Wind damage is usually related to windstorms, hurricanes, hailstorms, tornados, high winds and large thunderstorms. Many insurance companies will refuse to pay for roof, shingles, siding, garage doors, and window damage.
Wind: High winds can cause your roof's shingles to lift or debris to crack roof tiles creating an opening in your roof which results in water entering the property when it rains. Extremely high winds can cause extensive damage to your property and should be inspected by a professional. Contact us and we will provide you with a completely free no obligations consultation. Remember it is your responsibility as a homeowner to protect your property and stop water from entering your home immediately.
Many policyholders are wrongfully denied by their insurance company. Contact us today if you have been previously denied or have recently sustained damages and would like an expert's opinion. We will fully evaluate your loss and guide you accordingly. With our knowledge and professional experience we will be able to help you with all your questions and concerns. During our inspection if we come to the conclusion that your loss is a covered loss we can assist you with all the documentation required by your insurance company and ultimately negotiate on your behalf in order to recover a fair and honest settlement.
Call us today. We will fully inspect your property and guide you through the stressful process. We offer a completely free inspection with no obligations.
Water damage can be from broken pipes, leaky faucets, plumbing leaks, toilet overflow, AC leaks, and leaks from appliances which can cause significant damage to your property. Many people are not aware that they have a loss or that they might be covered by the insurance policy. Some might assume the loss is too small to claim but often find themselves spending thousands of dollars in repairs, placing themselves in an unnecessary financial burden.
Insurance policies are in effect and premiums are paid by you in order to provide you with the protection you need in case of a loss. Contact us and we will conduct a thorough inspection of the property and advise you accordingly free of charge with no obligations. We are experts in the field and with our knowledge and professional experience we can help you with all the required documentation requested by your insurance company and negotiate on your behalf in order to recover a reasonably fair and honest settlement.
Fire damages can be very devastating and stressful to deal with. They can be anywhere from a small contained room fire to a complete burn-out of a home (total loss). We can help you through this ordeal and represent you against your insurance company to ensure you get a satisfactory settlement to properly repair your property.
After a fire occurs there are important decisions to be made, a task very difficult for anyone that finds themselves in a tremendous amount of stress which can result in confusion. Many make mistakes during this time as to how to handle a restoration company or what contracts need to be signed. These can have drastic consequences on the amount you are able to recover from your loss.
Contact us immediately should you have suffered a loss due to a fire. We offer free inspections with no obligations. With our knowledge and professional experience we can help you with all the required documentation requested by your insurance company and ultimately negotiate on your behalf in order to recover a reasonably fair and honest settlement. We will fully inspect your property and guide you through the stressful process.
Smoke damage can occur from a fire or soot resulting from a fire, which can quickly turn your home into a hazardous place to live. You may not see smoke damage in many places, and it could be creating a very dangerous condition for you and your loved ones.
Prolonged soot exposure permanently harms all surfaces and penetrates in fibers. Replacement of property might be the best option at this point. The structure may continue deteriorating if not properly restored. Discoloration of porous material are permanent. Wooden furniture may require refinishing. Metal commences to rust and corrode. Paint on walls begin to turn yellow. Clothing may become permanently stained warranting replacement. Flooring may require refinishing and at times replacing.
Damages from a fire loss no matter how small or large result in a cloud of smoke that spreads throughout the entire property. Smoke always tends to travel to cooler areas, through vents, pipes or cracks, staining walls, flooring, furniture and clothing leaving an unpleasant odor. It is recommended cleanup for smoke damage be done with professional cleaning equipment and techniques to ensure that nothing is left out. Attempting to clean smoke and soot on your own, may result in additional damages and you may overlook important areas such as air ducts and vents.
The costs to repair smoke damage can be very expensive, and having a reputable public adjusting firm on your side can help alleviate the stress by evaluating and negotiating a fair settlement with your insurance company on your behalf. Call us today. We will fully inspect your property and guide you through the stressful process. We offer a completely free inspection with no obligations.
Theft claims need to be detailed and specific. Most policy holders are not aware that not only are the items stolen covered, but the damages caused by the theft are also covered. This could include broken windows, damaged doors and frames, safes, walls, floors, etc.
Business owners that have had a theft might be able to get compensation for loss of time or lost productivity and sales if your business is not operational. Business owners are most often hurt by downtime that is caused by theft of equipment needed to be operational.
Always prepare yourself for the unexpected. Save all your receipts and your manuals. Document all your purchases to ensure a smoother transition in case you ever sustain a theft. Take photos of your personal belongings and if possible video tape all your belongings. Find a safe place to store your important documents, manuals, photos and videos, such as a safe, or fire proof box. You don’t know how important all this information truly is until you have sustained a loss and the insurance company is requiring proof of ownership.
