Dealing with a public insurance adjuster is different than dealing with an independent adjuster in South Florida. An independent adjuster, is a third party who works for the insurance company. A public adjuster will make sure to review your insurance coverage and assist you with reporting your claim properly. Oftentimes, we receive calls about property damage and the property owner uses the wrong terminology while explaining their damage. This can be detrimental to your claim if you do not report your loss or explain the damage correctly, and your claim could be denied.
The same cannot be said with an independent adjuster. The difference is that an independent adjuster works for and represents the insurance company, not you. We are sometimes referred to as independent adjusters, however our true title is public insurance adjuster.
Therefore, if you have any issues with property damage and mold, you should seek help and assistance from an independent public adjuster to handle your claim. If your claim gets denied, you could be throwing thousands of dollars out the window. What do you need to know about mold claims, and why do some claims get denied?
Why Was Your Mold Claim Denied?
When Does an Insurance Company Cover Mold Damage?
Mold remediation is covered if it results from a covered peril in your insurance policy. For example, if your pipe breaks and causes water damage to your property that results in the presence of mold growth, then yes, you can file an insurance claim. Additionally, your insurance policy should also cover the ensuing damage and repairs to your property, as long as it is not excluded in the policy.
If your insurance policy includes accidental water damage, it should also cover mold damage providing it is not excluded in your policy. As long as you can prove that the mold growth was a result of the water damage, you will avoid getting a claim denial.
Some examples of covered perils are a leaking hot water heater that resulted in mold growth in your walls and a malfunctioning washing machine that caused moisture to penetrate your floors and possibly produce mold.
However, it is essential to mention that not all policies are the same. So, before you invest your time and effort filing an insurance claim, make sure you have thoroughly read and understand your policy. Insurance policies are confusing at best because they provide coverage, then remove or exclude the coverage in a different portion of the policy, then can replace the coverage with different language and coverage. An independent adjuster will review your policy and explain the coverage so you should get help to make sure you are covered for your loss.
What Are the Reasons Why Insurance Claims Get Denied?
Not all insurance policies include mold coverage. So, the first thing you should do is review your policy and see if it is included. Then, you should seek assistance and guidance from an independent adjuster.
Usually, insurance companies deny claims if there is sufficient evidence proving that the mold infestation resulted from poor maintenance, long term damage or neglect. An example is if you have a plumbing problem and you wait too long to get it fixed and the leak continues for a period of time.
Do You Need to Talk to an Expert Independent Adjuster in South Florida?
Dealing with water and mold damage is stressful, but what is more stressful is receiving a claim denial. Hiring an independent adjuster will relieve you of much stress and they will assist you every step of the way.
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 and experience so that you can get the highest possible claim settlement. Give us a call to learn more about what we do.
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.
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.
Should I Get Flood Insurance?
Do I need flood insurance? If you ask your independent adjuster in Boca Raton, the answer would be yes. This is something that you need to take seriously because floodwaters can cause severe damage to your property if you don’t have an insurance policy to protect you, you’re looking into thousands of dollars’ worth of repair.
Regrets always come last. This is a quote that hundreds of homeowners can relate to after they experienced property damage due to flooding. Some U.S. homeowners who live in flood zone areas are required by the Federal Emergency Management Agency (FEMA) to purchase flood insurance, but even those who live in low risk areas can still experience flooding.
Surveys reveal that homeowners who weren’t required to purchase flood insurance didn’t bother to invest in these insurances. Unfortunately, some experience hurricane floods in their area and inevitably felt the emotional and financial devastation after learning how much they’ll need to spend on repairs. If you think about it, flood insurances are your safety net. You may not see its value now, but if it happens to you, you’ll be grateful for investing.
Why Should You Get Flood Insurance?
Flood Insurance is Affordable
One of the reasons why homeowners are discouraged from getting flood insurance is because of the price. Little do they know, insurances for areas that aren’t prone to flooding are extremely affordable.
If your home insurance policy does not include flooding damage, we recommend you add it to your policy whether or not you’re required to get it. Areas that are not considered high-risk can benefit from the affordability of the insurance policies. The rate varies depending on the value of your home and how close or how far it is to a flood plain.
Properties Outside Flood-Prone Areas Aren’t Guaranteed Safe
Certain places are notoriously prone to flooding. If where you currently live has a low flood risk, don’t be too confident. Keep in mind that flood zones are only determined because of past records, but it cannot necessarily predict future conditions.
It’s quite surprising that more than 20% of claims are those that are found outside flood zone areas. You can ask for help from an independent adjuster to find you an affordable flood insurance policy.
Flood Damage Can Be Devastating
If you saw news of homes becoming essentially ruined because of flooding, you know how devastating and catastrophic they can be. If this happens to you and you don’t have flood insurance, your expenses can skyrocket. Paying for a flood insurance policy is nothing compared to the amount you’ll need to shell out to restore your property. The loss can be catastrophic.
Are You Looking for an Independent Adjuster in Boca Raton?
If you are having problems with insurance claims, we can help you. At Reliant Insurance Adjusters, we consider your property like our own. We offer professionalism and dedication unlike any other. We have the resources, knowledge, and experience to get you the best settlement for your claim. For questions, send your inquiry here.