As public adjusters in Boca Raton, we work with both commercial and residential policyholders to help them receive the right claim settlements for their property damage. This means filing an insurance claim after damage has occurred, but we also provide a service where we document the condition of your property before damage occurs.
Insurance companies ask commercial property owners for all kinds of information once a claim has been filed. Given the fact that it can be difficult or sometimes impossible to get this information, pre-loss inspections can be vital for getting your claim approved when the insurance company asserts the damage is pre-existing to the loss date or that the damage has been going on over a period of time.
What Is a Pre-Loss Inspection?
A pre-loss inspection is designed to provide you with a photo report and/or videos showcasing the current condition of your property. The methods we use for taking this documentation will vary depending on your needs.
In most cases, we take extensive photos of the interior and exterior of your property together with a drone video of your roof. In other cases, a drone video of just the exterior of the property and roof, or just interior photos of the property is sufficient. Either way, if you ever need to file an insurance claim, the goal is to prove there is no pre-existing damage to your property.
In Florida, pre-loss inspections are especially common before hurricanes or other catastrophic events such as fire, lightning strikes or hail damage. That said, pre-loss inspections can be useful any time you are concerned about having the documentation you will need to file a claim with your insurance company.
Here are just some of the insurance claims where a pre-loss inspection report can help you:
What is the Difference Between a Commercial and Residential Pre-Loss Inspection?
There are some areas of overlap between residential and commercial pre-loss inspections. For instance, both commercial and residential policyholders will want documentation regarding the current condition of your property.
However, we also keep in mind the different kinds of claims a building owner and homeowner might have and have different pre-loss inspection packages.
Why Business Owners Choose Reliant Insurance Adjusters for Pre-Loss Inspections
When hiring a public adjuster for a pre-loss inspection, you want to look for knowledge and experience. An experienced public adjuster in Boca Raton will be able to anticipate problems before they occur or catch something you may not see. This will allow you to protect your property by repairing it timely. We also know what to look for and how to properly document your claim to avoid a claim denial.
In some cases, this can mean letting you know about aspects of your property that are not covered in your policy. We discussed this in our recent blog about EIFS exclusion. While inspecting your property, we will also be able to provide examples specific to your property should they exist.
Along with that, it is also useful to find someone with skills that can help during the information gathering process. My business partner, Scott Scovin, is a licensed drone pilot. By working with a drone pilot who understands insurance, you can rest easy knowing that all the information needed will be gathered.
Are You Looking for a Public Adjuster in Boca Raton?
You have come to the right place. At Reliant Insurance Adjusters, we have decades of experience helping commercial and residential property owners understand their policies and file claims with their insurance company.
Whether you are currently in the process of filing your claim or you have been underpaid or denied for your claim, we can help. Are you prepared in the event of a hurricane or other catastrophic event such as fire? Either way, please do not hesitate to contact us. We are always happy to help property owners navigate the complicated world of insurance.
To most individuals, their property, whether commercial or residential property, is their largest and most important financial asset. Typically, it will appreciate in value, giving you an opportunity to financially gain by renovating, selling, or renting out your property. That said, this asset can quickly become volatile and problematic due to property damage caused by a water leak, fire, storm damage, fallen tree, or other incident.
When property damage occurs, your first step before beginning repairs is to file an insurance claim. There is a waiting period before repairs can begin. As a property owner, there are actually further steps you need to take prior to beginning repairs to your property.
The following are the necessary steps you need to take before moving forward with repairs.
#1 File the Claim Immediately
After ensuring everyone is safe from the property damage, you must take quick action to notify your insurance company of the damage. However, not every claim is an insurance claim and you must understand what is causing the damage to your property in order to file the correct claim.
Since there are certain obligations within your insurance policy that must be complied with, it is important to preserve the evidence and repairs should not begin until the claim process is documented and complete.
Insurance companies require an investigation of the damage, the extent of which may vary. It is important to take emergency measures to protect your property from further damage, but not to complete all repairs prior all inspections being completed. If any repairs are completed during this stage and the evidence of your damage is removed, it is likely that your insurance company will deny your claim.
#2 Wait Until the Claims Process is Complete
The claims process typically takes about 30-90 days to complete. However, the timeframe may be extended depending on the extent of the damage to your property, what documentation is being requested and how many inspections are required by the insurance company.
#3 Complete All Duties After Loss
Every insurance policy outlines duties after loss that you are responsible for completing following property damage. Every policy is different, so make sure that you review your policy and have a good understanding of what the insurance company requires of you.
