help you with everything you will need in case of an emergency. Click below to download your free copy.
#6 Plan Your Evacuation Ahead of Time
One of the most important elements of hurricane preparation is planning your evacuation process. If you think evacuations are only for those who live on or near the coast, keep in mind that hurricane storm surges can often push water tens of miles inland. If you do have to evacuate, it is important to unplug all electronics and appliances.
Helpful information for planning your evacuation route can be found on your local county or city website. You will undoubtedly get instructions from local news reports as well as social media. However, it is still important to create your evacuation plan and familiarize yourself with nearby shelters and boarding options for your pets well before a storm. Review your plans with everyone in your home and make sure each person knows what to do in case of this type of emergency.
In the event of a hurricane, Reliant Insurance Adjusters is here for you. Our team is experienced with handling all types of insurance claims, interpreting insurance policies, and protecting our clients’ interests throughout the entire claims process.
We also have the resources to conduct pre-loss inspections which can help you with any insurance claim. Contact us today for your Pre-Loss Inspection or for more information on how we can help you.
If you need a public adjuster in Boca Raton, you have come to the right place. At Reliant Insurance Adjusters, we offer a variety of services designed to help you should you have an insurance claim. One of these is roof inspections recorded with a drone.
Learn why drone videos are valuable, what you should look for when hiring a drone pilot, and the situations where we may recommend a different kind of inspection.
Why Are Drone Videos Valuable?
You want to have as much information as possible when filing your claim. The more ambiguity, the easier it is for an insurance company to potentially deny a claim. Drone videos can provide essential information in support of your claim.
A pre-loss property inspection can also help narrow down when the damage occurred. It also provides clear evidence of your property prior to a loss.
This is important because insurance policies are not typically designed to cover maintenance related issues or long-term damage. Interior property inspections and drone footage can help you show the condition of your roof and the exterior and interior of your property before it is damaged. This type of report will assist in getting coverage for your claim.
What Should You Look for When Hiring a Drone Video Roof Inspection Expert?
The next step is to find someone to assist you and two qualities you should look for:
Are There Any Situations Where We Cannot Use Drones?
Yes, there are certain situations where we cannot use drones. Airports and military bases have restrictions against civilian drones. If you own property close to either, call us and we will help you determine whether drones can be flown over your property.
If there is any reason why we may not be able to use a drone, we will discuss your best options for getting your property inspected. Our goal is to make sure you have all the documentation you need for your insurance claim.
Looking for a Public Adjuster in Boca Raton?
You have come to the right place. At Reliant Insurance Adjusters, we are committed to helping property owners receive the compensation they need in the aftermath of an unexpected event. We have been interpreting policies and handling insurance claims for years, which means you can rest easy knowing we are on your side.
Do you have any questions about what we can do for you? Would you like to speak with an expert who can help you file your insurance claim? Please do not hesitate to contact us.
Hurricane season begins June 1, which means it is time for homeowners to start preparing. As the best public adjusters in the 33434 zip code, we want to make sure you have the knowledge you need.
Today, we will discuss what you should know as a Florida homeowner during hurricane season. This includes both how to prepare before the hurricane comes, as well as how to get compensation after the storm.
Preparing for a Hurricane
One of the best ways to protect your home is by preparing it for hurricane season. This can help reduce the need to file an insurance claim.
We have spoken before about the three hurricane checklists you want to be aware of:
With regards to property damage, the Red Cross recommends that any loose objects like plants, lawn chairs, grills, are either brought inside or anchored. You also want to make sure that when planting trees, they are far enough away from your home to ensure that if they do fall over, they will not cause damage.
Along with doing your best to prevent property damage, you also need to prepare for your own safety. This means determining whether you need to evacuate or shelter in place, as well as making sure you have food, water and medicine.
Pre-Loss Property Inspections
It is important to document the condition of your property before you have a loss. A pre-loss property inspection does just that. So, if you sustain damage to your property and you need to file an insurance claim, a report like this is the best way to prove new damage.
