If you own a home or commercial property, you will be required to have an insurance policy. But should you shop for an insurance policy based on the policy’s price … or the insurance coverage itself?
Oftentimes, insurance policies are an added expense, and individuals will try to cut corners by focusing on price rather than coverage. This is not necessarily the best way to shop for insurance because having quality coverage when you need it most is the primary reason to purchase an insurance policy.
When an accident occurs, the aftermath (repairs, personal injury coverage, etc.) usually exceeds the average deductible cost, while other times, the damages can cost less and may not even be worth filing a claim.
If you pay a low premium for your policy, you will likely have inadequate coverage, and you can wind up paying exponentially more when an unexpected accident or disaster occurs. However, it is possible to shop for insurance based on the policy coverage while remaining within your budget.
Shopping For Insurance Coverage
As you shop around for an insurance policy, you may be eligible for more comprehensive coverage than you anticipated.
When shopping for insurance coverage, rather than price, you should consider how much and the type of coverage you will actually need for full financial protection of your property. This can be done by assessing potential worst-case scenarios and the value of your property and belongings. For instance, if a fire occurred and caused damage to your property, what would the cost be to rebuild your property? The same holds true for water damage which can also result in large amounts to rebuild. What if cabinetry, closets, flooring and walls are damaged? This is very important to think about so you can secure the proper insurance coverage.
In order to respect your budget while focusing on coverage, consider your premium and deductible costs. A lower premium may look great at first, but it is often paired with a higher deductible, which could mean sticker shock, when it gets deducted from your insurance claim payment in the event of an insured loss. You are still responsible to make up that difference in your repair process.
Review Your Policy & Shop For Insurance Coverage
The insurance policy you choose should be based on the type of coverage you will need when you need it most. Take a moment to review your policy, either on your own or with a qualified professional. Our team at Reliant Insurance Adjusters offers a free review of your insurance policy. We can help you make sure that you do not have lower than expected policy limits, or exclusions, and determine if you may need to increase your coverage or shop for a new policy.
If possible, try to shop based on the insurance coverage rather than settling for the lowest premium possible. There are several insurance discounts and policy options available to meet a variety of budgets and coverage needs.
At Reliant Insurance Adjusters, we have seen numerous scenarios where people have selected insurance coverage based on a low premium, and when it comes time to file a claim, they have to face the reality of low policy limits, high deductibles, or no coverage at all.
If you have filed a claim and need an experienced insurance adjuster on your side, we can help. Contact us today for more information or an extensive policy review.
Dealing with insurance companies when you have property damage is not a walk in the park. Their terminology can be confusing, how they calculate your claim can be overwhelming, and the investigations needed to acquire a fair settlement can be complex. Dealing with all these on your own can cause a great deal of unnecessary stress. If the claim process becomes too much for you, you can always seek help and assistance from an insurance adjuster in Boca Raton.
Sometimes it’s more practical to hire an expert on these matters, especially if you don’t have the experience, energy, and time to handle your claim. When choosing an insurance adjuster, make sure you find one with the following qualities:
Qualities Every Insurance Adjuster Must Have
Honesty is one of the most important characteristics of an insurance adjuster. Your insurance adjuster must be unbiased and fair when reviewing your claim and properly document every detail of your damage, and should request the insurance company to provide coverage for your claim. How will you know if an independent adjuster is honest or not?
What you need to do is research them. Read their reviews and what prior clients are saying about the company. You can also check social media platforms for additional comments and reviews before you decide to hire them. Relying on recommendations and referrals from people you trust can also help.
Good Communication Skills
Communication is paramount when you are working on an insurance claim. Remember, there are many people involved in the process, and you will be communicating with them regularly until your claim is settled.
Having good communication skills is essential so that priorities will be set in place, the claims investigation can be completed fast, and the insurance company will be able to process your claim. Trust me, dealing with someone who cannot communicate well is frustrating and is a real headache to deal with.
