Can Mold Destroy Your Property?
Can mold damage your property? According to research, mold not only damages your health, but is also notorious for causing serious damage to your property. It is important to always maintain your property. If you discover mold, it is important to call a mold testing company to find out what kind of mold is present. Once you have received a mold report, you will want to have a reputable mold remediation company evaluate the damage and provide an estimate. Many times, you do not realize the extent of your damage or if the cause of the mold is covered in under your insurance policy. Contact your insurance adjuster in Fort Lauderdale so they can review your insurance policy, inspect the damage and assist you with filing a property damage claim.
How Can Mold Destroy Your Property?
Mold thrives in moist environments and is often times the result of water damage from a broken pipe, HVAC leak or flood. If mold is unnoticed or left untreated, it can continue to spread and can cause extensive damage not only to walls, baseboards, flooring, cabinets and wood, but can also spread to your fabrics and clothing.
Water and mold can cause far more damage over a longer period of time if left untreated. Aside from structures being damaged, mold can also spread into your heating, ventilation, and air conditioning systems.
When you turn your HVAC system or heating on, the mold spores will disperse throughout your property, it can cause an unhealthy environment. Once inhaled, it can cause respiratory problems such as sneezing, coughing, pneumonia, and asthma.
What Should You Do When You Discover Mold in Your Home?
When you discover mold in your property, never attempt to remove it yourself. Mold is usually toxic and you should always have a reputable licensed professional remove the mold mainly referred to as mold remediation. The mold remediation process is tedious and if not done correctly, mold spores can spread and cause additional contamination causing further damage to your property.
Any property that has been contaminated by mold, cannot be cleaned and is not salvageable like drywall, fabric furniture, mattresses, carpeting and wallpaper, should always be discarded.
Promptly notify your public insurance adjuster and let he/she inspect the extent of the damage and review your insurance policy. Your insurance adjuster will guide you and advise you if you have a valid insurance claim and will relieve you of the stress by handling your insurance claim for you. They will fully document all damage to your property, prepare and submit all the required documentation in support of your claim and deal directly with your insurance company on your behalf.
Just like specific care and concern is needed when dealing with mold, having the proper care and representation from your public insurance adjuster is also important when filing a property damage claim.
If you do have a covered insurance claim, it is important that your claim is filed properly and timely. If not, this can result in a claim denial from your insurance company and cause large out of pocket repair costs to you while dealing with mold and an already stressful situation.
Are You Looking for an Insurance Adjuster in Fort Lauderdale You Can Trust?
The good news is that you don’t have to deal with property damage alone and burden yourself. with all paperwork. Leave that job to us and we will assist you every step of the way to obtain the correct settlement.
At Reliant Insurance Adjusters, we have your best interest at heart. 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 offering our skills, knowledge, resources, and experience so that you can get the highest possible settlement for your claim. Give us a call to know more about what we do.
The holidays are a festive time of the year filled with so many traditions to celebrate, but they can also present many opportunities for accidents to happen. With all the hustle and bustle of gift-giving, meal planning, and travel scheduling, safety often gets overlooked.
Keeping your property safe throughout the holiday season can be more challenging than you imagine because there are several risk factors that many people often don’t even think twice about.
3 Holiday Safety Tips for Your Property
To help you ring in the new year with plenty of cheer, we have created a short list of our top holiday safety tips to help keep your family, property, and belongings safe throughout the holidays.
#1: Be prepared for hot stovetops and grease.
Plenty of turkeys, hams, stuffing, and casseroles will get cooked this holiday season. If you aren’t cooking with caution and care, it could lead to a fire, especially when butter, oil, and grease are involved. Avoid leaving food unattended when its cooking on the stove or in a fryer to help reduce the chances of igniting or spreading fires.
#2: Don’t leave lit candles unattended.
The twinkling light of candles on cool winter nights can make your home feel extra cozy and inviting. However, candles can be a fire hazard waiting to happen. Be sure any combustible or flammable items (wrapping paper, Christmas trees, blankets, etc.) are not close to lit candle(s).
Consider placing your candles in a holder on sturdy and clear surfaces with at least a foot of space around the open flame. Also, try to blow them out before they burn all the way down so their glass holder doesn’t explode. And, most importantly, never leave a lit candle unattended. You may even want to replace decorative candles with faux options.