Am I Covered for Hurricane Damage?
Insurance policies vary and coverage changes from year to year so you want to make sure you understand what is covered and excluded in your policy prior to the need to file an insurance claim. Most homeowner’s insurance policies offer Hurricane and Wind coverage with a 2% deductible. The deductible is based upon a percentage of your Dwelling or Building policy limit.
How Long Do I Have to File an Insurance Claim?
In the state of Florida, you need to file an insurance claim for damage within two years after the date of loss. That said, it is best to file your claim as soon as possible. Along with ensuring that you receive coverage and payment for your claim in the timeliest manner possible, this also minimizes any uncertainty that could arise regarding your claim.
If a long period of time lapses between when you sustain property damage and when you file a claim, you must still protect your property from further damage. If you do not, some of the damage may be attributed to events not covered by your insurance policy.
This is also one of the reasons why a Pre-loss Property Inspection is so helpful as it narrows the timeframe during which the damage could have been caused, lending further proof to the fact that the damage was caused during the hurricane.
Making repairs to your property, unless taking emergency measures to protect your property from further damage, is not recommended. The burden of proof is on you to show and prove damage to the carrier. Filing an insurance claim after you have repaired your property will not help your hurricane claim.
Looking for the Best Public Adjusters in 33434?
At Reliant Insurance Adjusters, we have the knowledge, understanding and experience necessary to obtain the highest claim settlement. We are well respected in the industry and are prepared to handle any residential and commercial claim.
Whether you have questions about a claim, or you have been denied or underpaid on your claim, please do not hesitate to contact us. Settling claims today is complicated and we are ready to assist and guide through the process.
You likely chose to live in a condominium to make life a little simpler and to free yourself from the headaches or maintenance that comes with owning a home.
However, much like homeowner’s insurance is a critical element of owning a home, having the proper condo unit owner’s insurance is also important. Although your condominium association carries insurance, that is not necessarily going to provide coverage for your portion of the unit, your personal belongings, liability, or your loss of use.
If you are currently in the market for the perfect condo for you and your family, keep in mind that you will need to invest in insurance, not only because it is required by mortgage lenders, but also because it will give you peace of mind.
What does your Condominium Association Insurance Policy provide?
The simple answer is that it typically covers everything from your drywall outward of your individual unit. Your condo association has what is called a Condo Master Policy. This policy covers the building itself, and that usually includes the common areas, offices or staffing spaces, and the building structure itself. If someone is injured on the property, in certain common areas, or if something goes wrong with the shared amenities and equipment such as elevators and other building systems, this policy covers those circumstances. However, it does not cover your own personal property nor the portion of your unit you own and are responsible to replace in the event of damage.
Condo owners in Florida used to be required to purchase condo insurance by state law, but this is no longer the case. That being said, you should consider your risks and be aware that your mortgage lender will require it, and your condo association may also require it.
What does your Condo Insurance Policy Typically Cover?
Condo insurance policies (also known as an HO-6 policy) can be customized to fit your needs. In basic terms, condominium insurance provides coverage for your unit where condominium association insurance does not.
A typical condo insurance policy covers your personal belongings and pays out if someone is injured inside your condo. You are responsible for the interior of your unit, so think “wall covering-in” to help define It. For example, wall texture, paint or wallpaper, kitchen, bathrooms, cabinetry, flooring etc.
Much like renter’s insurance, condo insurance covers the interior of the unit. However, renter’s insurance only insures your personal belongings. Typically, for a condo owners insurance policy, you would need personal property and liability coverage in addition to coverage for your floors, wall coverings, cabinets, and fixtures that your association’s insurance does not cover.
If your appliances, like your stove or washing machine, were already in your condo when you purchased it, be aware that you are liable for them. That is because “walls-in” coverage refers to anything within your unit. Your condo association’s insurance doesn’t cover them. This is true even if you didn’t bring the appliances into the condo yourself.