Manages Time Well
If your insurance adjuster is organized, you are in good hands because they can manage their time well. A good insurance adjuster will work efficiently and prepare to send all the necessary documents to your insurance company in a timely manner so you can get a quick and fair settlement for your claim.
Have You Found the Right Insurance Adjuster in Boca Raton?
If you are looking for an insurance adjuster who is honest, can communicate, and manage their time well, you’ve come to the right place.
At Reliant Insurance Adjusters, we have been in the industry long enough to give you honest, reliable, and good quality service. Our reputation speaks for itself. We have your best interest at heart, which is probably the reason why our clients love us and would gladly refer us to their friends and family.
Although many companies offer the same services as we do, we strive to give you nothing but the best service by offering our knowledge, resources, and experience so that you can get the highest possible settlement for your claim. Give us a call to get started.
Is there a limit on your water damage coverage? Does your policy even cover water damage to your property?
Not every insurance policy covers water damage, and if yours does, the coverage may not cover the full extent of the damage. This type of coverage for your property is dependent on the cause.
For example, internal water damage, such as wet drywall or damage to your flooring as a result from a ruptured water heater or bust pipe is often covered. However, if the water damage resulted from poor maintenance or a flood, then your property may not be covered under your insurance policy.
Determining the root cause of water damage and whether your policy covers it as well as understanding if there is a limit on that coverage can be challenging.
The Types of Applicable Water Damage Coverage
Dwelling coverage and personal property coverage are two common types of insurance coverage that may cover water damage claims. Dwelling coverage helps to pay for structural property damage, whereas personal property coverage helps to pay for personal belongings, such as furniture, that were damaged.
Whether you have one or both types of water damage coverages in your insurance policy, your insurance company may not cover as much of your damages as you may have hoped.
Is There A Limit On Insurance Water Damage Coverage?
Many individuals might think their insurance company would cover the full extent of water damage costs. All too often, after the insurance adjuster shows up to assess the damage, your insurance company informs you that your policy has a limit of $10,000, for example, but the total damages are a tens of thousands upwards of that.
In fact, several insurers are even beginning to exclude water damage coverage entirely for properties that are older than 40 years, or they have altered their policies’ verbiage to cover only a small percentage of the loss and give very specific time parameters for filing a claim. But you may still be given the option to pay an additional premium to include limited water damage coverage in your policy.
If you have original or older plumbing, your insurance company may exclude water damage coverage from your insurance policy and may even request that you replace cast iron pipes with PVC pipes in order for them to consider insuring future potential water damage claims.
Reading through your insurance policy is important in order to understand the full extent of your water damage coverage. Contact Reliant Insurance Adjusters to learn more about how we can help you, should you need to file a water damage claim, or any property damage claim, with your insurance provider.
Should you be worried about mold in your home? The answer is yes. Mold not only causes damage to your property but also puts your health at risk. If you are planning to file a property damage claim, we suggest you hire a public adjuster in West Palm Beach to guide you.
Having mold in your home is stressful enough. When you add the complexities of processing your insurance claim, you will likely reach your breaking point. Filing an insurance claim is not always a smooth process, and there is always a possibility that you will encounter hurdles along the way.
We have compiled some helpful tips to ensure that your journey toward dealing with your claim is smooth and stress-free.
Secrets for a Smooth Process
Consider Mold Infestation as a Serious Matter
Did you know that mold infestation can have serious health consequences? Mold thrives in dark, cold, and moist environments. If you don’t know how to spot mold, it will grow and can eventually wreak havoc on your property.
Studies show that people who are constantly exposed to mold can develop respiratory infections, allergies, asthma, diarrhea, vomiting, nose bleeds, and more.
Call Your Public Adjuster as Soon as You Suspect Mold
The first thing you should do when you discover mold, whether in your home or commercial property, is to call a public adjuster. A public adjuster is someone who advocates for you, the policyholder, and we handle your insurance claim to ensure the best possible claim settlement. Public adjusters do not work for insurance companies; we work for you and prepare all the necessary claim documentation your insurance company requires.
