 Owning a property entails many responsibilities. In addition to the financial commitment of a mortgage, taxes, utilities, and insurance, there is also the duty of property maintenance. Whether you intend to sell your property or not, consistent and thorough maintenance is a crucial investment and can help save you money.
Many property owners are unaware that they must maintain their property as a condition of their home or business insurance policy. The majority of insurance policies specifically state that "neglect" or "failure to properly maintain the property" will cause problems if damage occurs. In simple terms, things that fail or break due to “neglect” are not covered by your insurance policy. Your property will have multiple areas that need maintenance for 2023, some of which may be obvious and others which are not. However, the majority of areas can be addressed with simple routine checks. With these consistent checks and maintenance, you can help prevent costly and frustrating issues from occurring. The Importance of Property Maintenance Routine, preventative, corrective, and cosmetic maintenance are all simple ways to manage the upkeep of your property. We have seen it all as public adjusters, and we are aware of the value and significance of property maintenance. Regular maintenance will decrease the likelihood that you will ever need to make an insurance claim. However, we are here to assist you if you ever find yourself in a position where you must make that decision. Here are five quick and inexpensive items to add to your maintenance checklist: #1 Maintain Trees and Large Shrubs You should cut off any loose branches and check the condition of the trees you have around your property before they have a chance to cause damage. Any trees that appear to be unstable, should have their trunks anchored to the ground or completely removed before that unexpected storm hits. In fact, if you own property in Florida, you probably realize how critical tree trimming is, especially before hurricane season. Although it might not be the most glamorous chore on your maintenance list, this straightforward task can help avoid hurricane debris damage as well as diminish the chance of pest problems. #2 Check Window Seals and Doors Your window seals can deteriorate just like any other component of your home. Every year, check the seals on your windows and doors. You can lessen the stress on your HVAC systems and lengthen their lifespan by making sure that every area of your property is properly sealed. This will also help prevent weather-driven rain from damaging your property through cracks or gaps in windows or doors. #3 Keep Your HVAC Systems Clean Maintaining your HVAC system is another crucial item for your 2023 maintenance checklist. It’s a good idea to have your HVAC system checked and cleaned twice a year while the lines should always be cleared, and the filter should be changed every one to two months. It is also a good idea to add fans in your kitchen and baths if you do not already have them installed. By doing so, you can lessen the likelihood of mold growth by reducing the amount of moisture that accumulates inside your home as well as contribute to good air flow for your HVAC system. #4 Check Plumbing and Drainage Systems Checking your plumbing and drainage systems is another important item to put on your maintenance checklist. Numerous factors, including roots and deposit buildup, can damage your plumbing, causing unexpected water damage at inconvenient times. Check for leaks on a regular basis under your kitchen sink cabinet and bathroom vanity cabinets. You may choose to partner with a qualified plumber to design a maintenance schedule if you need assistance with correctly maintaining your plumbing and drainage system. #5 Clean Refrigerator Coils At least once a year, cleaning refrigerator coils with a vacuum will help keep your refrigerator operating efficiently. You would simply remove the front panel and vacuum any dust, dirt, or pet hair as these coils are typically located at the bottom of the refrigerator where these elements like to collect. Consult your owner’s manual if you don't know where the coils on your specific unit are located. Property Maintenance and Prevention When it comes to upkeep and repairs, there are areas of a property that require more focus than others. Preventative measures and yearly maintenance will go a long way towards keeping your property safe and functioning properly. Making a yearly maintenance checklist is a preventative measure you can use to make sure your property is in tip-top shape. If you are unsure of which areas of your property need upkeep, you may want to engage a specialist to conduct a thorough assessment and identify any potential problems. At Reliant Insurance Adjusters we can assist you. Whether you need make a list of improvements, or document the current condition of your property before or after a loss. To find out how we can help, contact us for more information.
