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Public Adjusters in Florida: Everything You Need to Know

by | Apr 5, 2023 | Claims news

Are you looking for a public adjuster in Florida? If so, you’ve come to the right place. In this article, we’ll provide you with all the information you need to know about public adjusters in Florida, and how they can help you if you need to file an insurance claim.

What is a Public Adjuster?

A Public Adjuster is a licensed professional in the state of Florida who represents the policyholder, or the person filing an insurance claim. The public adjuster works on behalf of the policyholder to help obtain a fair and equitable settlement for any losses suffered.

Public Adjusters are different from company adjusters, who work on behalf of the insurance company to investigate and evaluate a claim. Company adjusters are required to follow the policies and procedures of the insurance company, which can sometimes result in a lower settlement for the policyholder.

Why Do You Need a Public Adjuster in Florida?

A Public Adjuster in Florida can be very helpful if you need to file an insurance claim. By hiring a public adjuster, you can be confident that you have someone working on your behalf who has the experience and knowledge to help you obtain a fair and equitable settlement.

Public Adjusters can be particularly useful in cases of complex insurance claims, such as damage from storms, floods, fires, and other natural disasters. Public Adjusters can help document losses and assess damages, which can result in a higher settlement for the policyholder.

How to Find a Public Adjuster in Florida?

If you need to hire a Public Adjuster in Florida, there are several ways to find one. You can search online, in directories of public adjusting services, or ask friends or family if they know someone who can recommend one.

When searching for a Public Adjuster, be sure to verify that they are licensed by the state of Florida. You can also check their experience and background through the Florida Office of Insurance Regulation.

What is Let Us Claim Consultants Insurance Inc.?

Let Us Claim Consultants Insurance Inc. has been providing Home & Business Owners with a peace of mind for more than 14 years. Our mission is to advise and assist commercial and residential insurance policyholders through the overwhelming task of submitting an insurance claim to their insurance company. We specialize in exposing the damages that get overlooked by insurance companies while interpreting ambiguous insurance policies, helping you get the money you need to rebuild your home or business.

Conclusion

In summary, a Public Adjuster in Florida can be a valuable tool if you need to file an insurance claim. Public Adjusters work on behalf of the policyholder to help obtain a fair and equitable settlement. If you need to hire a Public Adjuster, be sure to verify their licensing and experience before hiring them. With the help of a Public Adjuster in Florida, you can obtain the settlement you deserve for your losses.

Name of cyclones and hurricanes for the Atlantic Ocean 2023

by | Mar 27, 2023 | Florida Weather News, News of climate interest

The 2023 hurricane season is approaching, and the new names for hurricanes and tropical cyclones that form in the Atlantic Ocean and the Caribbean Sea have already been announced. Each year, the list of names is selected by the National Hurricane Center (NHC) from a rotating list that repeats every six years. It is important to know the list to be prepared for any eventuality.

In this article, we will present the new names for the 2023 hurricane season and some interesting facts about this list.

The rotating list of names for the 2023 hurricane season includes 21 names in alphabetical order, starting with the letter A and ending with the letter W. The names are chosen from a rotating list used in the Atlantic Ocean and the Caribbean Sea, and names that represent the cultural diversity of the region are selected.

The new names for the 2023 hurricane season are as follows:

  1. Arlene
  2. Bret
  3. Cindy
  4. Don
  5. Emily
  6. Franklin
  7. Gert
  8. Harold
  9. Idalia
  10. Jose
  11. Katia
  12. Ledd
  13. Margot
  14. Nigel
  15. Ophelia
  16. Philippe
  17. Rina
  18. Sean
  19. Tammy
  20. Vince
  21. Whtney

The naming of hurricanes and cyclones is a process that began in the 1950s and has been used since then as an effective way to communicate information about the location and intensity of the storm to people in its path.

The rotating list of names was created in 1953 and has been regularly reviewed and updated since then. The list includes names for storms that form in the North Atlantic, the Caribbean Sea, and the Gulf of Mexico. When a storm is strong enough to become a hurricane or cyclone, it is assigned a name from the list.

Today, the naming of tropical cyclones is considered a useful way to communicate information about the location and intensity of the storm to people in its path.

It is important to remember that the name of a hurricane or cyclone does not reflect its strength or danger. A hurricane or cyclone can be equally dangerous regardless of its name. Therefore, it is important for people in affected areas to prepare properly and follow the recommendations of local authorities.