Contact us immediately if you are a victim of a burglary. We will guide you and assist you with your loss. With our knowledge and professional experience we can help you with all the required documentation requested by your insurance company and negotiate on your behalf in order to recover a fair and honest settlement. We will fully inspect your property and guide you through the stressful process. We offer a completely free inspection with no obligations.
Vandalism and mischief is an intentional destruction of property. When your residence or business is vandalized you are usually covered by your insurance policy. Coverage includes the vandalism itself and any damage caused from the act itself. Your walls, baseboards, appliances, windows, doors, gates, HVAC system, floors, and furniture may all be covered under your policy.
If you have recently evicted a tenant who acted malicious and out of anger caused damages to your property you may be covered by your insurance policy.
Contact us immediately if you have been a victim of a vandalism. We will complete a full inspection of your property and guide you through the stressful process. We can communicate, negotiate and ultimately recover a reasonable and satisfactory settlement on your behalf. We will fully inspect your property and guide you through the stressful process. We offer a completely free inspection with no obligations.
Damage from lightning can be complicated and stressful at the time of filing a claim. Most policy holders are not aware of what is covered and how to properly prepare and present documentation of damages to electronics, computers, phones, home appliance, business equipment (computer servers, copy machines). Expensive items can sometimes be missed and go unnoticed or the insurance company may claim the item is not damaged even when it is obvious. Lightning can also cause serious damage to a property’s structure which can result in fires. Sometimes lightning can strike a neighboring tree causing it fall on your home or business resulting in damages.
These types of claims can be extremely challenging for a policy holder. Not only could you sustain damage to your roof, walls and attic, but water can enter your property and travel within your walls, out of your baseboards, even result in cracks to your floors, as well as electrical wiring damage, home structure damage and much more.
Business owners may be entitled to recover for loss of work should your business be interrupted due to a loss. Homeowners may also be able to recover for loss of use, if you need to rent a hotel or rent another house while repairs are ongoing.
Contact us today should you have sustained damages due to lightning. We have the knowledge and professional experience needed to assist you with this type of loss. We will evaluate and document your loss in order to negotiate and ultimately recover on your behalf a reasonably fair and honest settlement. We will fully inspect your property and guide you through the stressful process. We offer a completely free inspection with no obligations.
Mold can be found in a variety of colors including white, brown, orange, green and black. Mold can sometimes be found to have a furry look or might resemble a stringy slime, but some can also have a powdery-look. Black mold is considered to be the most dangerous type of mold found in properties. Mold should be addressed immediately to avoid potential adverse reactions to the mold. Mold can grow at an extremely fast pace. Mold can form in as little as 24-48 hours after water exposure.
Mold exposure can lead to several health-related problems. Mold has the ability to travel through the air, into the ventilation system of your property. The inhalation of mold spores can create a variety of respiratory health problems. Common side effects seen from mold exposure include asthma, allergies, respiratory infections, sinus infections and skin rashes. In some cases, mold exposure can even be fatal.
Mold often requires testing to identify the remediation process for the specific type of mold found on the property. A remediation contractor should follow the recommended procedures required to fully and properly remove mold from the property. The clean-up, removal and remediation techniques can be costly and hazardous.
During our inspection of your loss we will advise you on the most effective way to assess the mold issue in your property and we will properly document the mold loss. We will provide you with our expert advice on whether the use of outside experts might be necessary.
Roof leaks present many challenges for a homeowner or business owner. These types of losses can lead to substantial damage to the interior of your property. Even after you repair the roof and stop the leak you may have sustained damages to the interior such as to the attic, insulation, ceilings, walls, baseboards and possible mold growth found or hidden in the interior surfaces of your property.
Many insurance companies will deny your loss using the “Wear and Tear Exclusion”. The exclusion can be found in your insurance policy and applies to the roof itself which means a worn out roof will NOT be covered by your policy unless it is first damaged by “accidental direct physical loss”. If the roof sustain damages caused by a wind storm, hurricane, tornado or some other accidental cause then the roof itself would be a covered loss.
Damages resulting from water entering your home or building may be a covered loss because the exclusion also says, “However, we do insure for any resulting loss.” Due to this exception insurance companies tend to periodically inspect the roof on the properties to ensure roof is still in good condition and not found worn out. If a roof is found deteriorated or neglected, the insurance company could insist that the roof be immediately replaced or they will threatened to cancel the insurance policy.
We have the knowledge and professional experience needed to assist you with this type of loss. We will evaluate and document your loss in order to negotiate and ultimately recover on your behalf a reasonably fair and honest settlement. Call us today. We will provide you with a completely free inspection of your loss with no obligations.