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 Thanksgiving is a festive time of year when homes are full of friends and family and activity is centered around the kitchen. Cooking and baking in preparation for the feast usually means kitchen countertops are covered in appliances and a smattering of ingredients, while ovens and microwaves are being put to good use. All of this activity may be joyful and exciting, but underneath are risks to your property that can be avoided with proper preparation.
Did you know that the National Fire Protection Association reports Thanksgiving as the number one day for home-cooking fires? Unfortunately, this means that property damage claims and injuries can result from unexpected accidents while cooking and preparing for Thanksgiving. As the holiday draws closer, we are sharing some ways you can avoid injury and property damage. Check Smoke Alarms It may seem obvious, but all too often, fires begin in homes where owners have let the maintenance on smoke alarms lapse. Or perhaps even worse, smoke alarms aren’t installed at all. For your family’s complete safety, you want to make sure you have a functioning smoke alarm in or near the kitchen, near every sleeping area, and on each level of your home. Make it a priority to check or replace batteries in all your smoke alarms at least once per year. Remove Fire Hazards In the spirit of the holidays, it’s easy to decorate with items that are fun and seasonal, but sometimes we forget that some of the items may create an unintentional fire hazard. Do a thorough review of the area near your stove and remove anything that could easily catch fire. This can include, but is not limited to, hand towels, plastic bags, wooden utensils, or hot pads and oven mitts. Turkey Fryers According to the U.S. Fire Department, more than 4,000 fires start on Thanksgiving Day. Using a deep fryer to cook turkeys results in about five fatalities, 50 injuries, and the cause of nearly $15 million in property damage each year. There are several things you can do to avoid a disastrous situation if you plan to use a deep fryer. Safety begins with your protection first. Wear a fire safe apron and use mitts that cover and protect your arms during the frying process. You want to avoid any bubbling hot oil or the heat from the fryer causing any harm to your clothing or body. If utilizing a fryer to cook your turkey outdoors, make sure to place the fryer away from any building or roof overhang, and cook the turkey in a well-ventilated location. This will prevent your property from catching fire in the event of a flareup. Make sure the oil is the proper temperature and consider utilizing a splash mat under your fryer in case of oil spillage during the frying process. Once you have finished cooking the turkey, it is important to always discard the oil and grease in sealed containers and dispose of it in the proper locations. Never discard oil or grease down your sink drains or toilets, as this can cause a blockage in your plumbing system. The result could then lead to water damage to your property from clogged plumbing lines. General Kitchen Safety Kitchen safety is important all year round. Follow these additional tips to ensure your next family gathering is safe:
By following these safety suggestions, you can make sure that you and your guests have a great Turkey Day while also keeping everyone safe year-round. Has Your Property Been Damaged? Has your property been damaged by fire, water, wind, or other causes? Our experienced public adjusters at Reliant Insurance Adjusters understand that filing a claim can be difficult and frustrating, especially during the holidays. We will handle the entire claim process for you. We create thorough damage estimates along with videos and photos, so you do not have to worry about taking on any of the work or stress that comes along with properly filing your insurance claim. Whether you have a new, underpaid or denied insurance claim, contact us to schedule an appointment.  In general, people tend to believe that insurance will always be available, yet insurance companies are businesses, and they are constantly assessing their risk just like any other business. They even reserve the right to revoke your policy.
