Water Damage and Claim. What can I claim for water damage? | People’s Insurance Claim Center

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Water Damage and Claim. What can I claim for water damage?

If you have experienced a situation of water damage or flooding, it is important to know what steps to take after that. This will help you avoid more trouble and inconvenience. As a lot of things might be damaged in the process of water damage or flood, a homeowner should understand the water damage claim process. This will also ensure that the homeowner receives compensation for his loss. A water damage claim is usually submitted to an insurance company involved in providing coverage for any water-related damages suffered by homeowners or tenants. In your best interest, the water damage claim should first be reported to a private-public adjuster as soon as the water damage occurs so that it can take the necessary steps to avoid water damages. What To Do Immediately After The Water Damage Occurs? You should immediately contact water damage companies that offer water extraction and water clean-up services. They are trained to respond quickly in water-related cases,...

List of things to do after water damage at your property.

We all know the feeling of dread when we notice water damage. It’s a sobering sight to see your home filled with standing pools and soggy debris after an unfortunate event like this one has occurred, but don’t let yourself feel helpless! There are things you should do right away in order for everything else can get put back together again- stay calm while making sure nothing lost or damaged; call professionals only if necessary because their expertise will help expedite clean up time on site so that more space isn’t occupied by messy cleanup procedures. What is considered water damage? Water damage in a property is typically considered to be any damage that has been done as a result of water infiltration. This can include water damage from a burst pipe, water damage from a storm, or water damage from any other source. It’s water damage dangerous for the homeowners? Water damage can be particularly dangerous for homeowners, since...

I have Mold in my Home! What should I do?

South Florida is a beautiful tropical climate, but with that climate comes constant humidity and damp. This is a perfect recipe for mold, as any leaking water will certainly not evaporate but instead constantly soak whatever surface it happens to settle upon. Mold is a common problem for homeowners in this area, but for those who have relocated from a drier, cooler climate you are likely unfamiliar with how to handle the discovery of mold in your home. Here are some things you should do right away to resolve the issue and get your property back to pristine condition. First, if the mold is in close proximity to the bedrooms in the home, or if there is a substantial amount, you should temporarily evacuate the home in order to eliminate the potential of illness in your family. Mold can cause all sorts of respiratory problems and infections, and depending on the strain of mold these can be life threatening. Best...

Tips for Getting Accurate Repair Estimates for Property Damage

For any property owner who has sustained damage to their home or business, the first step towards restoration is acquiring estimates for the cost of repairs. This sounds like a simple task at first, but as you delve into the process of finding service professionals and reviewing repair estimates it can quickly become overwhelming. Let’s look at some basic ideas to keep in mind as you go about getting estimates for your structural repairs, and some tips to make the process as painless as possible. As with any service provider, reputation is a key factor in the decision making process. If you are independently shopping for a contractor to repair your home, your first stop should be their reviews page on a third party website. Look for how long they have been in business, as well as for any reviews by other homeowners who had work done which is similar to your required repairs. Better still, ask your friends and...

Preventative Maintenance for Property Owners

As the owner of a home or business, you should be well versed in the necessary upkeep for your property. However, those who are new to the South Florida area may be unaware of some of the steps they should take in order to keep their home or business safe and damage free. Let’s review a few of the preventative maintenance tasks unique to the South Florida area which you as a property owner should incorporate into your annual home care routine. One of the biggest preventative maintenance tasks which should be completed every year is a review and trimming of any trees and other landscape features on your property. Trees are the number one cause of damage during a hurricane, as downed limbs transform into projectiles in heavy winds which could cause devastation to any structures on your property. There is no shortage of tree trimmers here in South Florida, and may offer annual contracts which include regular maintenance...

Water Damage to your Home – How to Begin Recovering

It is every homeowner’s nightmare – a burst pipe or catastrophic storm has led to water damage at your property. Water seeps beneath the visible surfaces of your home, undermining the integrity of the support structures within the walls and floors of your house. This sort of damage is often overwhelming to face, but do not let yourself feel helpless! There are things you should do right away in order to begin recovering from water damage at your home. What you should do immediately to start recovering from water damage to your home. First, you should remove any personal valuables from the vicinity of the water damaged area in order to salvage any items which have not yet been damaged by the flooding. Take care to ensure you are not putting your health at risk by entering the area damaged by water – there is no possession in your home which is worth your life to recover. Evacuate these items...

Hurricane Ida – A Sobering Reminder for South Floridians

As our thoughts and prayers are with the people of New Orleans and the surrounding areas, residents of South Florida should go over their own hurricane preparedness so you are ready should a strong storm visit our beautiful shores. There are more than a few things you can do to be better prepared for the inevitable hurricane, some of which will only take you a minute or two. Let’s look at some quick but important proactive measures you should take in order to lessen the potential devastation you may experience at the hands of a storm. First, you should keep a running file containing photos and receipts for all your valuable purchases contained in your home. Furniture, televisions, jewelry – anything with a substantial monetary value should be included in this inventory. Should you need to file a claim requesting the replacement cost value of any of these items, your inventory file will be an invaluable part of this claim....

My Neighbor’s Tree Damaged my Home – What Should I Do?

Here in South Florida, development of our beautiful shores has resulted in properties in close proximity to each other. While your neighbor’s trees may provide you some much desired shade, these landscape features could become a major headache should they damage your property during a storm. Many people assume that damage incurred as a result of a neighbor’s tree would be the responsibility of that neighbor, but this is often not the case. What, then, should you do to ensure you are appropriately compensated for the damage sustained to your home or business? You should first inform your insurance company of the incident and your intent to file a claim against your insurance policy. Ultimately your insurance company will determine liability, as they have the requisite experience and motivation to do so. You should also document the damage to your property with plenty of pictures, as well as pictures of the tree in question. If the tree was in a...

Choosing a Contractor to Complete Property Repairs

When your home or business requires regular maintenance or repair, you likely opt for the most reasonably priced service provider in order to minimize your out of pocket costs. While this route is best for your wallet, when it comes to more substantial repairs or rebuilds which occur after a catastrophe, the cheapest provider is not the best option for you. Here are a few things to keep in mind as you pick a service provider to restore your home or business to its original working order. When it comes to more intensive structural repairs, you want to be certain the contractor you pick has the appropriate experience and licensure in order to properly complete the necessary repairs. You should always ask to see your repair professional’s licenses, as proper licenses are required for them to be able to have your repair job properly permitted and documented with the local municipal government. Additionally, you should look for a contractor who...

What is a Public Adjuster?

The vast majority of homeowners and business owners across the country are unaware that public adjusters exist. This is not surprising, as the property insurance industry has done their best to avoid spotlighting the existence of these helpful third party assessors. As a property owner, it is beneficial for you to understand what a public adjuster is and how these professionals can help you recover all the funds due you during the insurance claim process. Let’s look at what exactly a public adjuster is and how their services may benefit you should you need to file a claim with your property insurance carrier. A public adjuster is an independent, objective third party whose role is to accurately assess the property damage you have sustained and to negotiate on your behalf with your insurance carrier to appropriately resolve your claim. This is a far preferable process for you as the property owner, given the alternative is relying on your insurance carrier’s...