Water Damage Claim
The ONLY Public Adjuster in Florida who Specializes in Water Damage Insurance Claims. I handle more water damage claims than any other public adjuster in Florida. Almost all my clients have some form of water damage.
Florida is the #1 state in the United States for water damage claims. The cause of all the water damage is a variety of damage claims including:
- AC leaks
- ceiling damage from roof leaks
- Pipe damage/breaks
- Hurricanes & Tropical Storms
- Various Leaks from appliances
Insurance companies are trying to limit their exposure to water damage claims by denying as many as they can.
Air Conditioner Leaks
Appliance Hose Line Leaks
Refrigerator & Freezer Leaks
Pipe Cracks, Burst, and Leaks
Stained Ceiling from Roof
Water Damage after a Fire
And Many other Water Damage Claims…..
Many Florida homeowners’ carriers have excluded water damage completely from homes that are over 40 years old. Some are only given the ability to buy back $10,000 in “limited water damage” coverage for an additional premium.
Every year becomes more difficult for property owners who have a water damage claim to get it paid fully because normally the insurance company will :
- Deny the claim
- Not pay you enough for the claim aka Underpay the claim
- Factor in depreciation which further reduces the amount they have to pay you
- In some cases, insurance companies like Citizens has their own contractor programs.
Companies like Citizens Insurance offer their own contractors to repair the water damage should be carefully scrutinized. Citizen’s calls this program, MRP, or the Managed Repair Program. If you run into this situation, please call me so I can inform you how we can help get around this program.
Why would you want the insurance companies contractor to repair your property when they use low grade materials, cheap labor, and complete the job with poor workmanship and quality. THERE IS A WAY AROUND THIS TYPE OF PROGRAM.
So if you have a Water Damage Insurance Claim with your Homeowners Insurance or Condominium Insurance let me try to help you get what you deserve.
One question I often get with water damage claims is: How to fight a denied insurance claim?
There are many things a public adjuster can help with if your claim has been denied. We would inspect your property, write an estimate, review your policy, and try to circumvent any policy language that would be not helpful to our position in trying to get your claim covered. Sometimes, we can simply call the insurance company adjuster and provide evidence that the loss is in fact covered. There are several other options available to you in your policy that we can take advantage of to expedite the claim handling process and possibly get you a settlement offer.