Blog

How Insurance Policy Deductibles Work

Are you searching for homeowners’ insurance? If so, you might be curious about deductibles and how they work. Property, casualty, and health insurance products all have insurance deductibles. Simply put, they are out-of-pocket expenses you must fund before your insurance policy takes effect and begins to pay claims. It is like a business transaction. Here, you arrange to receive protection in exchange for paying the insurance deductible. That represents the risk you are willing to assum...

What You Should Know About

Most policyholders believe that having homeowners’ insurance provides them with full coverage and financial security if their property is damaged. Damage may include water, hurricane, fire, mold, cast iron pipe failure, etc. However, you should be aware that insurance companies typically take all reasonable measures to provide you with the least compensation possible when you file property claims in Orlando, FL. What Is Right to Repair? When you make a claim for a ...

Understanding Public Adjusters

A public adjuster is an insurance industry professional who can assist property owners in settling an insurance claim quickly. Hiring a public claims adjuster in Central Florida means a licensed insurance claims expert will represent you through your claim. A public adjuster does not work with the insurance company; they work for the insured and protect their best interests. As a result, a public adjuster gets the property owner the compensation they deserve. While your in...

Tips for Filing a Successful Roof Damage Claim

It's easy to take your roof for granted until a typhoon, fallen tree, or other disaster makes a mess of things. Then, if you detect any damage to your roof, you'll have to submit a homeowner's insurance claim to help lower your out-of-pocket expenses. Unfortunately, if you don't follow the proper steps when filing your roof claim, your insurer might underestimate or reject your claim! So here are some tips to get your roof claim right and receive a fair settlement to pay for y...

Mistakes to Avoid when filing Storm Damage Claims

Owning property in Florida has many benefits (hello, endless Summer). But with the bonus of warmth and water, we can also encounter more than our share of hurricanes and storms. Natural catastrophes can hit at any time—and when they do, you need to be ready to take the proper steps to mitigate storm damage and file an insurance claim for needed repairs. Here are some common errors made when filing claims for storm damage and how to avoid having your storm damage claim rejected...

Understanding Why Insurers Hire Claims Adjusters

If you have ever made a claim on your home insurance due to a hurricane or plumbing disaster, you've likely been in contact with a claims adjuster. Claims adjusters are employed by your insurer, but you may be curious about their role in the loss claims process. And why do insurers employ them? Let's take a look: Kinds of Claims Adjusters First, there are three kinds of field insurance loss adjusters, each with a different license type. Independent Adju...

Reasons You Might Regret Failing to Hire a Public Claims Adjuster

When a catastrophe strikes, time is literally of the essence. The initial 48 hours are critical. In some circumstances, you talk with your insurance company, and they inform you a loss adjuster will be meeting with you to specify the damage. At this moment, you believe you are protected and are good to go. But are you really? Loss and tragedy are overwhelming, and you often have more questions than solutions but communicate the wrong thing to the insurance company, and they may unde...

Five Questions to Expect from Your Insurer When You File a Claim

Bearing homeowners insurance seems rather straightforward. You encounter unforeseen damage or loss to your property, file a claim, and obtain compensation to cover your losses. If only it were so easy! Many insurers do their best to evade paying out claims. After all, it is in their best interest to refuse your claim or drastically underpay what you are entitled to according to your insurance policy. To ensure your claim is taken seriously and you obtain the maximum payout...

Mold Damage Insurance Claim Tips

Mold problems can be hazardous. Anytime there's a leak in your roof or plumbing, mold can grow fast. Mold can start to form within 24 hours before you even recognize that a leak has happened at your residence or business. As mold is difficult to see and identify where and when the damage arrived, dealing with mold problems with your insurer can range from irritating to downright tricky. Proving the mold developed due to a particular event is not always straightforward, but it is...

How to Handle an Insurance Company Claim Denial

Your insurance claim was denied, and now you are wondering what you can do. While reopening rejected claims differs from state to state, luckily, you can reopen your claim for up to five years in Florida. Reopening a rejected claim can be frustrating and time-consuming and might not always end in an authorized claim. Still, the opportunity is there to reopen. Our public claims adjuster in Central Florida will work with your insurance company...