Whether you own residential or commercial property, most people like to enjoy consistent coverage from the same provider for many years. It is always possible that coverage may be denied or cancelled for a myriad of reasons. Why Would Your Policy Be Cancelled? Insurance providers must ultimately make decisions that allow them to be profitable. They need to be able to evaluate risk and minimize loss, which may mean that if your covered property is posing too much risk or expense for them to continue coverage, your insurance company may cancel your policy. These are some basic explanations why your insurance coverage could be cancelled or non-renewed:
What Options Do You Have if You Receive a Non-Renewal Notice? If you receive a notice of cancellation of your coverage from your insurance provider, you still have some options available. You have a limited amount of time to secure new coverage. Insurance companies typically send non-renewal warnings at least 60 days before your policy expires. Find out if there is anything you can do to stop the non-renewal by getting in touch with your insurance agent. For example, if you take particular action to lower risk for your property, some insurers might decide to continue your coverage. You Should Evaluate Any Changes If you are planning to plead your case with your insurance provider, it can be worthwhile to evaluate any changes that have occurred and resulted in your cancellation. If you have made any improvements and upgrades to your property that can help you retain your insurance policy, it may be worthwhile to provide the evidence and documentation. Here are a few examples of how evaluating changes can be beneficial:
You Should Highlight the Value You Add as a Policyholder If you have been a long-standing policyholder with your insurer, remind them of your commitment to them and the years of trust you have placed in them as your provider. Go the extra mile in communicating the steps you have taken to improve upon their concerns and reiterate how much you value their service. Contact an Insurance Adjuster If you have a new, underpaid or denied property damage insurance claim, contact Reliant Insurance Adjusters to see how we can assist in the recovery of your property damage insurance claim. We also provide free insurance policy reviews so we can provide guidance to make sure your property has adequate insurance coverage.  In our work as Fort Lauderdale public adjusters, we have helped property owners file insurance claims for property damage caused by fire, water damage, flooding, hurricanes, and tornados.
As a Florida property owner, there are important things you want to know about the causes of fire. This includes how much risk fires represent in Florida, as well as the insurance policy most likely to provide coverage. Check Your Insurance Coverage As public adjusters, we help property owners receive claim settlements from their insurance company after a loss or disaster has occurred. That said, we are limited in what we can do if your policy does not provide coverage in the event of a fire or loss. This is why it is important to understand your insurance policy and the coverage it provides. Most insurance policies provide coverage for fire damage if the fire was caused accidentally. This includes but is not limited to damage caused by:
If the fire was set intentionally, it is considered arson and is excluded from both residential and commercial insurance policies. To better understand what is covered your insurance policy, it is important to speak with a public adjuster. Does Homeowners Insurance Cover Damage Caused by the Fire Department? While putting out a fire, the fire department can actually cause more damage to your property such as water damage or drywall damage just to name a few. We previously discussed an incident where a client was without power for a week and therefore was not able to mitigate the water the fire department used to put out the fire. As you would expect, mold started to grow, and we had to not only address the fire and smoke damage, but include the water damage and mold. It is important to note that water and mold damage are not the fire department’s responsibility. Their goal and purpose are to ensure that the fire is put out as quickly as possible all while keeping their firefighters safe from harm. Are Florida Properties at Serious Risk for Fire? Florida has the third largest number of properties at risk for wildfire damage, after California and Texas. While this is a startling number, it also speaks to the size of the state. Wyoming and New Mexico have a higher percentage of properties at risk, but they have less properties overall. Because Florida is a humid state, fires do not spread the way they do in California which is typically drier throughout the year. Of course, even with all these factors, residential and commercial property owners still need to be careful. Even if wildfires are less severe in Florida than in other states, it is still very possible for a fire to start in your home or business. We recommend following these fire prevention and safety tips to say safe and help prevent a fire. Looking for a Public Adjuster in Fort Lauderdale? At Reliant Insurance Adjusters, we are committed to helping residential and commercial property owners understand their policy and get the settlement they deserve from their insurance company. If you have any questions about how we can help you or would you like to speak with us regarding your insurance claim, contact us today.  As a silent lurker, water leakage can cause devastating damage to your property. This is because some leaks occur gradually, without any warning or fanfare.