Anything inside the walls of the unit, including any items of personal property, are your responsibility. What is personal property? I like to think of it this way - If you turn your property unit upside down, everything that would fall out is your personal property. And just like with appliances, condo association master policies do not cover unit owner’s personal property.
What happens if someone gets hurt in your condo and they file a lawsuit? This is just another reason to get your condo owner’s insurance policy in place. That circumstance would be covered by your personal condo insurance, and not the condo association’s insurance.
Every association’s insurance policy is different regarding what each unit owner is responsible for, so it is important to review your association’s policy and condominium by-laws carefully. There are circumstances when the association documents state that you are responsible for the walls and what is inside of the walls, including windows and doors. In cases such as this, you must make sure your unit owner’s insurance policy covers these items.
Loss of Use
If your condo unit becomes damaged and you are unable to reside in your condo, loss of use coverage will help pay for temporary housing, including any increased cost of food and other extra expenses you incur while completing repairs. Of course, the damage must be caused by a covered loss in the policy. However, the Loss of Use limit may be calculated on a percentage of your personal property limit, so be certain to confirm this detail when purchasing a policy.
Investing in the Right Condo Unit Insurance
As you can see, if you do not purchase insurance coverage for your unit, none of your personal belongings will be protected, and this puts you at risk. You must always remember that a catastrophe such as a fire or hurricane can happen at any time. Life is unpredictable and it’s important to make sure you are covered if disaster strikes.
Whether you are purchasing a new condo or you have an existing condo owner’s insurance policy, we are here to help. We are happy to offer free policy reviews to help you ensure you have the right policy for your needs. Give us a call today at (561) 288-6434 or contact us here.
Pre-loss property inspections are important when dealing with property damage insurance claims. They allow you to prove the condition of your property was in prior to the damage occurring.
As a Boca Raton public adjuster, Reliant Insurance Adjusters offers pre-loss property inspections. The following explains two situations where these inspections are advisable and help avoid claim denials in the future.
Before a Natural Disaster
In the wake of a natural disaster, it is not always easy to determine the source of any damage that was done to your property. For instance, is there a leak in your roof because of a hurricane, or is it the result of improper maintenance?
These questions can be difficult to answer after the fact, which is why pre-loss inspections are so important. They allow us to ensure we are equipped with all the knowledge needed during the claims process, helps narrow down the timeframe during which any damage has occurred and most importantly, allows us to prove the damage is not pre-existing.
These inspections can be done before hurricanes, fires, floods, or any other event that might be covered by your insurance policy. In the event of a fire, this type of inspection report will also help show proof of the contents inside the property.
What Needs to Be Inspected Before a Natural Disaster?
We offer different pre-loss inspection packages. For instance, when performing inspections for residential property owners, it would be important to inspect the roof as well as interior of the property.
However, an inspection for a condominium unit owner, we only inspect the interior of the unit. If performed for the condominium association, the inspection would cover the building exterior and common interior areas.
For commercial buildings, we personalize those inspections on a case-by-case basis, as this allows us to factor in the unique needs of your building.
Being a public adjuster provides the knowledge and understanding of what is needed. Contact us if you are unsure what kind of pre-loss inspection you need. We can also review your insurance policy and advise if you have enough coverage for your property and what the policy covers and excludes.
Looking for a Public Adjuster in Boca Raton?
Reliant Insurance Adjusters is here for you. Our team is very experienced with handling all types of insurance claims, interpreting insurance policies, and resolving underpaid or denied insurance claims. We represent you, not the insurance company and protect and represent your interests throughout the claim process.
If you are interested in our pre-loss inspection service, please do not hesitate to contact us. We are happy to answer any questions you have and provide any information you need.
Buying a home is an exciting time. It also happens to be one of the largest investments an individual will make in their lifetime.
While you can easily get caught up in the moment and the excitement, there are a few things you should consider to best maintain your new investment and keep everything running in tip-top shape.
3 Tips for New Homeowners
If you have found the perfect home that meets your lifestyle and budget needs, you may want to consider the following essential tips for new homeowners.
