Got property damage? Call United Claims Specialists at 305.948.3545 to receive a free home inspection & policy review. Expert Public Adjusters on your side!
Public Adjuster Jupiter. Why You Should Not Accept an Insurance Company’s First Offer - United Claims Specialists. After your home has sustained damages, large or small, you are going to contact your homeowner’s insurance company and file a claim so that you can get the money you need to move on with your life.
You need to make repairs and replace things that were damaged, so you may be willing to take the first check your insurance company offers you, but there are some reasons why you should not do that. Depending on exactly what type of loss you suffered, there could be damages that were not instantly visible, so the independent adjuster could not factor them into your settlement. Until the work begins, you may be unaware of damages inside the floors or walls, or mold and mildew popping up from water damage. Public Adjuster Plantation fl - United Claims Specialists. Finding the right public adjuster is no walk in the park.
We hope you don’t ever find yourself in a circumstance where you do need a public adjuster, however, if you do, there are some important questions you should ask yourself before making your selection. Do the public adjusters here have the training and experience I need to succeed? What claim services can they assist me with? Are they reliable and do they have a proven track record of excellence? These are just some of the things you will want to consider before settling on any particular public adjuster in Plantation, FL. We pride ourselves on proving outstanding services to members of the Plantation community and beyond.
The Coronavirus and Physical Damage - United Claims Specialists. Most insurance companies have excluded pandemics from their policies, so you cannot get your business disruption insurance to cover your losses from the Coronavirus.
Since that is the case, when the first Coronavirus lawsuit was filed recently in Louisiana, they took the stance that the virus caused physical damage to the property. This case is likely going to set the precedence on how other Coronavirus lawsuits will be handled. This virus is so dangerous that the government has ordered businesses that are not considered “essential” to shut down, and everyone is supposed to be cooped up in their house if they do not have to do something that is considered necessary. The Coronavirus lingers on surfaces for about 48 hours, and anyone else who contacts it in that time is exposed; this had led to the thoughts that this is damaging the property. Lauderhill water - United Claims Specialists. Water is everywhere.
In fact, over 70% of the planet’s surface is water. Your home has plenty of water as well, in pipes, appliances and other places. While this water doesn’t cause damage when it stays where it belongs, water damage can still be a problem for many homeowners. Why Your Insurance Premium May Go Up When You Renew - United Claims Specialists. When you receive your insurance policy renewal information, you may discover your premium has gone up and be wondering why, especially if you have not filed any claims recently.
There are a number of reasons why your rate may have gone up, which may is usually never explained in your renewal information. Actuaries assess the risks of insurance policies, using math, financial theory, and statistics to forecast the probability and costs of an event. “In the insurance industry, actuaries spend a lot of time trying to predict how likely customers are to file a claim. The higher the probability, the more they can justify charging you higher insurance premiums.” This is one of the reasons your insurance premium might be going up. Tallahassee Hurricane Michael Damage. Advise & Assist – One of the first steps our public adjusters will take in ensuring your claim’s success, is actually listening to your story.
This will help us better understand the type of damage or loss you are facing, which in turn will help us better advise you and assist you in regards to how you should present your claim documents. Review – Dealing with Homeowners Insurance Adjusters - United Claims Specialists. Does Homeowner’s Insurance Cover Land Erosion? - United Claims Specialists. When heavy rains roll in, you may discover that they have taken with them some of your land.
This can be a small amount of your yard, or it can shift your entire house, meaning you will have to make repairs to it. If you find yourself losing your yard to erosion, you may assume your insurance policy will cover you, but unfortunately, “earth movements” are usually excluded from homeowner’s insurance policies. Most insurance policies have exclusions they will not cover, which usually includes earthquakes, sinkholes, landslides, and mudslides — all of which are considered earth movements. The U.S. Geological Survey estimated that the annual losses for landslides in the country is between $2 billion and $4 billion per year, so if you are hit with one, you may be looking at an expensive bill. Retaining Walls If your home is in a location that is susceptible to landslides or erosion, you can — and probably should — put up a retaining wall to help keep the ground where it belongs.