There are a multitude of reasons why your property may be prone to leaks, and identifying these reasons is not always easy. Older structures, for example, may need to be updated to prevent water entry in ways that are not obvious at first glance. If necessary updates to your home or office are not completed, you may find yourself facing water damage to some degree. This is especially true in locations where storms or heavy rainfall are common, like in Florida. Here are a few tips to prevent water from entering your property through windows, doors, and your roof. Windows Windows in older buildings are often prone to water leakage. Often, these windows have been affected by years of temperature variation, the home moving and settling, and old caulk beginning to crack. These factors all play a role in the window no longer being watertight. If you notice gaps between your window and the wall, there are a few simple steps you can take to prevent water entry. These steps include removing debris from weep holes, the tiny passages for water to escape your home's building envelope near the bottom of the window. You can also remove old caulk and re-caulk the window frame. If you complete these steps and are still experiencing water leaks around your windows, reach out to a local contractor for an evaluation and perhaps a full window replacement. Doors Typically, water entry occurs underneath doors leading outside. These leaks happen when there is a gap between the threshold plate and the bottom of the door, or when the plate is not properly sealed. These leaks can be costly especially if your interior floor gets damaged, or if the water has spread throughout the property. If you notice water entering your structure through an exterior door, you may need to replace the door threshold plate. This can be done in a few steps:
Water leaks can also be deterred through weatherstripping, canopies, overhangs, and awnings to minimize water entry in the vicinity of the door. Roofs Leaky roofs are best prevented through the use of quality building materials. These materials include waterproof barriers, which function to prevent water seeping into areas including a vent, skylight or chimney. One way to protect your property is to install pre-manufactured flashing. Similar to waterproof barriers, flashing directs water away from openings prone to water leakage in the roof. Another level of protection for your roof would be installing roof deck protection when installing a new roof. This can create a barrier underneath your shingles, effectively keeping water from leaking through any gaps in the shingles. Lastly, consider ventilating your attic. Hot and humid attics allow for the presence of moisture, increasing the likelihood of mold. Do You Have Water Damage? Have you discovered water damage within your home or office? Are you unsure of the extent of the damage or how to proceed with if you have an insurance claim? We are here to assist you! At Reliant Insurance Adjusters, we specialize in commercial and residential insurance claims, including mold and water damage. Our adjusters are prepared to guide you through this stressful process by asking the right questions, so that you don’t have to. Contact us today, we are here to help.  There are more than 50,000 employer establishments in Palm Beach County. While these businesses can represent major sources of revenue for their owners, they are also at risk for all kinds of property damage: weather events, fire, theft, water damage and more.
If you own a business in the area, it is a good idea to speak with a public adjuster in West Palm Beach. We can help you understand what coverage you have and help you file an insurance claim. Many business owners have business personal property insurance, which provides essential coverage. What Is Business Personal Property Insurance Designed to Cover? Business personal property (BPP) coverage is part of a broader commercial property insurance policy. While the broader commercial policy is likely to provide coverage for the building if you own it, BPP specifically is designed to encompass the items that are not a part of the building. This can include:
While BPP does not provide coverage for the building, it will likely provide coverage for improvements you have made to the building. It is designed to protect against several different kinds of property damage like water, fire storms, theft, and vandalism damages. As always, policy coverage varies from policy to policy and we will review your policy to determine and help you understand your coverages. Does Business Personal Property Insurance Cover Office Equipment in My Home? Business personal property coverage can include office equipment if you have a home-based business. If you own a home-based business, it is important to review your homeowners insurance policy because it may not provide the coverage you need. Depending on the size of your home-based business, you may need to supplement your homeowners insurance policy with increased business property limits, an in-home business policy, or business personal property insurance. Business personal property insurance is also tax-deductible, which makes it a great choice for all kinds of businesses. Does BPP Cover Other People’s Personal Property? There may be situations where another person’s property is put under your care, control, or custody. While BPP will not provide coverage, the broader commercial property insurance policy will. What If Your Insurance Company Disagrees Regarding Your BPP Coverage? If your insurance company denies your claim, there are still options to receive a claim settlement. The earlier