A few common duties after loss include:
There are also timelines within which you need to submit this information. If you fail to comply with any of your duties after loss or begin repairs before the claim is finalized, the insurance company can deny your claim.
Has Your Property Been Damaged?
Has your property been damaged by water, wind, fire, or a water leak? We understand the claims process can be confusing and stressful, especially coupled with the stress of damage to your property.
At Reliant Insurance Adjusters, our licensed public adjusters are experienced with the claim process that follows property damage and more importantly, the deadlines for submission of requested information. We prepare detailed estimates of damage with photographs.
We are here to assist you with preparing all the necessary documents to submit to your insurance company and guide you through the entire claims process. Contact us today and let us know how we can assist you.
Mold is one of the more complicated forms of property damage, in part because it is not always easy to determine whether the damage was caused by the mold itself or by the water that caused the mold.
What you should know when trying to get compensation for mold damage. Specifically, we will discuss the two policies that are most likely to provide coverage, as well as what to do if an insurance company denies your claim.
Does Homeowners Insurance Cover Mold?
There is no such thing as a “mold claim.” Instead of writing policies specifically centered around mold damage, insurance companies sell policies that can compensate for mold damage when the mold results from a peril that is covered under your policy.
Mold in and of itself, it not a covered peril. Homeowners insurance will usually cover mold damage if it is caused by a covered peril for which you have coverage. For instance, let us say that your home was damaged when a water heater unexpectedly leaked. If the damage caused by the water heater is covered, and mold occurs as a result of the water damage, you will be covered.
It is important to note that homeowners insurance does not provide coverage for lack of maintenance or wear and tear to your property. If the mold grew slowly over a period of time as a result of a leaky faucet, you will not be covered nor will you receive compensation if you file a claim.
Does Flood Insurance Cover Mold?
Much like homeowners insurance, there are some situations where a flood insurance policy will cover mold. The key is that you do everything in your power to prevent the mold from occurring.
Under a flood insurance policy, it is sometimes difficult to get compensation for mold if you have access to your property but did not dry it timely. However, if your property was not accessible as a result of the flood, or there was no power and you were not able to remove the moisture and mold starts growing, it is possible you can get compensation for mold damage.
It is important to understand that every insurance policy is different so it is ideal to speak with an insurance expert who can review your policies and explain your coverage.
What If Your Insurance Company Denies Your Claim?
Denied claims can be upsetting if you expect your insurance company to pay for damage to your property. A claim denial does not necessarily mean that the process is over. Instead, it is a good idea to find an experienced and knowledgeable public adjuster to review your policy and explain your coverage.
If it is determined that your policy covers the damage, a knowledgeable public adjuster can reopen your claim. There are many methods we use to document and prove the damage is covered to help you get compensation for your claim. We have been successful in overturning many claim denials for our clients.
Looking for Public Adjusters in Palm Beach County?
You have come to the right place. At Reliant Insurance Adjusters, we work with property owners who want to understand their policy better and get the compensation they deserve. Our backgrounds, coupled with many years of experience, give us an advantage when dealing with insurance companies.
We provide free policy reviews whether you have a claim or not. If you have been underpaid or denied for your insurance claim, please do not hesitate to contact us today.
The bathroom is one of the most used rooms in every household. However, necessary maintenance and general upkeep can be easily overlooked even though it can save you money and protect your home from potential damage.
An often-overlooked form of maintenance is caulking the bathroom sinks, faucets, bathtubs, and showers. Caulk is an adhesive material that seals gaps and seams around pipes. It serves multiple purposes and failing to re-caulk your bathroom can allow future problems to pop up. Ideally, your bathroom should be re-caulked every five years to keep potentially dangerous issues from arising.
Why You Should Re-Caulk Your Bathtub, Sinks & Faucets
Here are three reasons why re-caulking your bathroom is highly important.
#1 Preventing Mold and Mildew
Due to its adhesive nature, caulk is an excellent sealant that prevents water from leaking through gaps and seams in your bathroom pipes. After five years, caulk can begin to peel and crack, allowing water to leak into your bathroom.
Even the smallest leaks can result in mold, mildew, and serious water damage. Re-caulking your sinks, faucets, bathtubs, and showers ensures that all seams are filled, leaving no room for water to leak through. When re-caulking, be sure to use a caulk that is specifically mold and mildew resistant.
# 2 Avoiding Damage to Walls and Tiles
Cracked or peeled caulk may result in mildew around your sinks and faucets, but it can also cause further damage to your bathroom walls and floor tiles. This is mainly an issue with bathtub and shower caulk.