Read and Review Your Policy
You should always have a copy of your insurance policy on hand, whether in print form or digital format. If you do not have the complete policy, you may request it from your insurance company.
It is important to understand what your policy covers and excludes, and make sure you read your declarations page. This is the page that shows the extent of your policy coverage as well as the effective dates of your policy.
Often, you are far too busy to review your insurance policy or even try to understand what it means. Insurance policies are confusing at best. Although it is your responsibility as a property owner to know your coverage, you may want to pass this on to a public adjuster. Your public adjuster should always explain the details of your policy and discuss what is covered, limited, and excluded.
Are You Looking for a Public Adjuster in West Palm Beach?
If your house has mold, don’t attempt to remove it yourself. Call your public adjuster, discuss your current situation and see if you have a covered insurance claim. If you do, then we can assist with filing your insurance claim and following the protocols in your policy. Once those are complied with, you can then have the mold professionally removed.
At Reliant Insurance Adjusters, we have your best interest at heart. We strive to give you nothing but the best service by offering our 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.
Mold infestation is a serious matter and should not be taken lightly. Statistics show that more than fifty percent of households in America are contaminated with mold. Mold thrives in a high moisture and wet environment. If your property has been damaged by mold, you should get in touch with a public adjuster in Boca Raton to learn about your options.
There are many forms of mold and some are toxic which can turn your beautiful home into a danger zone. Did you know that certain types of mold are considered a health hazard? It’s safe to say mold is powerful enough to destroy your property and create health problems. So, don’t wait any longer before you start taking action.
Handling Mold Infestation in Your Home
What is Mold and Why Is It Bad?
Mold is a kind of fungus that can grow inside or outside your home. What makes mold dangerous is when it begins releasing mold spores. Although they can grow anywhere, they are particularly attracted to moisture. Therefore, mold growth is common in showers, refrigerators, and homes that have been damaged by water and floods.
There are two reasons why you should be worried about mold infestation.
1. When it starts growing it could destroy your prized possessions and cause irreversible damage.
2. It releases hazardous spores into the air that can make you and your family sick.
The most common type of mold is Stachybotrys Chartarum aka black mold.
Is My Home Contaminated by Mold?
Mold thrives in dark and moist environments. Homes that are situated in flood-prone zones and houses that incurred water damage as a result of plumbing problems are most susceptible to mold growth. How are you going to know if your property has mold?
One of the indications of mold contamination is when the occupants develop symptoms of respiratory problems.
What to Do If Your Home is Infested by Mold
If mold is present in your home the first thing you should do is avoid the areas that are contaminated. When you are constantly exposed to mold you will likely experience health problems.
Some of the symptoms to look out for include eye irritation, runny nose, nasal congestion, sneezing, sore throat, coughing, skin rash, wheezing, headache, and lung irritation. You should consult with a doctor if you experience any of these symptoms. The next step is to repair the source causing the mold. Once that is completed, you must rid your property of mold by calling a reputable and professional mold remediation company. Due to its toxicity, you should never remove mold yourself.
If the damage to your property caused by mold is extensive, you should talk to a public adjuster so you both can review your insurance policy to check if the damage is covered and if you should file an insurance claim.
Are You Looking for a Public Adjuster in Boca Raton?
Mold infestation can be difficult to detect but if you and your family are always getting sick with the symptoms associated with mold growth then you need to take action fast. Call the necessary professionals needed to restore your health and your property.
At Reliant Insurance Adjusters, we care for you, your family, and your property. We consider your property damage as if it were our own. While it’s true that many companies offer the same services as we do, we are proud to be different because we offer you the best of our resources and knowledge so you can get the best deals for your claim. Give us a call to know more about our offers.
Depending on the type of material your roof is made of (tile, shingle, metal, etc.), the length of time you’ve had it, and the wear and tear it has gone through, roof replacement may be necessary.