What Factors Influence Home Insurance Rates? - United Claims Specialists. There are many factors that go into your insurance company deciding what your premium will be, and while some may be obvious, like the level of coverage, location, and quality of the house, there are some hidden factors that go into your insurance premium.
These are some of those lesser-known factors. Fire Protection How far away your home is from a fire hydrant and the quality of your local fire department is something that can be factored in. Electrical Fire Damage Insurance Claims - United Claims Specialists. Electrical fires are the leading cause of home fires in the country, causing approximately 51,000 fires every year, leading to over 1,400 injuries and 500 deaths, and about $1.3 billion in property damages.
Fires can cause massive damages to a home, including damage to drywall, insulation, flooring, HVAC systems, and other structural damages, in addition to the losses of personal property within the home. Before You File Before filing your insurance claim for an electrical fire, make sure you get the case number from your fire marshal to include in your claim. Once the site has been deemed safe by your fire department and power company, you can begin to survey the damages. Take photos and videos of the damage and begin putting together a list of the damaged property. Burden of Proof in Florida Homeowners Insurance Claims - United Claims Specialists. After suffering a loss, you file your insurance claim to get help covering the damages and provide documentation to back up your claim.
Your insurance company may want you to think that the entire burden of proof is on your hands, but in Florida, after you have initially given them evidence to show the losses, you have fulfilled your burden of proof obligation. In your insurance claim, the initial burden of proof is not a big one. Condo Insurance Claims - United Claims Specialists. Owning a condo is much different than owning a home, since you do not own the building itself or the land it is in. Condominium complexes have a homeowner’s association that handles the grounds keeping and maintenance of the structures, and they have their own master insurance policy to cover damages to the exterior or accidents that happen in common areas or outside on the property, though you still have to have your own individual insurance policy for the interior of your home.
Sometimes when your home suffers damage, it may be unclear whose insurance policy should be covering the damages, your condo insurance or the HOA’s. These are some of the things that each policy covers, to help you decide which insurance company to file your claim with. Condo Insurance These are some of the things you would file a claim for with your condo insurance policy, not the HOA’s.
Damage to the Interior Indoor Injuries Theft Your Condo is Uninhabitable Damage Exceeds the HOA’s Policy Limit. United Claims Specialists. West Palm Beach Public Adjuster. Why Call a West Palm Beach Public Adjuster? The Sunshine State is also home to the most lightning strikes per year, making Florida home to considerable damages. Whether it’s hurricane season or the middle of winter, there are many damages faced by businesses and homes throughout the state.
Miami Boat Insurance - United Claims Specialists. When your yacht, boat, pontoon, jetski or other marine vessel has been damaged, consulting with a public insurance adjuster that specializes in marine damage claims is crucial. There are varying types of coverage regarding marine damages. Understanding your coverage and maximizing your claim starts by calling our expert adjusters at United Claims Specialists. We are here to help you get the highest possible payment for your marine damage claim. How can a public insurance adjuster help with marine damages? Boats, yachts and other marine vessels can sustain damages both at sea and on land. Lightning DamageVessel GroundingExplosionFire DamageTheftVandalism There are many components of marine vessels that can be damaged by the above. Insurance Adjusters South Florida - United Claims Specialists.
Port st lucie public adjuster - United Claims Specialists. Finding the right public adjuster is no walk in the park. We hope you don’t ever find yourself in a circumstance where you do need a public adjuster, however, if you do, there are some important questions you should ask yourself before making your selection. Do the public adjusters here have the training and experience I need to succeed? What claim services can they assist me with? Are they reliable and do they have a proven track record of excellence? These are just some of the things you will want to consider before settling on any particular public adjuster in Plantation, FL.
We pride ourselves on proving outstanding services to members of the Plantation community and beyond. United Public Adjusters.