When you’re wondering what to do after water damage, start by reviewing your homeowner’s insurance policy. It should spell out the types of damage that are covered. In general, policies that do not include flood insurance cover the effects of sudden internal water damage. This category could include an overflowing appliance or plumbing fixture, a burst or frozen pipe, a leaking roof or damage caused by extinguishing a fire. Damage from snowstorms and heavy rains is also typically covered.
Many policies categorize water damage as flood damage when the water involved first touches the ground. This also rules out damage caused by ground seepage. In addition, coverage will be denied if the insurer determines damage was caused by negligence, such as ignoring an existing problem with the roof that leads to water entry.
Carefully read the information provided by the insurance company along with the rejection of your claim. Sometimes, claims are denied because they don’t provide sufficiently detailed information. Follow the instructions to make an appeal and include additional information about the damage as requested, including photos, receipts and repair estimates. You can also request that the adjuster employed by the insurance company review his or her initial estimate.
If your claim is denied a second time or the insurance company stands by the original estimate, you may want to engage the services of a public adjuster in Miami. Although you will have to pay for an independent estimate, the information provided will give you leverage when it comes to disputing the estimate provided by your insurance company.
When the insurance company refuses to budge on the coverage amount even with the input of an independent adjuster, you may need to hire an attorney to review your claim. If your settlement amount is more than $1,000 less than the cost of your water damage repairs, legal counsel could be a worthwhile investment.
If you feel you have been unfairly treated by your insurance company, you can file a complaint with the insurance department in your state. A representative will gather details about your situation and determine whether you have a justified complaint. He or she may help you negotiate with the insurance company for a fair settlement.
It can be frustrating when you feel you aren’t getting the compensation you deserve from your insurance company. Hiring a professional adjuster and/or an attorney can help you receive your entitled water damage coverage.
He began his career working as a carrier adjuster in 2008, now with over 11 years experience he has taken on a passionate role advocating for homeowners. He has experience handling all of the following types of losses:
Hurricane, Tornado, Wind Storm, Flood, Water Damage, Fire and Smoke Destruction, Theft/Vandalism, Mold, Hail, Roof Leaks.
Please call us today to schedule your FREE consultation, we look forward to working with you!
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