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Home fire insurance

Home fire insurance

Home fire insurance is one of the coverages that are always included in your insurance policy, but it is important that you have concrete details about it, you have to take into account if it is mandatory or how much it implies to have it.

In this article we are going to provide you with detailed information on how this type of coverage works and what fire damages it covers, in case of fire damage in your home.

What will you find here?

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Does my home insurance policy cover fire damage?
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What types of fire damage does my insurance policy cover?
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What about my valuables are also covered by the fire damage insurance policy?
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Is the home insurance policy effective in all fire cases?
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What to do after a fire in my home?

 

 

Does my home insurance policy cover fire damage?

In most cases it is mandatory for homeowners to take out a homeowner’s insurance policy with fire damage coverage, which covers the entire structure of your home. The only exception for the coverage to be extended to the ground or the exterior of the home is in the case of: explosions, sudden fires or extreme weather incidents (flood, earthquake, storm).

It is important that you keep in mind that it is mandatory to contract this type of insurance so that in extreme cases or fire damage you can make the pertinent claim to your company, with the support of one of our Let Us Claim public adjusters, and thus alleviate the burden of an arduous process.

What types of fire damage does my insurance policy cover?

When fire damage insurance is included in your policy, you become entitled to compensation when fire damage occurs, provided that the loss was unintentional.

This is a law that is present in the contract of your policy, there the company will specify in which cases the fire damage coverage does not apply:

Fire caused intentionally with the purpose of causing damage.
Fire caused by negligence of the owner or third parties for which the insured is responsible.

What about my valuables are also covered by the fire damage insurance policy?

No, valuables inside the home (jewelry, works of art, technological devices, etc.) must be covered by a different insurance policy, which is optionally added to the homeowner’s insurance to cover property damage.

Each insured person is free to estimate the value of the objects he/she wishes to be covered by the insurance and to choose the amount of compensation he/she wishes to receive in case of damage. This is a kind of “amount to be paid” in the homeowner’s policy. Our public adjusters at Let Us Claim will help you determine these types of additions to your home insurance policy and how to make a claim correctly, without so much confusion.

Insurance companies take into account the protection mechanisms or surveillance equipment you install in your home for fire damage in order to calculate the price of home insurance and valuables.

Is the home insurance policy effective in all fire cases?

As we have already mentioned before, those cases that have not been intentional will be insured. The insurance company will not cover fire damage caused by the insured party intentionally or due to gross negligence. It is very important to bear in mind that this clause is fundamental to avoid that the insured party himself may set fire to his home in order to receive compensation.

Before contracting the insurance, it is necessary to give a detailed reading to the clause on fire that it contains, because it is very fundamental that it includes the damage by fire or explosion, for that, if you already contracted an insurance company and you do not know which are its clauses, the public adjusters of Let Us Claim will help you to break down each one of them so that you have clear what type of home coverage you have and what damages it covers.

Check thoroughly if the fire damage insurance covers the real estate of the home related to fire, dust and smoke, also the most advisable is to check if the warranty proposed by the insurance company includes coverage for damage to electrical appliances.

For the rest of the damages, the insurance company will indemnify the damages produced by the fire when these have originated suddenly or have been caused by third parties intentionally.

What to do after a fire in my home?

If you suffered a fire or explosion in your home, you have 5 working days to notify the insurer of the loss. It is very necessary not to touch anything and leave the burned objects as they are. If necessary, make a photographic record of the fire damage and note down the objects that disappeared during the fire (as long as they are accredited by the insured party).

All these steps or tips are useful for the insurance company to calculate the indemnity.

The coverage of fire damage is one of the most important when you contract the insurance of your home, the name it carries is: multi-risk home insurance, but, as well as these, there are other essential coverages for the home such as: Civil liability insurance, damages to third parties and guarantee of theft to compensate for the damages produced by the same.

Home insurance policies have different functions and not all of them have the same coverages, but we can deal with that later in another article.

signs of a broken water pipe

signs of a broken water pipe

One of the most serious problems that can occur in your home is if you are faced with a water leak from a broken pipe. These problems start from the drain or near the groundwater and not just any type of structure leaks.