#1: Safely store your warranties and manuals
As you begin purchasing new appliances, you will want to save their manuals and warranties. Storing them in an organized folder or binder, perhaps in page protectors with tabs, can help make them easy to find whenever you may need them.
#2: Thoroughly vet any contractors you want to hire
Not everything may be suitable for a DIY project. As tempting as it may be to save a buck or two by repairing or renovating items on your own, sometimes you will have to hire a contractor. When you do, be sure to thoroughly vet them before hiring them.
Make sure you check that they are licensed and insured. Check their referrals and reviews and also be sure that you have checked with your local building authority to ensure that you can get any permits needed to complete the work.
#3: Don’t neglect routine maintenance
There are many factors that go into keeping a home running in tip-top shape. This often requires some routine maintenance. Change your air conditioning filters on a monthly basis and have the system checked for blockages and leaks. Make sure your windows and doors are sealed and that you do not have any leaks under your sinks.
One of the best ways you can start your journey of homeownership is by having a professional conduct a thorough inspection of your home and tell you what needs to be updated now and what can be done at a later date.
Get Started on the Right Foot
Homeownership is an exciting time and a remarkable achievement. It can be easy to get swept up in choosing the right furnishings and color palettes for your new home, but there are a few things that should be on your priority list.
At Reliant Insurance Adjusters, we provide several services including an independent Pre-Loss Property Inspection as well as detailed estimating services. Contact us today to learn how we can help you.
When discussing a property insurance policy, it is always important to outline that different policies have different terms. This is why we take our duties as a public adjuster in Broward County so seriously: we want to make sure we understand exactly what your policy covers.
Generalities are useful for helping you understand the likelihood that your policy covers a specific form of compensation when you have a covered loss for damage to your property. In this instance, it is safe to say that property insurance policies do not cover the cost of property maintenance.
To explain why, we should discuss what these types of policies are designed to cover, as well as what to look for if you want home maintenance costs included.
What Do Homeowners Insurance Policies Typically Cover?
Most insurance policies are designed to cover unforeseen incidents also known as sudden and accidental damage. The exact nature of your policy may vary, but insurance companies often offer plans that include:
Therefore, it is important to understand your options carefully when purchasing an insurance policy. While it is tempting to choose the cheaper coverage available, this may not give you adequate protection for your property. I always say shop coverage not price!
What If Your Insurance Company Believes Damage to Your Home Was Caused Due to Lack of Maintenance?
It is important to note, that although your policy only covers damage from sudden and accidental loss, it is still important to maintain your property with the proper upkeep. This will certainly avoid any issues with your insurance company should you have to file a claim.
For instance, if a minor leak goes undetected and continues over a period of time, this will result in more extensive damage than if it was stopped immediately. Because the damage to your property would then be long term, your insurance company may deny coverage and claim that the water damage is not the result of a sudden and accidental loss.
This situation can get especially complicated if it is ambiguous whether the damage was caused by an unforeseen event or a lack of maintenance (e.g. Did your property experience water damage due to a hurricane or because of an unrelated leak that was not fixed?
This is one of the reasons why it is useful to speak with a public insurance adjuster. They can review your policy and help you determine if your damage is covered in your policy and exactly what your insurance company should provide with coverage.
It is important to have a pre-loss inspection, which allows you to document the condition of your property before you have a loss. Sometimes, insurance companies mislabel damage as either pre-existing or long term damage. With a detailed pre-loss inspection report, we document your property from the exterior to the interior so this will not happen to you.
What If You Want a Policy That Covers Maintenance?
Insurance policies are designed to help you in the event of a covered loss/damage to your property. They are not designed to maintain the property, therefore, if you are a homeowner, you may wish to purchase a home maintenance/warranty contract which usually covers maintenance of the air conditioning, appliances and plumbing.
You should always have your roof and windows checked on an annual basis to make sure there are no active leaks and the caulking around your windows and doors are sealed properly. Additionally, it is important to make sure that sprinkler heads are faced away from the building to ensure that no water seeps into the property.
