Can You Trust Contractors Referred by Your Insurance Company
Locating a contractor to perform repairs, restorations or replacement to your home after a disaster can be a dauting endeavor. You want the work done as quickly as possible, especially if the home is uninhabitable, but you also want the highest quality work possible. In some instances, your insurer may have a network of preferred […]
Does Homeowner’s Insurance go up After a Claim?
The cost of homeowner’s insurance will typically increase when it’s time for renewal after you’ve filed a claim. Your insurer will view you as more likely to file a claim than other clients. That constitutes a risk in the view of insurers, with the potential that the insurance company will have to make a payout. […]
Types of Damage Caused by a Hurricane
A hurricane is a massive storm of enormous scope and destructive power. It causes a wide range of damage due to storm surge, large waves, torrential rains, and strong winds. A hurricane can also spawn tornadoes that can occur for several days after the storm makes landfall. Hail may accompany a tornado. Hurricanes destroy homes, […]
5 Things to Know About Florida Public Adjusters
A public adjuster is your best friend if you discover that your insurance company underestimated your homeowner’s claim or even denied it. They can also help if the insurance company has closed the claim. For those unfamiliar with public claim adjusters, here are 5 things to know. Who They Are Public adjusters are highly educated, […]
Hurricane Season and Property Insurance Claims
Hurricane season officially runs from June 1 – Nov. 30 of each year. However, analysts have determined that the earliest hurricane on record occurred on May 28, 1863. Hurricanes come with torrential rain, flooding, high winds and insurance claims. There are some important details that residents of the Sunshine State need to know about hurricane- […]
Public Adjusters, Advocates for the Insured
Dozens of disasters can befall homeowners and renters in South Florida. The Sunshine State is subject to torrential rain, hail, tornadoes, wildfires, and hurricanes. There are home fires, burst pipes, theft, and falling trees that can inflict significant damage to property. Policies for renters and homeowners are purchased to protect property, but there are also […]
Top 4 Things to Do After Discovering Water Damage to Your Home
Water damage can extend much further than you think. The extent of the damage will depend on how long the damage has been occurring and the source. Damage can be taking place behind walls, under floors, and above ceilings without your knowledge. If you discover water damage, there are 4 essential steps you need to […]
Water Damage Clean Up Tips
If the damage is due to a storm or defective appliance, there are some actions to take immediately. Stem the flow of water by turning it off at a location prior to the leak, tarp the roof, or take whatever other actions are required to minimize damage. Not doing so can result in a denied […]
The Mistake of Not Contacting a Public Adjuster Right Away
The first thing to understand about the insurance adjuster your insurer will send to survey damage is that he or she works on behalf of the insurance company – not you. Their job is to assign a dollar amount to damages, settle claims as quickly, and pay out as little as possible. Your Personal Advocate […]
Should a Homeowner Buy Flood Insurance?
For much of South Florida, flood insurance is a necessity due to hurricanes and storms that can drop copious amounts of rain. Even those that don’t live in a declared flood zone would do well to protect their home with flood insurance. Without the coverage, homeowners and renters will be responsible for paying for repairs, […]