It’s almost always difficult to identify in the first instance what type of water damage caused that pipe failure. With the naked eye you can “spot” the signs of damage that directly affect your home.
That is why, in this article, we’ll advise you on what to do and how to determine the damage so that you can make a claim process under your insurance policy.

Let’s get started!

What will you find here?

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How can I identify a water leak?
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What other signs indicate that my plumbing is failing?
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My pipe is blocked, what should I do?
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No water pressure Is this due to the piping?
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My pipe has a bad smell, should I check it?
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Water comes out dirty Does this indicate damage to my plumbing?

 

How can I identify a water leak?

There are different places in your home where you can determine water damage in the pipes. For example, in the bathroom, in the kitchen and in the washing machine. But now let’s take a closer look at the specific fixtures where you can find them:

In the kitchen

– Dishwasher: Leaks appear where the water supply of the appliance is connected, it is important that you are periodically checking its operation.

– Refrigerator: If it has an ice dispenser, check that it is properly connected to the water line.
– Sink: Be on the lookout that the drain pipe is in place because usually the fault can be found underneath it.

In the bathroom:

– Showers and bathtubs: Water always leaks through the walls, one of the signs is that it is usually wet, this can determine that the fault exists and has been leaking for some time.

– Toilet: Check near the base rubber and the outlet pipe, the fasteners wear out over time.
Signs of broken pipes are not that difficult to determine, which is why you should know how much your homeowner’s insurance policy covers.

One way to determine the severity of the damage and your insurance coverage is to request a free inspection from a Let Us Claim public adjuster. Let Us Claim public adjusters work for you, protecting your rights against your insurance company. They will guide and represent you through the claim process, step by step to make the process easier for you.

What other signs indicate that my plumbing is failing?

The idea is that you make a frequent check of all the places where there are pipes inside your home, this in order to prevent water damage, these can have more serious consequences than expected.

My pipe is blocked, what should I do?

This is one of the most common signs when water damage occurs in pipes. One of the main recommendations is to unscrew or remove the grates from the drains, this will help to rule out blockages that do not allow water to pass through the area. Another homemade trick when there is a clogged pipe is to pour hot water with baking soda or vinegar to clear it.

However, it is important to note that the best thing to do if you determine signs of a broken pipe is to analyze your home insurance and seek a public adjuster to help you process the claim. This will depend on the type of damage specified in your insurance company’s contract.

It ‘s important to describe the case well, whether it was accidental or sudden damage.
If you have doubts about how to determine these things within your insurance policy, don’t worry, Let Us Claim will help you understand the coverage of your insurance policy and guide you through the claim process.

No water pressure Is this due to the piping?

Yes, and it also has to do with the previous point: clogging or leakage. The main recommendation is to open the stopcock more, if this problem is not solved the most advisable is to check if there is no obstruction of the pipe, if you also fail to identify the fault, the most advisable is to consult the damage with an expert to make a claim to your insurance company.

My pipe has a bad smell, should I check it?

In general, pipes do not have bad odors when they are in good condition, but if they do, the problem may originate in the dishwasher. Many times waste is thrown down there without generating awareness that this contributes to the growth of a possible damage that directly affects the pipe.

It is recommended to be careful, do not pour household or commercial substances to encourage the transit of waste because it can worsen the situation, if you want to make a claim consult the contract of your home insurance policy.

Water comes out dirty Does this indicate damage to my plumbing?

This is one of the most common problems when water damage occurs in your plumbing. But there is no need to worry as it is one of the easiest faults to fix.

This may indicate that they are just sediments stuck to the pipe and the liquid should be allowed to flow so that the water is purified, if by doing this, the water still comes out very cloudy, it is a sign of deterioration of the pipe, and may be due to age.

Water damage can be very common in your home, if you are not doing a periodic review of the pipes, over time they deteriorate and can cause problems with serious consequences, which if you let it happen will come at a high cost.

That is why you should be up to date with your home insurance policy and know how much it covers you. If you have a broken pipe in your home and you don’t know how to carry out the claim process, contact a Let Us Claim public adjuster, we will help you manage everything, we will follow up your case step by step to make it a success.

 

Damage caused by household appliances How can I make a claim?

Damage caused by household appliances How can I make a claim?

Damage from appliances can occur accidentally or suddenly, however, it’s important that you are checking the condition of your appliances periodically so that breakdowns don’t have greater consequences.

