We have seen it happen one too many times. Property owners were calling public adjusters in Palm Beach County asking for help because their water damage claim was denied, and are hoping that a public adjuster can find a way to remedy the problem. Not every insurance claim needs the help of a public adjuster, however, many of them do and handling an insurance claim can be tedious and time consuming. You should contact an experienced public adjuster who will inspect your damage, review your insurance policy and discuss whether or not you should file a claim. In many cases, policyholders who did not seek the professional help of a public adjuster wound up with underpaid or denied claims.
One of the reasons why property owners may not think to call a public adjuster at first is panic. You come home, see water everywhere and are not sure what to do or where the water is coming from. The next thing you know, you are attempting to clean a mess yet forgetting to document your damage. Dealing with insurance claims is complicated because you must protect property, yet you need to be careful not discard the evidence before the insurance company has inspected the damage.
How to Get Your Insurance Company to Pay for Water Damage
Step 1: Identify the Source of the Leak
The first thing you should do is shut the water main valve to stop the water from causing any further damage. If you are not sure how to do this, a quick Google search will help you. To do that, you need to trace where the leak is coming from. It also may be wise if you invest in automatic shutoff valves or a water leak detection system, especially if you have already experienced a leak.
Step 2: Check Your Insurance Policy
Surveys show that there are more water damage claims filed in the US than claims for hurricanes and fires. Water damage is not uncommon, which is why many insurance companies offer limited water damage coverage. They determine this by the age of your home or how many water damage claims you have filed.
Most water damage is covered when it is sudden and accidental, not ongoing for a period of time. If you have not properly maintained your home, changes are your claim will be denied. Depending on your insurance policy, depends on the type and amount of coverage you will have.
Step 3: Find An Experienced Public Adjuster
It is always important to have a public adjuster represent your interests and help determine if your claim is covered under your policy. Today, with all the erosion of coverage in our policies, it is more important than ever to have professional help. This is why you need a public adjuster on your side. The insurance company has insurance adjusters to represent their interests, you should have a public adjuster to represent yours.
A public adjuster will evaluate the damage and review your insurance policy. If you have a covered loss, they will preserve the evidence, photograph the damage and prepare a detailed estimate of your damage to submit to your insurance company. They will communicate with your insurance company, be present for all inspections and should always communicate with you during the claim process.
Are You Looking for Public Adjusters in Palm Beach County You Can Trust?
At Reliant Insurance Adjusters, we have your best interests at heart. We will guide you every step of the way and will never settle your claim without your approval. While other companies may offer similar services, we guarantee to provide you with our knowledge and experience and give you the best service. We offer additional services. Give us a call to learn more about how we can help you.
Leave a Reply.