A house fire can be devastating. Imagine working so hard to pay off your home mortgage only to find your house burn down to the ground. We don’t like to think about it, but this is the reality of many people. If it happens to you, you should know what to do, including finding a public adjuster in Fort Lauderdale.
According to the National Fire Protection Association, around 300 thousand home structures are caught on fire every year, with 11,000 civilian fire injuries and an estimated 7 billion dollars worth of property damage.
The Do’s and Don’ts
Do hire a professional mitigation contractor to cover roofs, windows, and doors to reduce the damage to your home. You should also document everything so that when you discuss it with your public adjuster, it will be easier to trace your policy and identify what’s included in the coverage.
Check the scope of the loss and the type of damage that the fire has done to your home. Moreover, check the quality and quantity of the materials, including labor costs and repairs needed to restore your home back to its previous state.
Create an inventory of the number of damaged items in your home and attach receipts and bills to your documents to justify what’s written in your inventory. It’s also a good idea to hire a contractor and ask for recommendations and estimates.
If all these pieces of information are starting to overwhelm you, do know that you can always count on a public adjuster for assistance, especially if you feel that you are being wrongly treated by your insurance company.
No matter how devastating a house fire is, you should think and act fast. Don’t delay communicating with your insurance company. Let them know about the loss as soon as possible.
It can be tempting to start repairing your home after the unfortunate incident, but we discourage you from doing so. Wait for your public adjuster in Fort Lauderdale to contact your insurance company. It’s ideal that you let them know and agree on the scope of loss.
Avoid throwing away items in your home that have been damaged by the fire. Wait until your public adjuster has inspected the items. House fires can drain you financially, physically, and emotionally, but don’t allow these emotions to overcome you when it comes to deciding on a settlement. Don’t be quick to accept an offer unless you’ve discussed it thoroughly with your public adjuster.
Are You Looking for a Public Adjuster in Fort Lauderdale?
House fires are a pain, but you can get through them and receive fair compensation if you ask for help and assistance. 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 knowledge, resources, and experience so you can get the highest possible settlement for your claim. Give us a call to learn more about what we can do for you.
How do you know if you have a mold problem in your home? When mold is present there’s a good chance you’ll experience a sore, itchy throat, sneezing, coughing, wheezing, difficulty breathing, and irritated skin. Most molds have a strong musty odor, but not all. Molds have different colors and they can range from gray, green, brown, and black. If you suspect that you have a mold infestation in your home and you want to make a mold claim, contact a public adjuster in Broward County for help.
When toxic mold is allowed to thrive, it can cause serious illnesses such as internal organ damage, cancer, and bleeding. Homeowners need to understand that mold growth is more than just an aesthetic issue. Mold will not only destroy your home but will also destroy your health.
Is Mold Detrimental?
What is Mold?
Molds are usually found outside your home. These are organisms that belong to the fungus family. They come in various colors like purple, green, orange, white, and black. Mold grows best in an environment that’s humid, damp, and wet. For mold to grow, water or moisture must be present. The usual places where they show are:
It becomes toxic when mold starts releasing tiny spores into the air. When you have mold in your home, you and your family will be breathing them in daily and this can make everyone in the household sick. If you suspect mold in your home, it would be best if you consult with a public adjuster.
What Are the Different Types of Mold?
Do you know that there are different types of mold? Different mold types can grow in one area and the only way to know the type of mold you have in your home is to have it tested. Regardless of the type, you must get rid of it as soon as possible before it causes major damage to both your health and home.
Cladosporium – This type of mold is green, black, or brown. It grows in both cool and warm places. You will usually find Cladosporium on fabrics, carpets, heating, and cooling ducts, and wood.
Penicillium – This type of mold is yellow, green, or blue and is present in basements, carpets, and insulation where the water damage has occurred.
Aspergillus – This type of mold is gray, white, or green and looks like powder. They thrive in basements, attics, walls, fabric, and even dry food items.
Alternaria – This is a black and white mold that grows on the wallpaper, air conditioners, kitchens, bathrooms, fabric, and near windows.
Aureobasidium – This mold is pink in color peppered with black spots. You’ll commonly find it in grout, caulking, walls, and wood.
How Can Mold Make You Sick?
Mold can compromise your health, especially if you inhale or touch it. People who are constantly exposed to mold suffer from sneezing, coughing, runny nose, eye irritation, sore throat, wheezing, skin rash, lung irritation, and headache. Individuals who have allergies, asthma, COPD or Chronic Obstructive Pulmonary Disorder, cystic fibrosis, and compromised immune system are at higher risk of developing complications.
When to Seek Help From A Public Adjuster in Broward County
Mold removal will only be covered by your insurance company if the source is included in the policy. If the source of the moisture led to mold growth, you will be able to file a mold removal claim as well as repairs for the damage caused by mold.
At Reliant Insurance Adjusters, we treat your property as if it was our own. Our company is dedicated to providing you with the best possible settlement of your claim. Over the years, we’ve received heartwarming feedback from our clients and have seen a growth in client referrals year after year. Get in touch with us to learn more about what we can offer.