This way you will avoid disasters in the laundry area or where the dishwasher is located, although, in some cases they can be solved with new equipment that has durability, nevertheless, if you have a breakdown and the home insurance company covers your appliances the claim process will be much simpler with the help of a Let Us Claim public adjuster.

What will you find here?

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What are the damages that can occur in household appliances?
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Can household appliances be damaged by water leaks?
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Is it important to check my dishwasher to avoid water damage?
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Does the home insurance policy cover damages caused by household appliances?

 

What are the damages that can occur in household appliances?

One of the main breakdowns that are generated in the laundry room is the overflow that can occur accidentally. For example, if a sock somehow blocks the water outlet hose of your washing machine, therefore, it will flood your laundry room, in this case the insurance company will cover this damage.

If the overflowing water damages other items, such as your dryer or cabinets, personal property coverage should cover the loss. Let Us Claim’s public adjusters will assist you with your claim process.

You need to consider what type of insurance policy you have and how much coverage you have inside your home so that from there you can take care of the problem, as long as the damage is accidental or sudden and not a direct liability such as carelessness on your part.

Keep in mind that the damage to your appliances will depend on the location, the amount of water and the time of leakage that lasted, this can occur in dishwashers, washing machines, ice machines, air conditioners, among others.

Can household appliances be damaged by water leaks?

Household plumbing can also suffer a leak due to an accident or it can burst. In the case of your washing machine, it could be affected if the faucet isn’t properly adjusted and, consequently, doesn’t let the water flow properly to your appliance.

One of the main recommendations we can make is to constantly check how the water hose is in the inlet and outlet to your appliance, in order to avoid possible water leaks that may end up damaging your washing machine completely.

If your house has a dishwasher, it’s ideal that you periodically check the wall where the pipe that supplies water to this appliance is located, many times water leaks are invisible, that’s why it’s important that for these cases you have a meter, because if it continues to show water leaks, you should call your insurance company to make the claim and a public adjuster from Let Us Claim will process the damage.

Is it important to check my dishwasher to avoid water damage?

Yes, of course, the dishwasher hoses and filters should be checked periodically, making sure everything is working and in place correctly. One of the main causes of water leaks in the dishwasher is lack of maintenance.

That is why if you encounter this type of problem you should consider the following:

1.Replace the tank: this option may be feasible as long as the problem comes from the tub, everything will depend on the age of your device, although in general terms what is recommended to the customer is to make a change of dishwasher to alleviate costs.

Repair connections: If you have broken pipes, thinking about replacing them is easier than it seems, through the free inspection provided by a Let Us Claim public adjuster, it will be determined if they are major causes that require a claim, either by sudden or accidental damage of the pipe, and, therefore, caused the water leakage in your home.

If, even after inspecting, servicing and filing a claim, the dishwasher is still leaking, the best we can recommend is that you consider replacing the appliance before filing a claim, unless, as mentioned above, the problem stems directly from a general water leak within the home.

Does the home insurance policy cover damages caused by household appliances?

Whether it covers them in the case of water damage, or electrical damage, all depends on what your homeowner’s insurance policy contract states.

At Let Us Claim, our goal is to help you get the most out of your claim. You deserve to live in a decent home that is not affected by water, and that’s why we will guide you through every step of the claim process so that you achieve your desired payout by completing your claim.

We’ll analyze your insurance contract and look for exceptions and hidden coverages.
We’ll guide you through confusing policy wording and explain the coverage so you fully understand it.

How soon can you replace the roof of your home?

How soon can you replace the roof of your home?

Generally, your home’s roof is built to be durable and resistant to natural phenomenon (hail, tornadoes and rains), but, if you are experiencing leaks inside, it may be time to replace your home’s roof.

In this article we will show you the signs that your roof is showing when it needs to be replaced. There are many variables that can affect its performance and durability, so it is important that you learn how to determine when it’s feasible to replace your roof.

What will you find here?

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Useful facts you need to know about replacing your home's roof.
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Is your roof leaking?
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Does my insurance cover roof repairs?
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Do you notice water stains in some areas of your home?
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Will this situation cause me to completely replace my roof?
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Mold and mildew growth on the roof What causes it?
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Granule loss. Is it time to think about a roof replacement?
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How do I know if I have a structural problem and therefore need to replace my roof?