you choose to work with a public adjuster, the better. We thoroughly document your claim, and assist with making sure all of your post loss policy obligations are met. Additionally, we can provide a pre-loss inspection report before damage even occurs and prove the condition of your property prior to any loss. I cannot stress enough how our clients who sustained flood and wind damage from Hurricane Ian wished they had done this as we sift through all the damage and try to document their damaged business personal property. Are You Looking for a Public Adjuster in West Palm Beach? You have come to the right place. We are experienced public adjusters and are dedicated to helping homeowners and business owners get the settlement you deserve. If you have any questions or would like to speak with us, contact us today. We are always happy to help.  The Atlantic Ocean experienced several hurricanes of the 2022 season after months of mostly calm. Before making landfall as a catastrophic Category 4 Hurricane on the west coast of Florida, Ian as it traveled through the gulf waters, produced Tornados in the outer bands which affected some our local towns on the east coast of Florida. While it was not expected to make landfall on the east coast, Ian still left a trail of damage in its wake. Sadly, Ian’s force left such destruction, flooding and unfortunately loss of life. Our family, friends, colleagues, and neighbors on the west coast are trying to put their lives back together as they navigate these difficult times. It will take quite some time to restore and rebuild and we are sending our thoughts and prayers to all. As we are assisting clients with tornado damage, it is a very important reminder to always be prepared. We were not expecting to have anything but some mild rain and wind on the east coast. Before we knew it, our phones were blaring with tornado warnings to seek shelter in an interior room as the tornado was moving quickly and affecting our towns. Experts always caution that the weather can shift quickly and that deadly storms could still develop in the coming weeks. This makes being prepared the name of the game. Here are a few things to review to keep your home and property safe, as we are not in the clear yet! #1 Take an inventory of your personal property Making a list of your personal property might seem like an extra step, but it will help you make sure that you have obtained enough insurance to replace your personal belongings in the event of a catastrophic storm. If you need to ask for disaster aid, it can also expedite the claims process. Keep your critical documents with your home inventory and be sure to take them with you if you need to leave your property. #2 Prepare and Protect Your Property In order to be prepared for the remaining weeks of hurricane season, be sure that you have safeguarded your property with a few simple steps. Make sure that your gutters, downspouts, and drains are clear to ensure that water will divert away from your property to help avoid water damage. For the best defense, install permanent storm shutters to lessen the likelihood of shattered windows. If you don’t yet have shutters (or impact windows), consider using plywood to cover your windows in case that storm hits. Check on your property’s larger trees and prune any hanging branches. Put away outdoor items such as patio furniture, trash cans, potted plants, and bicycles to avoid property damage that high winds can cause if such items aren’t secure. #3 Prepare an Emergency Stash of Supplies Prepare an emergency stash of supplies well in advance in case a hurricane does come to your area. Bottled water, first aid kits, and other necessities are frequently unavailable in stores once the forecast has been released due to such high demand. Don’t wait for that moment. It is a good idea to have these supplies in advance, and a good rule of thumb is to plan for at least five days of critical supplies. 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 hurricanes can cause severe damage no matter where in the state you are. Begin planning your evacuation route by searching for information on your local county/city website. Make note of the locations of nearby shelters, pet boarding facilities, and gas stations. Review your plans with your family and consider a practice run-through to make everyone familiar with their role in case you do need to evacuate. Our Hurricane Supply Checklist is available for you to download today so you are always prepared. Hope for the Best, But Plan for the Worst During Hurricane Season It may be tempting to relax and let your guard down, but hurricane season is not over just yet. In the event there is a hurricane, be better prepared with the suggestions I covered here. Also make a note that your property insurance may cover typical repairs and extra living expenses should you need temporary shelter. However, your homeowner’s insurance will not cover flood-related destruction. Make sure you have flood insurance whether you are in a flood zone or not. If you need further information or would like an evaluation of your preparedness, at Reliant Insurance Adjusters, we have the resources needed to properly conduct pre-loss inspections and can guide you towards the best options for your needs. Contact us today for more information.  As public adjusters in Boca Raton, we work with both commercial and residential policyholders to help them receive the right claim settlements for their property damage. This means filing an insurance claim after damage has occurred, but we also provide a service where we document the condition of your property before damage occurs.