#3: Check that the seals around your home are intact.
While it may not snow in Florida, it can get quite chilly and we are exposed to a lot of heavy rains. Check that the seals around your home are intact. Sealing any cracks in your windows, walls, and doors makes it harder for water to seep into your home and cause problems in the event of a strong thunderstorm. You can also help prevent water damage due to burst hot water heaters or clogged air conditioning lines by checking them for leaks on a regular basis and having them serviced several times a year.
Enjoy a Safe and Damage-Free Holiday Season
There is so much to celebrate and be thankful for throughout the holiday season, and we hope you enjoy yours safely. At Reliant Insurance Adjusters, we understand that accidents can still happen even if you are prepared. We are here to help you with any property claims you may need to file or answer any questions you may have to help keep your property safe throughout the year. Contact us today to learn how we can help.
Being a property owner of a residential or commercial property should make you feel proud. Whether you have spent thousands or millions of dollars building your dream home or building, seeing it destroyed due to water damage is heartbreaking. Water never stays stationary and if not noticed quickly, can travel into other areas of your property causing significant damage. It can also cause mold and if left undetected, can also cause dry rot. When you discover damage to your property, call a public adjuster in Broward County right away.
Property damage can be extremely frustrating to deal with, including the paperwork needed to and required to submit to your insurance company. To get everything you are entitled to get compensated for your damage, we have compiled some tips that are guaranteed to help ease your stress.
Helpful Insurance Settlement Negotiation Tips
#1 The Insurance Company Is Not Your Friend
One common mistake some property owners make is treating their insurance company as if they were their friend. While insurance companies are there to help you in times of need, they are in the business of making money and their ultimate goal is to save as much money as they can. This can lead to an underpaid or denied insurance claim.
#2 Promptly Report Your Claim
The moment you discover damage, it is important to read your insurance policy to see if the cause of your damage is covered. Sometimes you may have a high deductible so reviewing your deductible and assessing the damage is important to understanding if you should file a claim. If the damage is covered and exceeds your deductible, then you should file your claim.
Reading insurance policies can be daunting and confusing. Speaking with an experienced and knowledgeable Public Adjuster can help you understand your coverages and exclusions.
A Public Adjuster represents you, not the insurance company and will fully document your claim, prepare and submit the required documentation on your behalf and work diligently to get you properly compensated for your damage.
#3 Accurately Reporting Your Damage
When you file an insurance claim, it is important to understand what caused the damage and what is damaged. If your claim is reported incorrectly or the wrong terminology is used, the insurance company can deny your claim.
Regardless of what happened, if you are unsure if the damages are covered or what is causing the damage, ask your public adjuster to inspect your damage and review your policy.
#4 Avoid Speculations
When you experience damage to your property it is only normal to feel stressed. However, stress can sometimes lead to speculation rather than facts. Don’t speculate and stick to the facts of your claim. Sometimes insurance companies can misunderstand what you mean and that can also result in a denial of your claim.
#5 Estimating Your Claim
Before you settle your insurance claim it is important to get an idea of what your damages are and how much it will cost to repair. Never assume that what the insurance company is offering to settle your claim is enough to make your repairs.
Hiring a public adjuster can prevent the insurance company from undervaluing and underpaying your damages.
Do You Need a Public Adjuster in Broward County?
If you recently experienced property damage and don’t know what to do, hire a Public Adjuster.
At Reliant Insurance Adjusters, we offer affordable and honest service and never stop working on your claim until you are satisfied with the settlement of claim. Our adjusters have the knowledge and experience to assist you throughout the entire process. Give us a call to learn more.
Insurance providers are for-profit organizations, which means they often look after their bottom line. That doesn’t mean they are out to get you, it just means that they may not do as thorough of a job as you would anticipate, especially when you file an insurance claim.
It may even surprise you when your agent suggests that you shouldn’t file a claim. In some instances, this can be in your best interest if the property damage is less than your policy’s deductible. In a case like that, if you were to file a claim, it could negatively impact your premium and future insurance eligibility.
But that is not always the case.
