We have seen it happen one too many times. Property owners were calling public adjusters in Palm Beach County asking for help because their water damage claim was denied, and are hoping that a public adjuster can find a way to remedy the problem. Not every insurance claim needs the help of a public adjuster, however, many of them do and handling an insurance claim can be tedious and time consuming. You should contact an experienced public adjuster who will inspect your damage, review your insurance policy and discuss whether or not you should file a claim. In many cases, policyholders who did not seek the professional help of a public adjuster wound up with underpaid or denied claims.
One of the reasons why property owners may not think to call a public adjuster at first is panic. You come home, see water everywhere and are not sure what to do or where the water is coming from. The next thing you know, you are attempting to clean a mess yet forgetting to document your damage. Dealing with insurance claims is complicated because you must protect property, yet you need to be careful not discard the evidence before the insurance company has inspected the damage.
How to Get Your Insurance Company to Pay for Water Damage
Step 1: Identify the Source of the Leak
The first thing you should do is shut the water main valve to stop the water from causing any further damage. If you are not sure how to do this, a quick Google search will help you. To do that, you need to trace where the leak is coming from. It also may be wise if you invest in automatic shutoff valves or a water leak detection system, especially if you have already experienced a leak.
Step 2: Check Your Insurance Policy
Surveys show that there are more water damage claims filed in the US than claims for hurricanes and fires. Water damage is not uncommon, which is why many insurance companies offer limited water damage coverage. They determine this by the age of your home or how many water damage claims you have filed.
Most water damage is covered when it is sudden and accidental, not ongoing for a period of time. If you have not properly maintained your home, changes are your claim will be denied. Depending on your insurance policy, depends on the type and amount of coverage you will have.
Step 3: Find An Experienced Public Adjuster
It is always important to have a public adjuster represent your interests and help determine if your claim is covered under your policy. Today, with all the erosion of coverage in our policies, it is more important than ever to have professional help. This is why you need a public adjuster on your side. The insurance company has insurance adjusters to represent their interests, you should have a public adjuster to represent yours.
A public adjuster will evaluate the damage and review your insurance policy. If you have a covered loss, they will preserve the evidence, photograph the damage and prepare a detailed estimate of your damage to submit to your insurance company. They will communicate with your insurance company, be present for all inspections and should always communicate with you during the claim process.
Are You Looking for Public Adjusters in Palm Beach County You Can Trust?
At Reliant Insurance Adjusters, we have your best interests at heart. We will guide you every step of the way and will never settle your claim without your approval. While other companies may offer similar services, we guarantee to provide you with our knowledge and experience and give you the best service. We offer additional services. Give us a call to learn more about how we can help you.
You may not have control over mother nature's tropical storms or hurricanes, but there are a few steps you can take now to better protect yourself and your family from future storms.
If you live in at-risk areas or high-velocity hurricanes zones (HVHZ), being prepared for hurricane season (June 1st to November 30th ) is a high priority.
Last-minute hurricane preparation can be stressful, but there are a few ways you can prepare to make it less stressful when a hurricane is headed your way.
Pre-Hurricane Season Tips
There are countless ways that you can prepare for hurricane season, and the following are just a few proactive steps you can take to begin preparing your home and family.
Gather Important Documents
Power outages can result from hurricane-force wind damage and can keep you from being able to access important information and documents, such as the ones listed below, when you need them the most. Take some time to print and properly store important documents in plastic bags or sealed plastic containers, such as:
Stock Emergency Supplies
It's also important to be sure and stock your home, car, and pet emergency supply kits. You may want to take a trip to the gas station and fill a few gallon containers with gasoline for the generator or car, should you need to evacuate.
Restock your pantry with non-perishable, easy-to-prepare food, water, medical supplies, and first-aid kits.
Don’t forget about your pet’s safety too. Restock their emergency supply kit, which may include:
Make A Plan
Set aside some time to create a plan with your family that details nearby shelters and include the possible routes you can take to get there. You can also map out potential evacuation routes and places to stay.
Remember, prior to evacuating, grab your emergency supply kits and take the items you need most, such as cell phone chargers, medications, IDs, and cash. You should ensure these items are stored in an easily accessible space.
If you have pets, identify in advance the pet-friendly shelters or hotels that you can evacuate to, which your local animal shelter may be able to help with.
Here For You Before and After This Season's Storms
Mother nature can be very unpredictable, and it is important to be prepared for hurricane season. Whether you need a professional pre-loss inspection or if you need an inspection after the storm passes, we are here to help.
At Reliant Insurance Adjusters, we can help you with a variety of services to ensure you receive proper compensation for your insurance claims now and in the future. Contact us today to learn how we can help you.
