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.
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Part of being a property owner is paying insurance premiums. Investing in insurance is a smart move because you’re managing your risk. However, dealing with insurance claims can be stressful, which is why we recommend you hire a public adjuster in Port St. Lucie.
Some of the responsibilities of a public insurance adjuster is to protect your interest in your claim, properly document your damages, help prepare and submit the required documentation for your insurance claim and communicate directly with the insurance company on your behalf. Why Was My Insurance Claim Denied and What Can I Do About It? How Does Insurance Work? When you pay your insurance premiums, you do so with the hope that if you sustain damage to your property as a result of a hurricane, broken pipe, fire or flood, that the insurance company will cover your repairs and pay your claim. However, you will only receive payment for your insurance claim if coverage is accepted. Unfortunately, not all claims are approved and sometimes they are denied. In such a case, you will need the help of a public insurance adjuster. Why Was My Insurance Denied? Nothing is more painful than paying years of insurance premiums only to receive a claim denial at a time when you need financial assistance the most. When you purchase your insurance policy, it is a binding insurance contract between you and your insurance company. So, it is only normal to feel that contract is a guarantee of financial help when you have sustained damage to your property. However, filing an insurance claim does not always mean you will receive an insurance payout. There are numerous instances where the insurance company may refuse to pay your claim and deny coverage. Property insurance claims that are commonly denied:
To increase your chances of getting your claim covered, you may want to consider hiring an independent adjuster. Independent adjusters will help guide you so that you can receive a proper claim settlement. Are You Looking for a Reliable Public Adjuster in Port St. Lucie? If you’re looking for an independent adjuster you can trust, we’ve got you covered. At Reliant Insurance Adjusters, we have your best interest at heart. We understand the stress that comes with filing for claims and our team has the experience and knowledge to guide you every step of the way so you receive the highest possible settlement. We’ve been in the industry for years and we’ve successfully helped countless clients receive the financial help the need from their insurance companies. Give us a call to know more about what we do. 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. 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. Did you recently experience property damage to your home? What are you going to do about it? Most homeowners review their insurance policy to check and to see if the damage is covered. Instead, consider seeking assistance from public adjusters in Palm Beach County. Public insurance adjusters can help you get the best settlement for your insurance claim. Dealing with property damage can be very stressful, especially if you don’t have the time, energy, and knowledge to handle the complexities of filing an insurance claim. The good news is you don’t have to go through it alone. What are the Benefits of Hiring a Public Insurance Adjuster? Explains Your Policy to You in Terms You Can Understand When was the last time someone explained your insurance policy to you? Several years ago? If it was that long, I am sure you don’t remember much of what’s written in the policy and even if you read it now, you will probably have questions about your coverage. Truth be told, reviewing insurance claims can be daunting, and some terms may be hard for you to understand. When you hire public adjusters, they can explain your policy in simple terms, so you will know your options. Knowing your options will help you better understand your insurance claim and coverages. Public Adjusters Save You Time Reading your policy and deciding what to do next can be time-consuming. In fact, processing everything is going to take much of your time, whether the source is wind, smoke, fire, or water damage. You’ll need to set aside an ample amount of time to organize your claim. When you partner with public insurance adjusters, you can get your mind off the problem and focus on more important matters. You can resume your usual activities and leave it to the professionals do their job. Claims Are Resolved Quicker One of the major advantages of having a public insurance adjuster on your side is you get to resolve claims quicker. Most, if not all, homeowners who attempted to handle insurance claims themselves say the process was time-consuming and they did not recover enough to repair their damaged property. Public adjusters have the knowledge, skills, and experience to expedite the process. We have seen similar obstacles, and we know how to overcome them. A public adjuster will use their knowledge to communicate with your insurance company and prepare the required documentation. Works On Your Behalf The wonderful thing about public adjusters is you can feel confident that we have your best interest at heart. We don’t work for the insurance company, we work for you, and want to make sure are fairly compensated for the property damage you sustained. Basically, public adjusters will handle everything involved in your claims, including scheduling of inspections, making phone calls, assisting with the preparation of the requested documents, and submitting them on your behalf to make sure all deadlines are timely met. Do You Want to Learn More About Public Insurance Adjusters in Palm Beach County?
Do you need a public insurance adjuster? At Reliant Insurance Adjusters, we have helped thousands of homeowners who have suffered property damage to obtain a fair settlement. We treat every property damage claim as if it were our own. 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. 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’s 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. Don’ts 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. |
AuthorKaren Schiffmiller Archives
March 2024
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