Roof maintenance and replacement are a routine part of property ownership. However, sometimes, severe weather patterns such as hail and hurricane force winds, can cause the need to replace your roof at a moment's notice. This can be costly when you have not planned or saved for it.
While insurance policies are relatively specific regarding roof damage and when they will replace or repair the damages, you may have a separate hurricane deductible, which is typically higher than your All Peril deductible.
The age of a roof is a strong indicator of how well a roof will withstand ongoing wear and tear—including hurricane force winds. That coupled with recent legislation (Senate Bill 76) passed by the Florida senate, is leading the discussion in regards to how insurance companies are now forcing roof replacement if your roof has reached its peak, or a certain age.
Does This Mean That Your Insurer Can Force You To Replace Your Roof?
Insurance companies are for profit businesses, and they evaluate and calculate the financial risk covering your property poses to them. Your insurance company can ask you to replace your roof and may threaten to cancel your insurance policy if you do not.
As you know, we are in hurricane season. If Florida sustains a hurricane this year and your roof is damaged, the insurance company may only offer to pay for a fraction of your total roof replacement cost and may state there was prior damage to your roof.
That is where our services are most important. Not only are we licensed public insurance adjusters who are licensed and bonded to legally represent an insurance claim, we also offer Pre-Loss Property Inspections to document and show the condition of your property prior to a loss. With our state of the art drone technology, we document the condition of your roof and provide photos and/or video documentation of the interior and exterior of your property. Don’t miss out on our reduced pricing for hurricane season!
The bottom line is that no insurance company can force you to replace your roof. However, they can choose to cancel your policy or deny your roof replacement claim, should you choose to not replace your roof.
Like many bills, the Florida Insurance Reform Bill has a long list of pros and cons, one of which being that it still requires full replacement of roofs under 10 years old. And for older roofs, companies will be allowed to charge lower premiums but cover less when the roof is damaged, based on what the roof is currently worth.
How To Proceed With A Roof Claim?
Most insurance policies will include clauses stating that the property owner is responsible for routine maintenance, such as gutter or window repairs. If you have, or need to file a claim for your roof, you should contact a public insurance adjuster to help you settle your claim efficiently and effectively.
At Reliant Insurance Adjusters, we treat every client’s claim as if it were our own and are dedicated to providing you with the professionalism, experience, knowledge and resources to get you the highest possible settlement for your claim.
Dealing with property damage can be overwhelming and, not to mention, stressful. Repairing damage can cost you a lot of money, which is why you need to review your policies and ensure you invested in property damage insurance. Reviewing your insurance policy can be taxing, especially if there are terms you don’t understand. Lucky for you, an independent adjuster in Palm Beach County can help simplify a complex process and get you a good settlement for your claim.
What are the Advantages of Hiring a Public Insurance Adjuster?
Gain Understanding of Your Policy
Do you know how many people are fond of reading manuals and insurance policies? None. That’s because reading complicated documents aren’t fun at all, and they are definitely not intended to be entertaining.
However, when you are faced with property damage, you have to review your insurance policy so you can get the most out of it. Insurance policies are confusing and many times hard to understand because in one part of the policy there is coverage, then the coverage can be changed or removed in a different part of the policy. Call today and ask for help from an independent adjuster.
An independent adjuster will help you understand what’s written in your policy and explain it to you in simple terms. Knowing and understanding your policy will help you submit a proper claim to your insurance company.
Going over your insurance policy and preparing an insurance claim is very time-consuming, especially if you have never done it before. Whether it’s a hurricane, wind, smoke, fire, water, or mold damage, your public adjuster can help you.
A public adjuster’s job is to make sure you spend less time and energy dealing with your claim and spend more time being productive. We will handle everything on your behalf, and the best part – we work very efficiently to save you time!
Get Your Claim Submitted Faster
You’ll be surprised to know that processing insurance claims can be a lot harder than it looks. It’s a complicated and time-consuming process and it doesn’t always end up in your favor. There will be plenty of paperwork involved to resolve your property damage claim and this can affect your work and other prior commitments.