When the caulk begins to crack, water can leak through and flow directly into the vanity cabinets, wall and even underneath the floor. Serious damage can occur, depending on the age of your home and the materials behind the wall.
Wet drywall, for example, may lead to extensive repairs for you down the road. Similarly, if there is no waterproof layer underneath your flooring, you may be forced to rip up and replace your entire floor. This could be very costly depending on your insurance coverage.
#3 Protecting Your Health
When moisture leaks through old caulk, mildew and mold are sure to quickly follow. Not only are they unpleasant to look at and difficult to clean, but mold and mildew can both be damaging to your health.
Mold colonies quickly form and are often difficult to see when behind walls or tile. These colonies are challenging to fully clean and remove, and they also cause health-related concerns such as respiratory issues, throat, skin, and eye irritation.
Generally, the cause of these health issues is difficult to determine, and the source of the mold can be even more challenging to discover. Keeping your sinks, faucets, bathtubs, and showers freshly caulked every five years will help alleviate concerns regarding mold.
Experiencing Water Damage?
Have you found water damage in your home? Are you unsure how to move forward with repairs to your home? We are here to help!
At Reliant Insurance Adjusters, we offer a wide range of services, including property damage claims. Our licensed team is experienced in property damage claims, and we are ready to assist you. Contact us today for a complimentary consultation and policy review.
As public adjusters in Broward County, we have had significant experience through the years helping property owners get compensation and full coverage after a hurricane. The process is more confusing than what most expect when they file a property damage insurance claim.
Let’s discuss the policies that provide coverage, as well as explain the best action to take to get compensation from your insurance company.
Which Policies Provide Coverage in the Event of Hurricane Damage
Insurers do not typically offer a specific hurricane insurance policy. This means that the damage incurred during a storm must be covered under your wind or hurricane coverage within your policy.
While insurance policies often vary, yours will likely provide this coverage, but it comes with a price of a higher deductible.
While this is sometimes referred to as a wind or hurricane policy, it does not always cover water damage caused by flooding. The key is whether the water damage is caused by the wind. For instance, if wind damage provides an opening in your property that then water enters your property and causes water damage, you will be covered.
You are less likely to get compensation if the water damage is unrelated to wind or flooding unless you have a separate flood insurance policy.
Flood insurance is designed to cover the water damage caused by things like storm surges or flooding. The flood needs to cover more than just your property or spread across at least two acres.
Can You Get Compensation for Mold or Debris Removal?
Homeowners insurance can provide coverage for mold. However, insurers do not provide coverage or compensation if the mold is a result of negligence or lack of maintenance to your property.
Homeowners insurance can also provide coverage and compensation for debris removal, but that amount is usually capped within the policy. That said, this coverage can be limited, and you may still need to incur a portion of the debris removal.
How You Can Get Compensation With Your Current Coverage
Being properly covered before a loss is important. If a hurricane has already come, it is too late to change your policy if you sustain damage. It is a good idea to speak to a public adjuster with the knowledge and experience to review your policy in detail and determine if you have property coverage.
If your property damage claim is underpaid or wrongfully denied, a public adjuster can assist you at any time. Our experience and expertise allow us to understand everything you are entitled to in order to get the compensation you deserve.
Looking for a Public Adjuster in Broward County?
At Reliant Insurance Adjusters, we are committed to helping property owners file proper claims with their insurance company. Whether you are ready to file a claim or you are anticipating a potential loss, we are here to help.
We offer Pre-Loss Property Inspections, which prove your property was not damaged prior to a loss. Please do not hesitate to contact us through our site or call us (561) 288-6434 today.
Insurance claim disputes are common, as questions surrounding property damage, property repairs, total cost of repairs, and whether all or part of your claim is covered may be the subject of disagreement between you and your insurer.
When it comes to the technical and legal dynamics involved in claims disputes, you are often on an uneven playing field with your insurance company.
The best path to resolve a claim dispute depends on your individual situation, and the different avenues of resolution have varying pros and cons. This is when having a qualified, professional public insurance adjuster in your corner is essential.
Explaining Arbitration, Mediation & Appraisal
Here are the three different options your policy may provide when you have an insurance claim dispute: Arbitration, Mediation, and Appraisal.
A need for arbitration has started appearing more regularly in some property insurance contracts. But what precisely is arbitration and how is it different from litigation or a trial?
