Are You Covered For Damage That Happens Over A Period of Time?

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.