PUBLIC ADJUSTER BOCA RATON | RELIANT INSURANCE ADJUSTERS

  • Home
  • About Us
    • FAQ's
    • Meet the Team
    • Our Mission
    • Feedback
  • Professional Services
    • Property Damage
    • Appraisal Services
    • Umpire Services
    • Pre-Damage Inspections
    • Estimating Services
    • Public Adjuster
    • Insurance Adjuster
    • Independent Adjuster
  • Testimonials
  • Claim Tips
    • Articles
    • Checklists
  • Reliant Blog
  • Contact Us
  • Home
  • About Us
    • FAQ's
    • Meet the Team
    • Our Mission
    • Feedback
  • Professional Services
    • Property Damage
    • Appraisal Services
    • Umpire Services
    • Pre-Damage Inspections
    • Estimating Services
    • Public Adjuster
    • Insurance Adjuster
    • Independent Adjuster
  • Testimonials
  • Claim Tips
    • Articles
    • Checklists
  • Reliant Blog
  • Contact Us

Reliant Blog

The Pitfalls of Water Damage Limits

4/4/2023

0 Comments

 
Picture
Water damage affects thousands of Florida property owners each year. Flooding from hurricanes or other natural disasters, broken pipes, backed-up sewer lines, and leaks in hoses, water heaters, and roofs are just a few of the numerous causes of water damage. At best, the resulting damage is a nuisance, and at its worst, it is devastating to the property owner.
 
Water Damage Limits
One of the most frequent reasons to file a property damage insurance claim is, in fact, water damage. Unexpected water damage may be both inconvenient and outright disastrous for property owners, but you can be prepared simply by understanding the limits of your water damage coverage in your insurance policy.
 
There are various forms of water damage and it’s important to learn what is and is not covered by a typical property insurance policy.
 
Understanding Policy Limitations
In order to avoid surprises, it is imperative to evaluate your policy and understand what is covered. Your insurance claim's outcome will be influenced by the cause of the damage, whether sudden or accidental, or gradual over a period of time.
 
More often than not, coverage extends to sudden water damage.  However, many property damage claims only receive a partial claim payment because the insurance policy has a $10,000 limitation within the policy.
 
With this limitation, mitigation of your damage is also included. It may be challenging to make repairs to your property when the damage exceeds that amount, yet you are still required to prevent further damage by protecting your property.
 
Sudden or Accidental Damage
Typically, insurance policies specify that covered water damage must come from an internal or unanticipated occurrence.
 
Rising water entering your property from the exterior is considered flood and not covered under your property insurance policy. I encourage and urge you to make sure you have a separate flood insurance policy.
 
Examples of other Causes of Water Damage
  • Flooding
  • Sewer backup and overflow
  • Water damage that is storm-related
  • Freezing of plumbing or pipes or broken pipes
  • Damage from a build up of ice or snow
 
Gradual Damage
Damage that occurs gradually over time is not covered by standard insurance policies. Because of the range of complex systems with hidden plumbing, electrical wiring, and other intricate parts inside property structures, it can be challenging to spot a problem.
 
Your insurance company may deny your claim if the damage appears to have been going on over a period of time, but some policies have wording to protect policyholders and allow coverage if the damage is hidden and unknown and not visible.
 
Examples of Gradual Causes of Water Damage
  • Leaky pipes, faucets, or plumbing causing damage to walls, ceilings, or flooring
  • Damage caused by hidden seepage
  • A leaking roof
 
Wear, Tear, Deterioration and Mold
Unless specific wording is included in your policy as noted above, wear, tear and deterioration are not covered by most policies.
 
Although mold is caused by moisture, it’s important to speak with your insurance agent to determine whether your policy has mold coverage, and if not, you must add this important coverage.
 
The first step to filing a successful water damage insurance claim is understanding your coverage and the type of water damage your property is experiencing.
 
Hire a Public Adjuster to Help
Your insurance company may miss damage and underpay or deny your claim. A public adjuster can help by reviewing your policy and explaining what is and is not covered, and help you navigate the complicated claim process.
 
At Reliant Insurance Adjusters, we ensure your best interests are top priority and treat every client’s claim as if it were our own. Contact us today for more information.
0 Comments



Leave a Reply.

    Author

    Karen Schiffmiller

    CALL US:
    561-288-6434

    Reliantpa.com

    Archives

    June 2025
    May 2025
    April 2025
    March 2025
    February 2025
    January 2025
    December 2024
    November 2024
    October 2024
    September 2024
    August 2024
    July 2024
    June 2024
    May 2024
    April 2024
    March 2024
    February 2024
    January 2024
    December 2023
    November 2023
    September 2023
    August 2023
    June 2023
    May 2023
    April 2023
    March 2023
    February 2023
    January 2023
    December 2022
    November 2022
    October 2022
    September 2022
    August 2022
    July 2022
    June 2022
    May 2022
    April 2022
    March 2022
    February 2022
    January 2022
    December 2021
    November 2021
    October 2021
    September 2021
    August 2021
    July 2021
    June 2021
    May 2021
    April 2021
    March 2021
    February 2021
    January 2021
    December 2020
    November 2020
    October 2020
    September 2020
    August 2020
    July 2020
    June 2020
    May 2020
    April 2020
    March 2020
    February 2020
    January 2020
    December 2019

    Categories

    All
    Independent Adjuster
    Insurance Adjuster
    Public Adjuster

Proud Members

Picture
Picture
Picture
Reliant Insurance Adjusters LLC BBB Business Review

Opt Out Cookies
​Terms of use 
Privacy Policy
​
RELIANT INSURANCE ADJUSTERS LLC
Karen Renée Schiffmiller Lic #P031839
Scott David Scovin Lic #P120375
Firm License #W805811

HEADQUARTERS
​
7777 Glades Road, Suite 100
Boca Raton, FL 33434
561-288-6434
​© 2021 Reliant Insurance Adjusters LLC, All Rights Reserved.
Photo from fauxto_digit