Florida is well-known for being a hurricane hot spot, with an average of 14 hurricanes or big storms per year. This means that you need to be adequately prepared for storm season. As well as physical preparations, that means arranging a pre-storm inspection. An inspection is necessary to document the condition of your home, business, or rental property, helping you to plan for the hurricane season and to avoid future insurance disputes. To be sure that documentation is complete and thorough, you need the services of someone who understands the importance of a proper inspection. At Reliant, we have the expertise to provide you with the detailed documentation you need.
Perhaps the most important reason for a pre-storm inspection is to document your property's current condition. You'll need this kind of detailed independent evaluation in case you should have a property damage insurance claim down the road.
While possible weak spots and likely causes of future storm damage may be easy for the layperson to identify, this isn't always the case. With a detailed expert evaluation, you'll be able to identify the elements of your property that should be repaired, enhanced, or protected ahead of the storm season. This kind of proactive preparation can go a long way towards minimizing the impact of Florida's hurricanes and storms on your property. By correcting any pre-existing issues, you can get ahead of potential insurance disputes regarding pre-existing damages when you need to make a claim.
If the worst happens and you need to make an insurance claim for storm damage, you need to be well prepared. Suppose you are unable to present your insurance company with detailed and impartial evidence of your property's condition and value before the storm. In that case, it can be challenging to resolve insurance disputes in your favor. Without documentation, it can also be hard to prove that you've done everything you can to resolve pre-existing conditions and protect your property from storm damage, making insurance disputes more likely.
Storm damage can be a major headache for any Florida property owner. We at Reliant can help you take some of the stress out of hurricane season with a full Pre-Storm Inspection Report.
When you make a property damage insurance claim, documenting that damage is very important early on in the claim. Not only is photographing and showing the damage important, but having a 3d virtual tour of your property is essential.
We have added the Matterport 3D Camera to our arsenal of tools for all our property inspections which provides an amazing 3D image of your damaged property that you can walk through with the click of a mouse. This amazing technology amplifies our ability to provide the extreme attention to detail that we provide for all our services.
In today’s technological world, what better way to present your property damage to the insurance company than with a virtual tour of your property! This is an added bonus that we include with all our estimates of damage.
Yesterday, we met with our client that has a two-story home with a complicated floor plan. Being able to provide this link to the insurance company and showing the damage in this capacity will certainly help settle their claim more efficiently. Not only can you walk through the home, but you can click on “tags” that we add to the floorplan that allows you to zoom in on damaged areas of the building. This eliminates any possibility that the insurance company “missed” an area that was damaged during their inspection or “wasn’t shown” a particular portion of the damage.
We leave nothing to chance when presenting a claim to an insurance carrier. We are always searching for new ways to make sure that our clients get the very best representation for their property damage claims and make sure that they get paid everything they are entitled to. That’s why you can “Rely on Reliant!”
The Difference Between an Insurance Claims Appraiser and an Insurance Claims Umpire
When you make an insurance claim, you always hope that things will go smoothly. Ideally, you would file your claim, an insurance adjuster would inspect the damage and write an estimate for the cost of repairs. You would then receive the amount needed to repair your damaged property.
Unfortunately, it doesn't always work this way. An insurance adjuster may not always agree with the policyholder as to the value of the claim. Sometimes the amount offered by the insurance company might be significantly lower than what the policyholder making a claim might have expected. In some cases, your policy will have an alternative dispute resolution process where you can dispute the claim and try to get the insurance company to pay more for your damages.
If there's a dispute over an insurance claim, there are various ways to resolve the situation. One way to move forward is to invoke the appraisal clause in the insurance policy. In this example, both the policyholder and the insurance company designate an individual to serve as their appraiser for the claim. Both appraisers meet at the property to inspect the damages and discuss the differences between the two estimates and try to come to an agreement. If they are unable to do so, a third party called an umpire, is called in to make a final decision and resolve the dispute.
The umpire must be competent to make such a decision, with in-depth knowledge of property dispute resolutions, which relate to the kind of claim being disputed. The umpire must also be disinterested and impartial and not be connected in any way to either the insurance company or the policyholder who is making the claim. The insurance claims umpire will meet both appraisers at the property and listen to both of their positions on why they feel they are correct.
The umpire will then render a decision which is binding and final. Both the policyholder and the insurance company have to accept the result. That is why it is important to choose an expert insurance claims appraiser, and if needed, an umpire who can make a fair claims settlement.
We are Certified Insurance Appraisers and Umpires (CPIAU) and have the knowledge and expertise having handled many claims dispute resolutions throughout our careers.