Florida Allstar Public Adjusting, Inc,. handles water damage claims almost every day. In fact, the most common homeowners claim (non-weather related) submitted to an insurance company involves some sort of water damage inside the home or business.
These water damage claims easily account for 90 to 95% of the claims that occur. Please review your policy to make sure your policy does not have a cap on water. Many insurance policies are placing $10,000 caps on water damage to the inside of the house, and many people are unaware of this. It’s unfortunate, but not by mistake that some insurane companies are putting limits on water damage claims. Please be aware of this!
Why Are Water Damage Claims so Common?
This is because there are many sources of water in your home or property which have the potential to eventually fail, causing water leaks and damage. We have handled water damage claims which were caused by broken dishwasher water feed lines, refrigerator ice maker lines, shower pans, toilets, under sinks, underground pipes, air conditioner condensations pipes, and roof leaks. Ultimately, any one of these water leaks is sure to cause a huge mess in your home.
Collateral Water Damage–what is it?
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What many homeowners are unaware of is the extent to which a small amount of water can damage surrounding structures. In fact, many times surrounding structures are not actually damaged, but in order to properly repair the damage, surrounding structures must be taken out of the way, which makes them part of the claim.
Furthermore, sometimes restoration or EMS companies will create damage when they are doing a dryout or mold remediation, which was unrelate to the original water damage. These “collateral” damages are covered by your insurance company and your insurance company is required to pay. Not surprising, insurance companies oftentimes overlook this.
Example 1: Damaged drywall behind a kitchen cabinet. How does a homeowner replace the damaged drywall without completely removing the cabinets? This is what I call collateral damage.
Example 2: If you remove a kitchen countertop, it is necessary to remove the backsplash as well.
What we mean by this, is that there is almost always more expenses and work than what meets the eye, and it helps to be an experienced insurance adjuster in order to evaluate and assess the total extent of your damage. A homeowner does not want to miss anything and he doesn’t want to be shortchanged.
All things considered, please don’t believe that the best route to take is to trust that the insurance company adjuster will thoroughly evaluate your claim and make sure every little item is included and presented to the insurance company. Remember, insurance company adjusters work for insurance companies. They don’t work for you. They have an obligation to their employer. Therefore, you need a professional public or “private” adjuster who will work on your behalf, not the insurance company’s behalf, and not miss these damages.
Do you have water damage in your home? If so, please call our office for a FREE consulation and inspection. You need an adjuster who is on YOUR side and will put YOUR best interest ahead of the insurance company’s best interest. Make sense?
Call our office. We are ready to discuss your claim now. 954-659-8333