What is the first thing you’ll do if you discover damaged to your property due to a water leak? Are you going to attempt to fix it yourself? If the damage is extensive, would you call a handyman to have it repaired? The responsibility is on you to stop the leak, however it is also on you to preserve the evidence of the leak and the damage is caused if you file an insurance claim.
The first thing you should do is call a public adjuster in Fort Lauderdale to inspect, document and photograph any damage. These raw photos can be used to support your the settlement of your claim with your insurance company.
Why Hire a Public Adjuster
Decodes Your Insurance Policy
Have you ever read your insurance policy? Ironically, policyholders rarely read their policy and know what is covered or excluded. Perhaps the only time they read it is when they need to file a property damage insurance claim. Unfortunately, the policy is confusing because it shows coverage, then excludes the coverage deeper in the policy, then replaces the coverage with different coverage.
Confusing and frustrating, but don’t worry, a public insurance adjuster will offer to “decode” the terminology in your policy to help you better understand what is covered. Understanding what is included in your policy is essential when you are filing a claim.
Processes Your Claim Faster
Anyone who has the determination can file a claim, but it is not going to be easy. The process can be time-consuming and daunting. Most property owners give up midway to avoid the stress. You don’t have to go through the tedious intricacies of processing insurance claims. Let your public adjuster handle everything for you.
Public adjusters have the knowledge, experience and skills to prepare and submit all the required documentation in a timely manner. In addition, they understand your insurance company’s language, which makes it easier to settle your claim.
Works For You
Unlike insurance company adjusters who work for the insurance company, a public adjuster works for you and is your advocate to make sure you receive the property claim settlement. Everything you need to process your claim is taken care of, including inspections, phone calls, emails and documentation preparation. They are also very skilled claim negotiations with the insurance company.
Are You Looking for a Public Adjuster in Fort Lauderdale?
Do you need the assistance and expertise of a public adjuster? If yes, we are here for you. We understand the amount of stress you are currently dealing with. However, adding the stress of handling your own claim will only make matters worse. If you want to increase your chances of receiving a good claim settlement, we recommend hiring a public adjuster.
At Reliant Insurance Adjusters, you can trust us because we treat every property damage as if it were our own. Although many companies offer the same services as we do, we strive to give you nothing but the best service by providing our knowledge, experience and attention to detail so that you can get the highest possible settlement for your claim.
We help ease your stress. Give us a call to learn more about us and what we do.
What better way to say “I love you” on Valentine’s Day than with impact windows!? If you’re a South Florida property owner, you may choose to get creative when it comes to protecting your home during hurricane season or saving on your energy bills throughout the summer.
How nice would it be not to have to put up your shutters every year or adjust your thermostat throughout the day? Think about how much time you could save and spend with your valentine or how much more you both might enjoy the comfort of your home? By installing impact windows, you address two issues at once.
3 Benefits of Impact Windows
Impact windows can provide several benefits that your valentine will be sure to love on Valentine’s Day.
#1: Reduce Your Energy Bills
Impact windows better insulate your home, which helps reduce your energy bills and keeps your HVAC system from running overtime. This translates into energy bill savings each year…what valentine wouldn’t love that? Look for their ENERGY STAR-rating and other energy-friendly features, such as low-E coatings and solar ratings to help determine which windows are ideal for your lifestyle and comfort.
#2: Increase Your Home Value
Impact windows tend to improve the value of your property, which is exponentially beneficial if you are planning to sell in the future. These installations boost property values because of their tighter insulation and ability to effortlessly help protect your property from severe weather, which can cause flying debris, which leads to benefit number three.
#3: Better Protection Against Storms & Hurricanes
One of the biggest benefits of impact windows is that they better protect your property against storms and hurricanes, withstanding flying debris and wind. This feature alone makes them the perfect Valentine’s Day gift because they can show that you truly care about your valentine’s well-being, property, and irreplaceable belongings.
Bonus Benefit: Impact Windows Help You Avoid Filing Insurance Claims
There are several reasons why impact windows make a great Valentine’s Day gift, including their insulation properties and ability to better protect your property from storm damages. Florida property owners certainly experience their fair share of severe hurricanes and wind-born debris, which is why impact windows are a major plus for many people in the Sunshine State.
However, accidents happen, and properties can still get damaged given the right conditions. If you find yourself in a situation where you need to file a property insurance claim, need a public adjuster, or need any other related services, we can help.
At Reliant Insurance Adjusters, we treat every client’s property damage claim as if it were our own. We are dedicated to providing the professionalism, knowledge and experience needed to get you the highest possible settlement for your claim. Contact us today to learn more about how we can help you.