Whether you live in Boca Raton, Florida or any other part of the state, property damage can occur at any time and can result from a plumbing leak, fire, hurricane, flood, or other cause of loss.
 
We will never forget a call from a potential client who had water damage to his property.  When we arrived at his home to assess the damage, he showed us multiple areas that were leaking. 
 
One area stood out because there was noticeable rot on the baseboard and lower cabinetry, and it appeared to have been going on for a period of time.  As we questioned how long it had been leaking, water was dripping on his head from another leak above him.  He confirmed both had been ongoing for over a year.
 
Sudden and Accidental Damage is Covered

Whether you own a residential or commercial property, sudden and accidental damage that results from a covered cause of loss is covered under your insurance policy.
 
You have an obligation to mitigate this damage and preserve the evidence as soon as possible to avoid additional damage to your property.
 
Long Term Damage Is Not Covered

Property damage that has been occurring over a period of time and has not been mitigated, is not covered under your insurance policy.
 
Sometimes, factors beyond your control may prevent you from mitigating the damage.  However, you must notify the insurance company in this event and ask for assistance.
 
Your insurance policy is a contract with your insurance company, and you must comply with the duties and conditions of the policy. One of the duties is to protect the property from further damage.

Know Your Coverage

Understanding your insurance policy and knowing what is covered and excluded is important. Oftentimes, we receive calls for a denied insurance claim because the property owner was unaware there was no coverage for what occurred at the property.

At Reliant Insurance Adjusters, we specialize in new, underpaid, and denied claims and provide free insurance policy reviews. Our Team is dedicated to providing you with our knowledge and experience, so in the invent you do have a loss, we make sure that you have the coverage.
 
Contact us today to help you with your claim or for a free policy review.

Weather conditions can impact the number of insurance claims reported to insurance companies, especially in South Florida and throughout the state.
 
Extreme weather events such as hurricanes, floods, wildfires, severe storms, and tornados can cause property damage.  Additionally, weather events like this also cause damage to vehicles, boats, and equipment.
 
Whether you own a commercial or residential property, certain insurance policies will not cover damage caused by weather events.
 
Types of Damage That May Not Be Covered
 

• Rain is often not a covered cause of loss.  If you have a roof leak that results in interior damage to your property, you may not be covered. 

 

• Some policies require that a wind or storm-created opening must first occur, causing damage to the exterior of the building and allowing the water to enter.

 

• Flood damage from rising water that enters your property from the exterior, no matter what the cause, is not covered in a property insurance policy.  You must have a separate flood insurance policy to be covered for flood damages.

Types of Damages That are CoveredDamage caused by hurricanes, hailstorms and tornados are generally covered in your property insurance policy, unless hurricane and wind are specifically excluded. There are separate hurricane and wind policies available in instances such as this.
 
A tornado or hailstorm can cause damage to your property as well as the vehicles you own, whereas a hurricane can lead to widespread property damage and flooding.

Know Your CoverageDuring periods of adverse weather conditions, Insurance Companies often see an increase in claims. 
 
Not all property damage results in a covered insurance claim, so it’s important to understand your insurance policy and know what is covered.
 
At Reliant Insurance Adjusters, we specialize in new, underpaid, old and denied claims, and are dedicated to providing you with our professionalism, knowledge and experience.
 
Contact us today to help you with your claim or for a free policy review.