Alternative Dispute Resolution (ADR) is the name given to arbitration. This is where all parties consent to abide by and respect the arbitrator's ruling. A person or authority appointed as the arbitrator, who in actuality has the same authority as a judge but is only responsible for the specific dispute at hand, is in control of this process. The goal of arbitration is for the arbitrator to resolve disputes in the most just manner possible after hearing from all sides and analyzing their respective arguments.
Arbitration is not necessarily intended to reach a compromise between the parties, but it can be a faster and more cost-effective way of settling a dispute, as it allows you to avoid a trial.
The most common method of resolving claim disputes is mediation, whether it is voluntary or ordered by the court. Mediation is a way to resolve a claims dispute between the policyholder and the insurance company where a neutral third-party mediator acts to encourage and assist in the resolution of a dispute.
The insured and insurer participate in the decision-making process during mediation, but not during arbitration, where they can simply state their claims. A mediator lacks the authority to make a ruling and assign damages, unlike an arbitrator.
Although the nature of mediation is much more informal and the mediator typically encourages the parties to reach a solution on their own, he/she does not pass any orders.
When a compromise is reached, the parties draft a settlement agreement. The only grounds for challenging the final settlement in court are fraud and deception.
One advantage of mediation is that it may be quicker and less expensive than going to trial. A negative element of mediation may be that cases sometimes settle in mediation for less than their true value or do not settle at all.
The appraisal process, which is a stipulation outlined in most commercial and residential insurance policies, can be used as an alternative dispute resolution mechanism to avoid litigation or to resolve portions of an insurance claim. Since both appraisal and arbitration are alternative conflict resolution procedures that enable issues to be addressed without the need for litigation, they do share some similarities.
The provision for appraisals can typically be found under the Loss Settlement section of your policy. When the insurance company and policyholder cannot agree on the amount of loss, it is an Alternative Dispute Resolution that can settle disputes in rather than filing a lawsuit.
The majority of property insurance policies have language that allows "appraisals" to be used to settle disagreements on the scope and value of a loss. A real estate or art appraisal is not the same as an insurance appraisal. The extent and severity of a loss (what was damaged and how badly), as well as the cost of the loss (how much repairs should cost), can be determined by an insurance appraisal.
Most appraisal clauses within an insurance policy provides that any party may request an appraisal in writing if the insurer and insured cannot agree on the amount of the loss. Each party is responsible for hiring their own appraiser. Then the two appraisers will select an impartial individual who will act as an umpire if they cannot agree on the settlement of the loss. In that event, the umpire will be called in to assess the loss and settle the claim.
Looking For a Licensed Public Insurance Adjuster or Appraiser to Guide You Through the Claims Process?
A Public Adjuster or Appraiser acts as your advocate and will make sure you receive a proper settlement of your claim.
At Reliant Insurance Adjusters, we are dedicated to our clients, and are here to alleviate any stress from your claim. We have the expertise and experience needed to navigate this complicated process. Contact us today (561) 288-6434 for any questions or assistance with your insurance claim.
The existence of apps like Airbnb has led many people to start renting their homes out on a short-term basis. While this can represent a new income stream for homeowners, it can also lead to insurance complications if you do not have the correct insurance policy on your property.
Does homeowners insurance provide coverage if you are renting your home for a short period of time? If not, what are your best options for getting the compensation you need if a guest causes damage to your property? Learn what you need to know from expert Palm Beach County public adjusters.
What Kinds of Damage Do You Need Coverage For?
There are two major things you need to be prepared for when renting out your home:
Does Your Homeowners Insurance Policy Cover Damage Caused During Short-Term Rentals?
A standard homeowner insurance policy will not cover damage caused if you are regularly renting your property. For this, you would need a dwelling policy.
It is important to review your policy, because you may be required to inform the insurance company before renting or even add an endorsement to obtain coverage.
If you sustain damage to your property and believe your policy covers the damage caused during a rental period, you should consult with a public adjuster. They will have the knowledge and expertise necessary to review your policy and assist you with filing an insurance claim.
Getting Covered for Damage Caused During a Short-Term Rental
If damage occurs to your property while you are renting it, there are several options available to you. First, you need to determine if the damage is covered by your policy (e.g., a natural disaster, fire damage or water damage that occurs while you were renting your property).
If your insurance policy does not cover the damage, you might still be able to receive compensation elsewhere. For instance, Airbnb offers host damage protection for up to $1 million.
It is important to note that AirCover for Hosts will not provide coverage for damage that is covered under a typical homeowners insurance policy like hurricane damage.
