Should I File An Insurance Claim For Water Damage – Water damage is the No. 1 type of claim in Florida. Almost every type of claim involves some form of water damage from roof leaks, broken pipes, hurricanes, fires, water leaks and other claims.
Your homeowners insurance policy has certain guidelines on reporting claims. Some policies will say you need to report a claim within 3 days, some policies will say “within a reasonable time”.
Should I File An Insurance Claim For Water Damage
Homeowners Insurance companies in Florida put water damage limits of $10,000 on their policies and most people have no idea. They also exclude water damage entirely. This means that if you have any water damage, no matter what the amount, you will be denied any payment by the insurance company. Let me give you this piece of advice, no matter what the discount is on your policy, you are playing Russian roulette. Again, water damage is the No. 1 type of claim in Florida, taking a big chance on a possible financial disaster.
Water Damage Claims
With water damage limits and water damage exclusions in place on Florida home policies, the focus on WHEN to report the claim will be less scrutinized.
Some homeowners policies state that if a water leak exists for more than 14 days, you will not have coverage for your loss. There is a way around this kind of language. The insurance adjuster will try to tell you that the leaks are older than 14 days in most cases. They can also hire an “engineer” who is not on your side, to even say that the leak is an old or long-standing problem.
The obvious answer is immediately. However, sometimes there are reasons for not being able to report the claim on the same day. Try to do your best to report the claim within 7 days of noticing the leak.
Home insurance companies are always looking for ways to DENY coverage, instead of trying to find ways to APPROVE coverage. That said, don’t give them a reason to deny your claim. However, if your water damage claim has been denied, don’t worry, I can definitely help you.
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What you say will carry weight forward. Whatever you say can determine the success of your claim. It’s that simple. Follow the KISS method when submitting your application.
Leaks immediately will give you a better chance of your claim being paid. Long-term leaks are usually not covered by insurance companies, however, we have a way to get a long-term leak claim through a loophole that we use against the insurance company. But again, please keep point #1 in mind. If you have a long-term leak, I would suggest you get a public adjuster to put your claim in the best possible situation to get paid.
Before running out to get an estimate from a contractor, be sure to allow the insurance company’s agency to come out first to make their estimate. Then, ask for a copy of the estimate.
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Let them make their estimate, then get a copy of the estimate, it will allow you to see how badly they are trying to take advantage of you by paying the claim as low as they can.
Make sure you get an invoice from the plumber (if repairs were made). Take pictures of any pipe replacements, bad water lines, any water valves that have been replaced. Anything that the plumber has replaced, I make sure to ask the plumber to keep or at least take pictures. Also, take photos or videos of any damage caused by water.
Once the adjuster has arrived at your home, you have asked for a copy of the estimate and you have it, if the claim amount they offer is a low figure, I would suggest one of two things:
You can request a re-inspection on the basis that they did not recognize and account for the true value of the claim. They failed to take into account all the damages in their estimate.
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The following are additional “final” attempts that you can possibly take to try to get your water damage insurance claim.
Email should be your primary form of communication. You want a paper trail of the conversations. Never write long emails. Keep all emails to 1-3 sentences if possible. Any phone conversation should be your secondary form of communication. Each phone conversation should then be put into an email summary of the discussions that took place.
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Water leak insurance is a type of insurance that helps cover repair costs if your home or business suffers water damage from leaks. It can also cover the cost of any temporary accommodation you may need while your property is being repaired.
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To make a successful water leak insurance claim, you will need to provide evidence of the damage caused by the leak and any receipts for repairs or temporary accommodation. It will help if you maintain a correspondence with your insurers, such as emails or letters.
Water leak insurance can cover various expenses associated with water leaks, including repairs, replacement appliances, and even lodging if your home is uninhabitable. To make a successful claim, you will need documentation of the leak and any damage. Keep all receipts and invoices related to the incident so you can provide them to your insurer. In the middle of the vibrant life of Miami, water leaks can strike unexpectedly, turning a quiet home into a source of stress. This comprehensive guide aims to navigate homeowners through the process of filing a water leak insurance claim. From the immediate steps to take after discovering a leak, to understanding the role of a Public Adjuster in Miami, this guide provides actionable advice. Learn how to effectively document the damage, negotiate with your insurance company, and avoid common pitfalls that could jeopardize your claim. With more than 50 years of combined experience, Alconero and Associates Public Adjusters are highlighted as the trusted partner you should have by your side during this process.
Signing up for homeowners insurance is a simple process, and paying your insurance premium is usually hassle-free. But when it comes to filing a homeowner’s insurance claim in Miami, especially during the city’s hottest summer