Useful facts you need to know about replacing your home’s roof.

This series of facts and signs will help you stop all those raindrops on the outside of your home, right where they belong, let’s start analyzing:

 

Is your roof leaking?

One of the first signs that determine the replacement of your roof is: finding water seepage in the attic, or in the eaves of the house, ice buildup can form because there are major leaks there and they originate within these spaces.

If after a little checking you found this in your home, a partial roof replacement may be necessary to correct the problem.

On the other hand, it’s worth noting that you can request an inspection and correct the situation immediately with an expert in the area, before your problem worsens and therefore has a much higher cost.

Does my insurance cover roof repairs?

If you have an insurance policy, you should make sure you have coverage for roof damage. At Let Us Claim our team of public adjusters will facilitate this process within your home; they will analyze your policy and guide you through the claim process, our mission is to get your insurance to cover the cost of repairing or replacing your roof.

Do you notice water stains in some areas of your home?

Another very crucial thing you should know in order to replace the roof of your home is the water stains that may be present on the walls or on the ceiling, they can also be considered unusual water leaks, and that is why you should investigate the cause.

These can appear during the winter season, where warm-humid air rises and condenses in the attic, beginning to accumulate considerable amounts of water that will then be exposed on the walls of your home, as we mentioned earlier.

Will this situation cause me to completely replace my roof?

Not entirely, when you determine the origin of the cause and get your first inspection of the damage, you can determine if you need a partial or total recovery of the roof of your home, that is, everything will depend on the severity of the leakage it contains.

That is why it is recommended that you are periodically checking the condition of your roof to determine that it does not have any leaks or if your walls do not have moisture stains; These small details make the difference in water damage, these can generate a roof replacement of your home.

Mold and mildew growth on the roof What causes it?

Mold and mildew damage on your roof is also caused by water seepage. To prevent this from happening, periodically check the insulation and see if it is dry, otherwise condensation and poor ventilation are present.

These microorganisms can have an adverse effect on your roof and will interfere with the air quality of your home and therefore can affect the health of you and your family.

It’s important to note that your home should have good air ventilation, and that you constantly check insulation, walls and other places where water can accumulate.

Granule loss.  Is it time to think about a roof replacement?

Yes indeed, in the autumn season this type of problems are more frequent on the roof of homes. Because they accumulate inside the shingles producing wear and tear, even more so when optimal cleaning is not maintained. This is why it’s recommended to perform maintenance periodically, in order to keep the roof free of granules or any object that can damage your roof and obstruct the drainage pipes.

This problem is often aggravated on roofs with asphalt shingles, because even though sufficient granules are included, they can be lost if they are not maintained: If you notice that your shingles are worn in some areas, you will have to consider a partial roof replacement, that is, putting new shingles on the areas where the granules have eroded.

How do I know if I have a structural problem and therefore need to replace my roof?

Sometimes structural problems are not taken into account and that can be the main cause of roof leaks, and therefore need to be replaced soon, the roof line can sag either by age or by a detail in the infrastructure of your home.

In some older homes or cabins, roofs are made mostly of wood or logs and over time can warp and buckle from excess moisture or heavy winter snow loads.

Cracks and other fractures are caused by pressure on the foundation, which can distort the walls and allow water to enter through these faults.

Therefore, it’s important to analyze all the possible signs of roof replacement in your home, not only in its structure, but also in the interior of the house. The experts at Let Us Claim can inspect your home at no cost.

Take a good look at the areas affected by mold, cracks, erosion and so on so that you can accurately determine the problem and whether it warrants a partial or total replacement of your roof.

At Let Us Claim we’ll help you with this process and our public adjusters will accompany you through the entire claim process with the insurance company that covers this type of damage.

Contact us!  407-610-2333

Most Used Roofing Types in Florida

Most Used Roofing Types in Florida

When you want to choose the roof that best suits your home, the first thing you should do is evaluate the conditions you have there, so you can determine which of the most used types of roofs will look amazing on your home and give it a new comforting and modern style.

Until recently, asphalt, slate or concrete shingles were pretty much the only roofing options available on the market. But that has changed today, today the materials have been renewed and offer an excellent range with different alternatives with new appearances.