In order to receive coverage by Airbnb, you are required to provide evidence of the damage. If you plan on renting your home, it is important to perform an inspection ahead of time. This way, you will document the condition of your property prior to anyone staying in your home and proof that any damage that occurs happened during the rental.
Looking for Palm Beach County Public Adjusters
You have come to the right place. At Reliant Insurance Adjusters, we work with residential and commercial property owners to help ensure you receive everything you are entitled to for your insurance claim. We have decades of experience in the insurance industry, and our reputation speaks volumes.
Now, more than ever, insurance policies cover less and less. We are always happy to help you gain a better understanding of what your policy does and does not cover. Please do not hesitate to contact us or call (561) 288-6434.
Whether you own a residential or commercial property, it is crucial that you properly insure this significant investment to protect yourself and your belongings, and It is just as important to be fully aware of what your coverage entails.
When purchasing property insurance, the first step is to read the policy in its entirety, especially when it comes to the topic of water damage. Insurance claims for water damage can take many different forms, and if your specific issue is not covered, you will be responsible for all costs associated with repair and replacement of your damaged items.
Determining the root cause of water damage, reviewing whether your policy covers the damage, as well as understanding any limits that may exist on that coverage can be a challenge. Here, we break it down for you so you can understand your policy.
Types of Water Damage Covered Under Most Policies
Water damage is often not covered by insurance policies, or the coverage you do have may not fully address the damage you may encounter. For instance, internal water damage caused by broken pipes or water heaters, such as damaged walls or flooring, is frequently covered. However, your property might not be covered by your insurance policy if the water damage was caused by inadequate upkeep or a flood.
The two common types of insurance coverage are dwelling coverage and personal property coverage. While personal property coverage will cover you for damaged to your belongings like furniture etc., dwelling coverage assists in covering the damage to the interior of your property like walls and flooring.
Is Water Damage Coverage Limited By Insurance?
When a catastrophe happens, many people believe that the full cost of water damage will be covered by their insurance. All too often, once the insurance company’s field adjuster visits your property to evaluate the damage, the insurance company informs you that your policy has a limit. For example, you may be told your policy is limited to $10,000 but the overall damages will cost several thousands of dollars or higher.
In fact, some insurers are now starting to completely eliminate water damage coverage for buildings older than 40 years. However, you may be given the choice to pay an extra premium to have limited water damage coverage included in your policy.
Some insurance companies have also refused to provide water damage coverage if the plumbing is older or original to the property. In those cases, they have requested the plumbing be changed and upgraded in order to provide water damage coverage. So, if you have cast iron plumbing, they may request you change the plumbing system to PVC pipes.
Erosion of Coverage
When you buy residential or commercial property insurance coverage, you expect to be covered when and if you need to file an insurance claim. However, is possible that when you do need to file a claim, you are then shocked to find out that you are not fully covered.
We refer to this as the insurance industry's constant erosion of coverage. Insurance companies are either placing limits on coverage or excluding coverage all together. For example, there are some policies with coverage limitations for leaks of any kind that go on for a period of 14 days or more, whether hidden or not. Some insurance companies have added language to their policies that says that the damage caused in the days preceding the 14 days will not be covered if this limit applies.
We Are Here to Help You
Understanding what you are and are not covered for is crucial. At Reliant Insurance Adjusters, we provide free insurance policy reviews and coverage recommendations to help ensure you have the necessary property coverage.
If you need assistance filing a water damage claim or any other property damage claim, we are ready to help! Call us today at to (561) 288-6434 or contact us here get started.
Who doesn't love a summer full of beach getaways, picnics, and pool parties? The failure of your air conditioner while temperatures are at their highest, however, may be the quickest way for your summer fun to be ruined. To guarantee you have a comfortable, cool house to unwind in after all your outdoor activities, you need to make sure your HVAC unit is properly maintained throughout the year.
Ensuring that your HVAC system is in good operating order may not be at the top of your summer “to-do list” but it’s important to make sure your family is cool and comfortable throughout the sweltering summer.
How to Maintain Your HVAC System for Summer
Take these six preventative steps and examine your HVAC system in advance, so you can rest assured that you’ll be set for the summer heat.
1. Schedule Annual Maintenance Checks
The best course of action to ensure your home is cool and comfortable for summer is to choose a reliable HVAC service to clean and check your system on a seasonal basis. You surely do not want to have no air conditioner during the hottest time of the year, and there are experts who can assist in identifying and diagnosing potential problems.