It is important to make sure you understand what your warranty covers. While some companies just offer coverage to repair these items, others will cover replacement.
If you choose to go this route, it is important to determine whether the cost of the warranty is worth the repairs you think you will need.
Looking for a Public Adjuster in Broward County?
You have come to the right place. At Reliant Insurance Adjusters, our goal is to help you better understand the coverage that your insurance policy provides.
Whether you want us to help you with an insurance claim, a pre-loss inspection, or you just have questions you would like to ask first, please do not hesitate to contact us today. It is our primary goal that our clients’ needs come first.
While it is not required, flood insurance can be highly beneficial even for properties that are not located in a flood zone. Many property owners tend to assume that their property insurance provides adequate coverage in the event of a flood. However, flood damage is often a dicey subject when it comes to your insurance policy.
Flood insurance requirements are based on FEMA (Federal Emergency Management Agency) maps that are often outdated or don’t include all the types of flooding a property can encounter. Whether a property is in a flood zone or not, it can still be at a risk of flooding and the associated damages.
3 Reasons You Should Get Flood Insurance
Even if your property doesn’t sit inside a flood zone, you may still want to have flood insurance. You may not have considered this, but floods, including flash floods, are the number one natural hazard across the nation.
The following are three reasons you should get flood insurance, even if your property is not in a flood zone.
#1: A small amount of water can create extensive damage
Whether it is a slow leak overtime, a hemorrhaging pipe, or a flood, water exposure inside your property can lead to extensive damage. Having a separate flood insurance policy can often help mitigate the financial loss of moisture/mold remediation and repairs that may need to be done.
#2: Hurricanes are not the only cause of flooding
Many individuals may assume that flood insurance is only for those in flood zones or for properties that are at risk of flooding from hurricanes or heavy rainstorms. But flooding can result from a variety of scenarios, such as inadequate drainage systems, a burst fire hydrant, or an overflow of an underground plumbing system.
#3: Insurance claims for flood damage happen in low-risk flood areas
While flooding may be less likely to occur outside of a flood zone, floods still happen in moderate or low-risk flood areas, too. In fact, according to FEMA, over 20% of NFIP (National Flood Insurance Program) flood insurance claims come from outside the limits of high-risk food areas.
Be Prepared with Flood InsuranceIf you are not in a flood zone, having flood insurance may not seem that important, but having it can be highly beneficial and save you a few headaches and a financial loss.
If you still aren’t sure if you should consider getting flood insurance, or if your property has flood damage and you need to file an insurance claim, we can help. At Reliant Insurance Adjusters, we specialize in both commercial and residential insurance claims that include water and mold damage, fire and smoke damage, hurricane and wind damage, and more.
In addition, we are Certified Property Insurance Appraisers & Umpires (CPAU) with the Insurance Appraisal & Umpire Association and the Windstorm Insurance Network. We also provide independent Pre-Loss Property Inspections and detailed estimating services. Contact us to learn more about how we can help you.
Dealing with a public insurance adjuster is different than dealing with an independent adjuster in South Florida. An independent adjuster, is a third party who works for the insurance company. A public adjuster will make sure to review your insurance coverage and assist you with reporting your claim properly. Oftentimes, we receive calls about property damage and the property owner uses the wrong terminology while explaining their damage. This can be detrimental to your claim if you do not report your loss or explain the damage correctly, and your claim could be denied.
The same cannot be said with an independent adjuster. The difference is that an independent adjuster works for and represents the insurance company, not you. We are sometimes referred to as independent adjusters, however our true title is public insurance adjuster.
Therefore, if you have any issues with property damage and mold, you should seek help and assistance from an independent public adjuster to handle your claim. If your claim gets denied, you could be throwing thousands of dollars out the window. What do you need to know about mold claims, and why do some claims get denied?
Why Was Your Mold Claim Denied?
When Does an Insurance Company Cover Mold Damage?