Our public adjusters are well versed when it comes to gathering information and preparing documents for insurance claim. We have the knowledge, expertise, and processes in place to get your claim resolved faster.
We also speak the common language of insurance and will communicate with your insurance company regularly.
Are You Looking for an Independent Adjuster in Palm Beach County?
If you’ve recently experienced property damage, have been underpaid or denied on your insurance claim, your best move is to seek the assistance of an independent adjuster in Palm Beach County. We understand the stress that comes with having to handle your own insurance claim and our team takes that stress off your shoulders.
At Reliant Insurance Adjusters, we have your best interest at heart. We treat every property damage as if it were our own. Even though a lot of companies offer the same services as we do, what makes us different is we strive to give you nothing but the best service by offering our knowledge, resources, and experience so that you can get the best possible settlement for your claim. Give us a call to know more about what we do.
Is there a chance your water damage claim can get denied? As horrifying as it seems, yes. Unfortunately, there are instances when property damage claims get denied. How can this be avoided? When your home or business is damaged due to a water leak, the first thing you should do is seek help from a public adjuster in Broward County.
A public adjuster will guide and assist you to ensure that your insurance company acknowledges your claim. We use state-of-the-art tools and equipment to identify and establish the cause of the damage.
The evidence and documentation presented to your insurance company by a public adjuster will help you get a good claim settlement.
Why Do Water Damage Claims Get Denied?
Lack of Understanding
One of the biggest factors for insurance claims getting denied is when a home or business owner does not understand the coverage in their insurance policy. One example is a hurricane. Do you know that some water damage caused by a hurricane may not be covered by insurance?
Before you report your insurance claim, make sure you have thoroughly read your insurance policy. If there are terms and conditions you do not understand, you should ask a public adjuster for help.
Failure to Maintain Your Property
Another reason why an insurance claim can get denied is failing to maintain your home or business. For example, if your claim is due to a roof leak, the insurance company can deny coverage if you did not repair your roof and let it leak continuously. In some insurance policies, the damage caused from a roof leak is not always covered unless the damage to your roof is caused by a covered peril in your policy. For example a hurricane, wind, lightening and hail.
Insurance policies cover sudden and accidental damage, not continuous damage over a period of time. If you are diligent and try to stop the damage immediately, you are protecting your property from further damage. However, if you do not stop the damage and it continues for a period of time, the insurance company can deny your claim.
When You Use The Wrong Terminology
When you report an insurance claim it is important to know what is causing the damage. Is the damage a plumbing leak, air conditioning leak or from some other source? When you call your insurance and you use the wrong terminology to describe your damage, your claim can be incorrectly classified which may lead to claim denial. It is important to hire a public adjuster to handle your insurance claim to facilitate the claim process and prepare and submit the required documentation.
How to Get Your Claim Approved
Aside from hiring a reliable public adjuster, there are other ways to increase the chances of having your water damage claim approved. Review your insurance policy every year and ask questions to get clarification on coverage.
If you are underinsured or do not have the correct coverage for your property, you can increase policy limits and add coverage. If you have ever experienced flooding in the past, you know it is important to have flood insurance coverage.
Flood insurance is not the same as water damage, so review your insurance policies and make sure your property is sufficiently insured. Finally, it is important to maintain and check your home and property for leaks while making sure the necessary repairs are completed.
Are You Looking for a Public Adjuster in Broward County?
If you need help with your insurance claim or want to make sure you were paid adequately to cover your property damage, you have come to the right place.
At Reliant Insurance Adjusters, we will make sure that your insurance claim gets covered. We have your best interest at heart and that is what makes us special and sets us apart from others. We treat every property damage claim as if it were our own. Give us a call to get a free consultation.
At first glance, nearly every strain of mold looks the same, which makes identifying toxic and non-toxic mold in your home challenging.