Insurance companies ask commercial property owners for all kinds of information once a claim has been filed. Given the fact that it can be difficult or sometimes impossible to get this information, pre-loss inspections can be vital for getting your claim approved when the insurance company asserts the damage is pre-existing to the loss date or that the damage has been going on over a period of time. What Is a Pre-Loss Inspection? A pre-loss inspection is designed to provide you with a photo report and/or videos showcasing the current condition of your property. The methods we use for taking this documentation will vary depending on your needs. In most cases, we take extensive photos of the interior and exterior of your property together with a drone video of your roof. In other cases, a drone video of just the exterior of the property and roof, or just interior photos of the property is sufficient. Either way, if you ever need to file an insurance claim, the goal is to prove there is no pre-existing damage to your property. In Florida, pre-loss inspections are especially common before hurricanes or other catastrophic events such as fire, lightning strikes or hail damage. That said, pre-loss inspections can be useful any time you are concerned about having the documentation you will need to file a claim with your insurance company. Here are just some of the insurance claims where a pre-loss inspection report can help you:
What is the Difference Between a Commercial and Residential Pre-Loss Inspection? There are some areas of overlap between residential and commercial pre-loss inspections. For instance, both commercial and residential policyholders will want documentation regarding the current condition of your property. However, we also keep in mind the different kinds of claims a building owner and homeowner might have and have different pre-loss inspection packages. Why Business Owners Choose Reliant Insurance Adjusters for Pre-Loss Inspections When hiring a public adjuster for a pre-loss inspection, you want to look for knowledge and experience. An experienced public adjuster in Boca Raton will be able to anticipate problems before they occur or catch something you may not see. This will allow you to protect your property by repairing it timely. We also know what to look for and how to properly document your claim to avoid a claim denial. In some cases, this can mean letting you know about aspects of your property that are not covered in your policy. We discussed this in our recent blog about EIFS exclusion. While inspecting your property, we will also be able to provide examples specific to your property should they exist. Along with that, it is also useful to find someone with skills that can help during the information gathering process. My business partner, Scott Scovin, is a licensed drone pilot. By working with a drone pilot who understands insurance, you can rest easy knowing that all the information needed will be gathered. Are You Looking for a Public Adjuster in Boca Raton? You have come to the right place. At Reliant Insurance Adjusters, we have decades of experience helping commercial and residential property owners understand their policies and file claims with their insurance company. Whether you are currently in the process of filing your claim or you have been underpaid or denied for your claim, we can help. Are you prepared in the event of a hurricane or other catastrophic event such as fire? Either way, please do not hesitate to contact us. We are always happy to help property owners navigate the complicated world of insurance.  To most individuals, their property, whether commercial or residential property, is their largest and most important financial asset. Typically, it will appreciate in value, giving you an opportunity to financially gain by renovating, selling, or renting out your property. That said, this asset can quickly become volatile and problematic due to property damage caused by a water leak, fire, storm damage, fallen tree, or other incident.