Power surge claims can typically be due to electric power line failures, transformer or generator malfunctions or any other electrical problem out of your control. Most frequently damaged items from a power surge are appliances and electronics these items include anything that might be plugged into a power outlet such as; refrigerators, dishwashers, stove, washing machines, dryers, central A/C system, burglar and security systems, garage door openers, televisions, computers, telephone, copiers, printer, fax machines, fish tanks, ceiling fans, stereo equipment, and video game consoles to name a few.
These types of claims are difficult. You should always prepare yourself for the unexpected. Save all your receipts and your manuals. Document all your purchases to ensure a smoother transition in case you ever sustain a loss. Take photos of your personal belongings and if possible video tape all your belongings. Find a safe place to store your important documents, manuals, photos and videos, such as a safe, or fire proof box. You don’t know how important all this information truly is until you have sustained a loss and the insurance company is requiring the documentation.
Florida currently has the highest amount of sinkhole occurrences in the country. Sinkhole coverage is extremely difficult and in the state of Florida notice of the claim MUST be given to the insurance company within two (2) years after the policyholder knew or reasonably should have known about the sinkhole loss. The process is very complex and your insurance company may order a geological report to establish the cause of the damage. If a sinkhole is confirmed, your insurance company will be responsible for testing and repairs, less deductible.
Sinkholes are depressions or holes that form in the earth due to the collapse of bedrock underneath the soil. Sinkholes are very dangerous as they can develop suddenly and eventually cause houses, buildings, and roads to collapse. Damages to your property resulting from sinkhole activity can be anywhere from cracks on floors, pavement and walls including exterior walls, interior walls, decks, and driveways, small or large dents on the property, pool of water accumulating in uncommon areas and doors and windows don’t close properly when they use to.
Collapse is geological activity that can result in an abrupt collapse of the ground, a visible depression in the ground, structural damages to buildings, including the foundation. Usually these structures when found to be a safety hazard are condemned and an order to vacate is issued by the county. Structural damages can be an interior floor shift, foundation displacement, and significant damages to buildings may possibly result in collapse due to the instability of the ground.
More times than not we find insurance companies deny a covered loss. At times Insurance companies apply illegal tactics such as conducting unnecessary prolonged investigations and ultimately denying genuine claims. Don’t give up after a denial. Most policy holders with a valid claim who challenge a denied claim usually end up receiving a settlement payment. When your insurance company fails to pay a valid and legitimate claim in a timely manner it acts in bad faith. Don’t accept a denial without consulting with an expert and most definitely don’t allow the insurance company to get away with not paying you for your legitimate loss.
Call us today to assist you with this process and ultimately recover a fair settlement. We offer a completely free inspection with no obligations.
Many times policyholders are not aware that their loss has been underpaid by their insurance company. There is a deadline for you to reopen a claim.
(3) Years for Hurricane and Windstorm claims. Hurricane and Windstorm claims have a limitation of within three (3) years after the hurricane first made landfall or the windstorm caused the covered damage.
(2) Years for Sinkhole claims. Sinkhole claims must be within two (2) years after the policyholder knew or reasonably should have known about the sinkhole loss.
(5) Years on all other claims. Usually you have up to five (5) years to reopen your claim counting from the date of loss.
Don’t settle for less, if you feel you were not treated fairly with your claim or your insurance company underpaid you, call us today. We will fully inspect your property along with the denial letter from your insurance company. We offer a completely free inspection with no obligations.
Business Owner’s Policy (BOP) is an important policy for any business to protect and maintain its financial stability after a loss. Depending on your business needs you can find coverage for damages to your building, equipment, machinery, computers, inventory and loss of income which provides coverage to protect you should your operations be suspended resulting from a covered loss.
The process of presenting, negotiating and settling a business claim with your insurance company can be very complex. We will review your policy terms and conditions to determine whether the cause of loss is covered by your policy. We will complete a thorough inspection of the damages and document the necessary repairs needed. Business Interruption calculations are complex and need to be backed by data.
Call us today. We will fully inspect your business and guide you through the stressful process. We offer a completely free inspection with no obligations.
Loss of Use also known as "Additional Living Expenses" is for necessary expenses incurred after a covered loss. For example if your property is found to be uninhabitable due to a covered loss and your family needs to relocate to a temporary residence or a hotel until repairs are complete this coverage will cover the needed expenses to ensure your family maintains the same standard of living.
Loss of Rent known as "Fair Rental Value" reimburses the owner for loss of rental income during the time it takes to repair the damaged property after a covered loss. This coverage will pay the amount equal to what the owner could have received as rent payment.
Call us today. We will perform a complete inspection of the property and your loss. We work for the policy holder (you) and have your best interest in mind during the entire process. Fees paid to our office are made once we recover money for your loss. If we inspect your property and find no loss we do not collect a fee. If damages are found and you decide to hire our company to represent you we will receive payment based on a contingency basis, a percentage of the total amount recovered.