In this article we will show you the most used types of ceilings in Florida today.

Let’s get started!

What will you find here?

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MOST USED TYPES OF ROOFS IN FLORIDA
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Solar Shingles
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Asphalt Roofing Sheets
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Metal roofing
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Stone-clad steel
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Slate
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A rubber sheet
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Ceramic tile and concrete brick.
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Green roofs
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Roof Waterproofing System
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Why are flat roofs less common on homes?
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Do you have roof damage?

MOST USED TYPES OF ROOFS IN FLORIDA

1. Solar Shingles

Advanced solar panels integrate seamlessly with existing shingles and can generate up to 1 kilowatt of electricity per 100 square feet. They are especially useful on solar roofs for homeowner communities that prohibit the use of conventional solar panels.

While they can help offset your energy costs with solar, they also cost more than traditional solar options.

2. Asphalt Roofing Sheets

Asphalt roofing sheets are the most popular roofing material in the United States because they perform well in all weather conditions.

Quality varies, so ask if they pass the ASTM D3161, Class F (110 mph) or ASTM D7158, Class H (150 mph) wind test and the AC438 strength test.

3. Metal roofing

Metal roofing consists of vertical panels or shingles with slate, ceramic and wood exteriors with a service life of about 60 years. This metal resists heavy snowfall, does not burn and is resistant to high winds.

It is lightweight and can be mounted on existing roofs. However, the metal can be noisy during storms and affected by hail.

Average costs range from $5 to $12 per square foot, depending on the type and style of metal; it costs more than asphalt shingles, but less than concrete shingles. Corrosion also depends on the material.

4. Stone-clad steel

In addition to slate, clay or tile, interlocking panels resist damage from impact rain (up to 8.8 inches per hour), 120 mph winds, impacts, hail and dew cycles. As ice melts.

Therefore, they are a cost-effective choice for wet and windy areas or fire-prone areas. Several stone-covered steel roofs keep the family safe.

5. Slate

Slate roofs can last more than 100 years. They are non-flammable, waterproof, mildew resistant.

Shale is effective in humid climates, but is expensive, heavy and can break easily if stepped on. Keep this in mind if you live in an area with hail.

6. A rubber sheet

Rubber slate has a natural look and can be cut with a knife to fit intricate roofs such as those on Victorian houses.

Rubber slate roofs can last 100 years, but can be damaged by satellite dishes and walking on them, and are also susceptible to hail, just like slate.

It’s difficult to find professional roofers trained to install rubber slate.

7. Ceramic tile and concrete brick.

According to the USC Institute for tile roofs. They are suitable for hot, dry climates. They may need additional support to hold their weight and may break when walked on.

8. Green roofs

Green roofs covered with vegetation improve air quality, reduce stormwater runoff and insulate homes, reducing urban heat islands.

However, they require additional structural support, moisture barrier, insulation, waterproofing, drainage, water filtration, soil, compost and plants.

Their useful life is about 40 years.

9. Roof Waterproofing System

This flexible roofing system consists of an adhesive coated with asphalt, bitumen or bituminous binder and is suitable for flat roofs only.

Plastic and gravel roofs, also suitable for flat roofs, are ideal for high traffic terraces. Such roofs can become sticky in the summer, making snow removal more difficult than with smooth surfaces.

They can last 20 to 25 years. You can choose the most commonly used types of roofing and which one is best for you ultimately depends on your climate, budget and home.

To find out what works best in your area, contact a licensed roofing contractor and check out some of the newer solutions near you to see what roofing material to use.

No matter what type of roofing you choose, there is always a risk of damage. Roofs can be expensive, so make sure you have insurance in case of an accident.

Why are flat roofs less common on homes?

Flat roofs, also known as low-slope roofs, are less common on North American apartment buildings because low-slope flat roofs tend to collect water rather than drain, similar to steeper roofs.

This may make them unsuitable for rainy or snowy weather, which is why they are not among the most commonly used roof types in the USA.

Remember that all flat roofs have a slope of 5 to 15 degrees to allow water to enter the drainage system (such as an awning, weep hole or drain).

Do you have roof damage?

Let Us Claim is a firm of Public Adjusters that represents you before insurance, our mission is to get you fair compensation to repair the damage to your roof.