Why Should You Consult An Insurance Adjuster
Last year, I received a call from an individual whose insurance agent told her not to file a claim because her damage was less than her deductible. While that would make sense, the numbers weren’t adding up.
After a few questions, I came to learn that her insurance agent did not visit her property to see the damage, rather, it had only been relayed over the phone.
Though it is not common practice for your agent to visit the property, the agent should not have told her to not file a claim because it is practically impossible to get a true assessment of the damages without seeing everything in person.
As a professional insurance adjuster, I asked a series of questions and remained unassuming throughout our entire conversation to determine what had happened to this individual’s property and better understand her loss and the property’s damages.
Her deductible was set at $2,500, and during my inspection of her property it was clear that her claim was not less than her deductible.
Hiring A Licensed Insurance Professional
A licensed insurance professional, such as a public adjuster, can provide you with a more accurate understanding of your property damage, which can help you in determining if you should file a claim or not.
At Reliant Insurance Adjusters, we always ask questions, get as many details as possible, conduct an inspection of the property, and review your insurance policy in depth.
There are some instances when there is minimal damage to one’s property and the repairs can fall below your deductible. In some cases like these, a claim should not be filed, and we will make sure you understand your next steps. But in most cases, we will help you get your claim filed and guide you through the entire process.
We are always here to help protect policyholders and answer your questions. We also provide free insurance policy and claim reviews! Contact us today to learn more.
How to Protect Your Home from Fire
You certainly hope that you never experience a fire in your lifetime and the odds may not be in your favor. According to the NFPA Fire Analysis and Research Division, American households experience at least one home fire every 15 years. Although most of these incidents are considered minor and are usually not reported. One in every five fires may require a call to a local fire department. If your home experienced a fire, you should get in touch with a public adjuster in Port St. Lucie.
Protecting Your Home from Fires 101
Cook with Caution
Never leave the room or become easily distracted while you’re frying, broiling or grilling food. Although cooking takes time, being patient and attentive to what you’re doing is important and could help avoid an unfortunate situation.
This recently happened to our client while she was cooking dinner. She was distracted and left the room while she was cooking and before she knew it, her cabinets caught fire. It is best to avoid circumstances like this, or there is a high probability that your kitchen can catch fire. It is also important to stay close to your kitchen whenever you’re boiling, roasting or baking, and if you ever have to leave the house unexpectedly, always remember to turn off the oven or stove.
Keep Lighters and Matches In Safe Places
Never leave matches and lighters in drawers, or worse, on the table where your children can easily access them. Instead, hide them and place them in cabinets that your children cannot reach and make sure everyone is informed about this household rule.
Check All Electric Cords
Regularly check on all the electric cords in your house, especially those attached to your cooking appliances. Also, don’t forget to check the extension wires in the garage. When a cable looks damaged or cracked or and you see a broken plug, replace it as soon as possible.
Don’t Light Candles
If possible, invest in emergency lights. Don’t use candles when the electricity is out because there is a tendency that you may forget about them. If you ever need to use a candle, place it at least one foot away from anything that is flammable like your furniture or window treatments.
Avoid Crowding Space Heaters
Space heaters are designed to have plenty of space around them regardless if they are portable or fixed. Place your space heater at least three feet away from anything flammable including electronic equipment. Additionally, it is best to turn off your space heater when you go to sleep.
Make Sure You Have Insurance
It is important to protect your property and make sure you have a fire insurance policy. Fire insurance is a type of property insurance that offers coverage for damage or loss to your property caused by fire. In the event you do have to file an insurance claim due to fire or smoke damage, the insurance company will either pay you on a replacement cost basis or actual cash value of the damages.
If you experience fire or smoke damage to your property and you have fire insurance, it is important to hire a public adjuster. A public adjuster will fully document your loss and prepare the required documentation to submit to your insurance company. This will help obtain the claim settlement you are entitled to for the damages sustained.
Are You Looking for a Public Adjuster in Port St. Lucie?
If you need assistance to file a claim for property damage caused by fire, you can count on us!
At Reliant Insurance Adjusters, we have your best interest at heart. We treat your property damage as if it were our own.
Although other companies may offer the same services we do, we strive to give you nothing but the best service by providing you with our knowledge, experience and resources to get the highest possible settlement for your claim. Give us a call to learn more about what we do.