When property damage occurs, your first step before beginning repairs is to file an insurance claim. There is a waiting period before repairs can begin. As a property owner, there are actually further steps you need to take prior to beginning repairs to your property. The following are the necessary steps you need to take before moving forward with repairs. #1 File the Claim Immediately After ensuring everyone is safe from the property damage, you must take quick action to notify your insurance company of the damage. However, not every claim is an insurance claim and you must understand what is causing the damage to your property in order to file the correct claim. Since there are certain obligations within your insurance policy that must be complied with, it is important to preserve the evidence and repairs should not begin until the claim process is documented and complete. Insurance companies require an investigation of the damage, the extent of which may vary. It is important to take emergency measures to protect your property from further damage, but not to complete all repairs prior all inspections being completed. If any repairs are completed during this stage and the evidence of your damage is removed, it is likely that your insurance company will deny your claim. #2 Wait Until the Claims Process is Complete The claims process typically takes about 30-90 days to complete. However, the timeframe may be extended depending on the extent of the damage to your property, what documentation is being requested and how many inspections are required by the insurance company. #3 Complete All Duties After Loss Every insurance policy outlines duties after loss that you are responsible for completing following property damage. Every policy is different, so make sure that you review your policy and have a good understanding of what the insurance company requires of you. A few common duties after loss include:
There are also timelines within which you need to submit this information. If you fail to comply with any of your duties after loss or begin repairs before the claim is finalized, the insurance company can deny your claim. Has Your Property Been Damaged? Has your property been damaged by water, wind, fire, or a water leak? We understand the claims process can be confusing and stressful, especially coupled with the stress of damage to your property. At Reliant Insurance Adjusters, our licensed public adjusters are experienced with the claim process that follows property damage and more importantly, the deadlines for submission of requested information. We prepare detailed estimates of damage with photographs. We are here to assist you with preparing all the necessary documents to submit to your insurance company and guide you through the entire claims process. Contact us today and let us know how we can assist you.  Mold is one of the more complicated forms of property damage, in part because it is not always easy to determine whether the damage was caused by the mold itself or by the water that caused the mold.
What you should know when trying to get compensation for mold damage. Specifically, we will discuss the two policies that are most likely to provide coverage, as well as what to do if an insurance company denies your claim. Does Homeowners Insurance Cover Mold? There is no such thing as a “mold claim.” Instead of writing policies specifically centered around mold damage, insurance companies sell policies that can compensate for mold damage when the mold results from a peril that is covered under your policy. Mold in and of itself, it not a covered peril. Homeowners insurance will usually cover mold damage if it is caused by a covered peril for which you have coverage. For instance, let us say that your home was damaged when a water heater unexpectedly leaked. If the damage caused by the water heater is covered, and mold occurs as a result of the water damage, you will be covered. It is important to note that homeowners insurance does not provide coverage for lack of maintenance or wear and tear to your property. If the mold grew slowly over a period of time as a result of a leaky faucet, you will not be covered nor will you receive compensation if you file a claim. Does Flood Insurance Cover Mold? Much like homeowners insurance, there are some situations where a flood insurance policy will cover mold. The key is that you do everything in your power to prevent the mold from occurring. Under a flood insurance policy, it is sometimes difficult to get compensation for mold if you have access to your property but did not dry it timely. However, if your property was not accessible as a result of the flood, or there was no power and you were not able to remove the moisture and mold starts growing, it is possible you can get compensation for mold damage. It is important to understand that every insurance policy is different so it is ideal to speak with an insurance expert who can review your policies and explain your coverage. What If Your Insurance Company Denies Your Claim? Denied claims can be upsetting if you expect your insurance company to pay for damage to your property. A claim denial does not necessarily mean that the process is over. Instead, it is a good idea to find an experienced and knowledgeable public adjuster to review your policy and explain your coverage. If it is determined that your policy covers the damage, a knowledgeable public adjuster can reopen your claim. There are many methods we use to document and prove the damage is covered to help you get compensation for your claim. We have been successful in overturning many claim denials for our clients. Looking for Public Adjusters in Palm Beach County? You have come to the right place. At Reliant Insurance Adjusters, we work with property owners who want to understand their policy better and get the compensation they deserve. Our backgrounds, coupled with many years of experience, give us an advantage when dealing with insurance companies. We provide free policy reviews whether you have a claim or not. If you have been underpaid or denied for your insurance claim, please do not hesitate to contact us today. |
AuthorKaren Schiffmiller Archives
December 2022
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