Though mold, toxic or otherwise, rarely crosses your mind on a regular basis, there are several signs that can indicate its presence in your home. Mold can begin growing in as little as 1-2 days and is generally not easy to spot until it has spread or you start to experience related health issues.
Black mold produces mycotoxins and is the most common strain of toxic mold. If you are subject to prolonged exposure to this type of mold, it can lead to more serious health issues.
Mold is not always covered by insurance. It must be caused by something that is covered under your insurance policy so, before your rush to file an insurance claim, you should have your policy and coverages reviewed by a licensed public insurance adjuster.
3 Simple Signs to Identify Toxic & Non-Toxic Mold in Your Property
Here are several signs to help you determine if you have either type of mold in your home, and which type it may be. However, sometimes it is difficult to determine without the proper testing by a professional testing company.
#1: Something smells off
Something in your home smells quite musty and it is not the laundry basket. Unfortunately, this could be an indicator of either type of mold growth and may pose a health risk.
#2: It is growing plain as day
One of the more common ways people discover mold is when it becomes visible. Toxic mold typically grows in hidden, dark, and damp spaces, however, it can also grow in open areas like on your ceiling or walls. It may not be a toxic strain, but you should still proceed with and have it properly tested so you know what type of mold it is.
#3: You aren’t feeling so well lately
Toxic mold can lead to severe health problems, especially related to your respiratory system. Some symptoms of toxic mold exposure parallel common allergy symptoms, such as:
● Rashes, hives, and itching
● Shortness of breath
● Sinus congestion
● Memory loss
Toxic and non-toxic mold growth can both result in additional damages to your home and cause problems with your health. If you notice or suspect mold growth, it is important to have it professionally tested and remediated.
Contact Reliant Insurance Adjusters should you have any questions. We will help you every step of the way with your mold damage insurance claim.
Your home is supposed to be dry except for your bathroom, but sometimes things just happen. Suppose you get heavy rain, water from your roof made its way into your home and damaged your walls and flooring. In the same week, you come home after work and discover pools of water from outside that caused a flood inside your property. This is your cue to call an independent adjuster in West Palm Beach to inspect your house.
After studying the damage, your public adjuster may say your flood insurance only covers the damage caused by the flood and not the water damage to your home caused by the heavy rain.
This can sound confusing. Flood damage and water damage insurance policies are not the same because flood damage is not recognized as water damage. Let’s talk about the differences between the two.
Flood Damage Versus Water Damage
Flood is defined by the National Flood Insurance Program as:
A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties, at least one is the property of the policyholder from:
Typically, homeowners insurance will only cover water damage. However, we suggest that you review your insurance policy and study the kind of water damage it covers. If there’s terminology you don’t understand, you should consult with a public adjuster for assistance.
Generally, water damage is different from flood damage because it happens before water touches the ground. An example of this is a strong rainstorm that penetrates through your roof causing damage to your walls and your floors.
Another example of water damage is when your plumbing pipes on your second-floor burst and water gets absorbed in your ceiling. Maybe an overflowing toilet soaks the floorboards of your bathroom or you encounter a hailstorm that breaks through your windows causing water to get inside your home.
The Main Difference Between Flood and Water Damage Claim
Ultimately, you can think of it this way: the difference between the two is that flood water originates from a natural source and when two or more properties are affected. This means it’s not just your home that experienced the flooding, but your neighbors’ properties as well, as a result of rising waters or heavy rains. In such a case, you can file a flood insurance claim.
However, if you are experiencing water problems exclusively to your home and your neighbors’ homes are safe, then you’re going to need to submit a water damage claim.
Are You Looking for a Reliable Independent Adjuster in West Palm Beach?
Dealing with either flood or water damage can be scary, but you can make the experience less stressful if you ask for help from an independent adjuster.
At Reliant Insurance Adjusters, we have your best interest at heart. We will treat your property damage as if it were our own. While it’s true that many companies offer the same services as we do, we strive to give you nothing but the best service by offering our knowledge, resources, and experience so that you can get the best settlement for your claim. Give us a call to know more about what we do.