Mold remediation is covered if it results from a covered peril in your insurance policy. For example, if your pipe breaks and causes water damage to your property that results in the presence of mold growth, then yes, you can file an insurance claim. Additionally, your insurance policy should also cover the ensuing damage and repairs to your property, as long as it is not excluded in the policy.
If your insurance policy includes accidental water damage, it should also cover mold damage providing it is not excluded in your policy. As long as you can prove that the mold growth was a result of the water damage, you will avoid getting a claim denial.
Some examples of covered perils are a leaking hot water heater that resulted in mold growth in your walls and a malfunctioning washing machine that caused moisture to penetrate your floors and possibly produce mold.
However, it is essential to mention that not all policies are the same. So, before you invest your time and effort filing an insurance claim, make sure you have thoroughly read and understand your policy. Insurance policies are confusing at best because they provide coverage, then remove or exclude the coverage in a different portion of the policy, then can replace the coverage with different language and coverage. An independent adjuster will review your policy and explain the coverage so you should get help to make sure you are covered for your loss.
What Are the Reasons Why Insurance Claims Get Denied?
Not all insurance policies include mold coverage. So, the first thing you should do is review your policy and see if it is included. Then, you should seek assistance and guidance from an independent adjuster.
Usually, insurance companies deny claims if there is sufficient evidence proving that the mold infestation resulted from poor maintenance, long term damage or neglect. An example is if you have a plumbing problem and you wait too long to get it fixed and the leak continues for a period of time.
Do You Need to Talk to an Expert Independent Adjuster in South Florida?
Dealing with water and mold damage is stressful, but what is more stressful is receiving a claim denial. Hiring an independent adjuster will relieve you of much stress and they will assist you every step of the way.
At Reliant Insurance Adjusters, we have your best interest at heart. We strive to give you nothing but the best service by offering our knowledge and experience so that you can get the highest possible claim settlement. Give us a call to learn more about what we do.
If you live in Florida, you have experienced sudden and catastrophic wind events, such as hurricanes and severe thunderstorms. These storms can cause damage to your property’s exterior, leaving you in a position of possibly having to replace your roof, as well as repair damage to the interior. The questions is - Can you rely on your insurance company to cover all the damage?
The answer is a bit more complex than a simple yes or no because it depends on your policy.
Insurance companies are beginning to implement roof depreciation schedules into their policies.
Roof repairs or replacement, if the damage to your roof is caused by a covered loss, are typically covered in the dwelling coverage section of your policy. However, I cannot stress enough to make sure you understand and know what your policy covers, limits, or excludes. Recently, friends of mine obtained an insurance policy and unbeknownst to them, it included a roof depreciation schedule.
What Does This Mean?
A full roof replacement, without the help of insurance, can be a steep price tag for many property owners. It is a necessary component to your property’s envelope. If a roof depreciation schedule exists within your policy, the insurance company will deduct a percentage of coverage based on the age of your roof, then deduct your deductible. This can certainly result in high out of pocket expenses you did not expect to have.
Does Insurance Cover Roof Replacement?
Homeowner’s insurance policies will vary when it comes to covering full roof replacement resulting from a storm.
Most policies cover damages from sudden and accidental losses such as wind, hail, or lightning, but may have a higher deductible. Where other policies may exclude these types of storm damages altogether.
Be prepared and review your insurance policy so that you know and understand your property coverage. For example, whether you are covered, or not, for the ensuing water damage to your property from a roof leak or if you are covered for full roof replacement from a hurricane, windstorm, hail or lightening.
Roof Damage Insurance Claim Denied, Now What?
Was the damage to your roof insurance claim denied? The verbiage in your homeowner’s insurance policy is important for any claim you make. However, a roof repair or full roof replacement is not something you should wait to handle, whether your claim was denied or not.
If you need a roof replacement and the damage is caused by a covered loss, and your insurance provider is denying your claim, you may still have options.
That is when hiring a public adjuster, like Reliant Insurance Adjusters, can help you get the highest possible claim settlement and also potentially avoid an outright claim denial. Contact us today for a free policy review and learn how we can help get your insurance claim paid should you have one.