2. Clean and Change Your Filters Regularly
The simplest and most efficient thing you can do to maintain the health of your HVAC system is to take good care of your filters. Clean air can circulate uniformly throughout the house when the air filter is properly maintained.
It is crucial to inspect your air filter regularly for pet hair, grime, and other debris that can accumulate in the air ducts, so homeowners with pets or carpeting should check the filter more frequently.
The filter can also become clogged with dust and pollen, which can cause the unit to perform less efficiently, increasing your electricity costs. If you use your air conditioner all year long, as most Floridians do, you should consider changing your filters every month. For disposable filters, write the date on the filter when you replace it, and make checking your filters a habit by coupling it with any other regular monthly occurrence, such as paying a bill.
3. Check for Cracks Around the House
An HVAC system must work harder to make up for cool air that escapes through any cracks or holes in your walls, doors, or windows. This escaping air is typically the main reason for a spike in summer utility expenses. Perform a basic search around your home and seal up any cracks that you find with insulation, weather stripping, and/or caulking where necessary.
4. Clear the Area Around the Unit
Outdoor condenser units can collect debris over time. Leaves and twigs can accumulate at the base, and it can become the perfect home for critters in the cooler months. As part of your yearly maintenance, make sure your air conditioner is turned off, and remove any debris you see close to the exterior unit's base.
5. Utilize Ceiling Fans
If you have ceiling fans located throughout your home, this can be a great asset for your HVAC system. Fans may allow you to keep your thermostat a few degrees higher with the consistent air flow supporting the unit. In addition, if you set the blades to turn counterclockwise, ceiling fans can minimize the amount of hot air that rises, thus allowing the air conditioning unit to turn on less often.
6. Let the Unit Rest
The question of whether it's preferable to keep your air conditioning at a constant temperature or to raise it while you're away from home has generated some discussion. The simple answer is that by keeping the temperature constant when you are home and allowing your system to rest while you are gone, you will save the most money and energy.
Review Your Property Insurance Policy
In addition to the previous suggestions, there’s one more important property maintenance task that you should not skip: reviewing your property insurance policy.
At Reliant Insurance Adjusters, we offer several services to assist you in property insurance reviews. We take pride in providing you peace of mind with the knowledge that your home is protected. Get back to what’s most important this time of year and enjoy summer with your family.
We can assist you, whether you need a pre-loss property inspection or help with filing an insurance claim. To find out how we can best serve you, call us at (561) 288-6434 or contact us here.
Working as insurance adjusters in South Florida means we have seen the results of a variety of DIY projects. It is common for property owners to want to renovate their own home. After all, these renovations can increase property values while improving quality of life.
That said, you may be wondering: does your homeowners policy cover a room that you renovated yourself? The answer will vary based on the specifics of both the situation and your policy.
What Does Homeowners Insurance Cover?
Homeowners policies vary, and it is important to examine your specific policy to determine what is covered. That said, these policies typically cover unexpected expenses.
For instance, if a leak occurs after a renovation has been completed, the damage should be covered if the leak is not a result of workmanship. For all intents and purposes, policies typically treat projects the same whether they were performed by an owner or a contractor.
Given this fact, it is worthwhile to ask: how do insurance companies typically address situations where contractors cause damage in a home?
Insurance policies typically have a workmanship exclusion, which means that companies can deny insurance claims if the damage was caused by:
To put it simply, insurance policies are primarily designed to cover sudden and accidental losses. If the damage could have been foreseen and prevented, such as by doing the proper job, you likely do not have a valid insurance claim under your policy and would be denied coverage.
If you file the proper permits, abide by the law, the work was done properly and you did not cause the damage, there is a good chance that your damages would be covered under your policy.
Are There Any Exceptions to Workmanship Exclusions?
Even if the workmanship exclusion prevents coverage for damage caused by neglect during the project, you may still be able to receive coverage. Many policies state that coverage is still provided if a “resultant peril” covered under the policy caused the damage.
While an insurance company is unlikely to pay for a leak caused by faulty workmanship, you may be able to file an insurance claim if a hurricane or other peril caused damage unrelated to the leak.
Finding the Right Contractor
If you choose to hire a contractor, it is important to make sure you vet them thoroughly. Here are some of the qualities to look for in a contractor:
Looking for an Insurance Adjuster in South Florida?
You have come to the right place. At Reliant Insurance, we work with residential and commercial property owners who want the best results for their insurance claims. We have decades of experience as public adjusters, appraisers and umpires.
Do you have any questions about your claim or your coverage? Are you in need of qualified representation for your claim? Please do not hesitate to contact us today.