How are names for tropical cyclones selected?

The National Hurricane Center (NHC) is the agency responsible for assigning names to hurricanes and tropical cyclones in the Atlantic and Caribbean. The list of names is determined several years in advance and is reviewed every six years.

Each name of a hurricane or tropical cyclone is carefully chosen and selected from a predetermined list of names. The list includes names in Spanish, English, and French to reflect the languages spoken in the region. The choice of names for the list is based on several considerations.

These names will be used to identify storm systems that form in the area during the hurricane season, which typically runs from June to November.

In addition to the list of names, the NHC also uses a series of codes and icons to describe the intensity and movement of storms. These codes and icons are used on weather maps and charts to help people understand storm information.

The storm intensity code is used to indicate the wind speed and barometric pressure of the storm. Storms are classified as tropical depressions, tropical storms, or hurricanes, depending on their intensity. Tropical depressions have sustained winds of up to 38 miles per hour, tropical storms have sustained winds of 39 to 73 miles per hour, and hurricanes have sustained winds of 74 miles per hour or higher.

It is interesting to note that, although the names for the 2023 hurricane season were chosen in 2017, many of them have an interesting connection to recent events. For example, the name Grace was chosen before Hurricane Grace hit Mexico in August 2021, which caused a great deal of damage and loss of life. Similarly, the name Ida was chosen before Hurricane Ida hit New Orleans in August 2021, which also caused a great deal of damage and loss of life.

Another interesting curiosity about the list of names for the hurricane season is that, in the event that a hurricane is so deadly or costly that its name is retired, a new name will be selected to replace it on the rotating list. This recently happened with hurricanes Harvey, Irma, Maria, and Michael, whose names were retired after causing great damage and loss of life.

In conclusion, it is important to be aware of the new names for the 2023 hurricane season and to pay attention to the recommendations of the authorities.

How to avoid water damage

by | Mar 8, 2023 | Types of Damage

Preventing water damage in your home requires proper maintenance and care. Some water damage just can’t be fixed: There’s floods, rain, storms, and plumbing accidents. However, water damage is often preventable. Here we look at the best strategies homeowners can use to prevent water damage in their home.

Water damage is devastating and costly. Water damage claims are the most common type of home insurance claim and can arise from many sources, including weather events, plumbing problems, roof leaks, and even landscaping.

Watch what you put in your pipes to avoid water damage.

Installation problems are often the cause of water damage. The best way to avoid this type of water damage is to be careful about what you put down your drain. Here are some things to avoid to keep your home plumbing healthy.

Plant carefully to avoid water damage.

Nothing beats a well designed home. If you have a green thumb and like tending to shrubs, bushes and trees, that’s great. However, be careful what and where you plant. The roots of trees, shrubs, and shrubs can often become water pipes leading into your home.

Tree roots are strong and can damage pipes. A defective or leaking water pipe causes water damage in your home. Don’t plant anything with an extensive root system around pipes.

Your water bill can be the first sign of water damage. 

Small but continuous spills can go unnoticed and cause major water damage. Sometimes the only way to find such leaks is to closely monitor your water bills. Monitor your water bill for changes to notify you of changes in water usage. Keep track of your monthly water bill and investigate any changes in water usage.

Tree roots are strong and can damage pipes. A defective or leaking water pipe causes water damage in your home. Don’t plant anything with an extensive root system around pipes.

Clean gutters regularly to prevent water damage. 

Cleaning gutters may seem like a chore you can put off for a while, but clogged gutters can cause water damage in your home. Make sure the gutters are clean and free of debris so they can drain water off the roof.When your gutters are clogged, water collects on your roof and damages your roof and ceiling.

Clean your gutters twice a year to prevent water from entering the roof and causing damage. 

Harsh Chemicals. 

Sometimes a clogged drain is unavoidable. Not all clogged pipes cause water damage if you’re careful. If you have a shower or sink that drains slowly, you likely have a clogged drain. But before you pour harsh chemicals down your drain to clean a pipe, think again. Harsh chemicals can eventually damage drains, causing leaks and water damage.Instead, use a hose to unclog the clog, or call a professional plumber for help.

Grease. 

Don’t pour oil down the drain. As the fat cools, it will solidify and may become stuck in the tubes.It can trap other smaller particles and eventually clog the drain. Clogged plumbing pipes can cause water damage in the kitchen.

Roof Damage Can Cause Water Damage. 

A healthy roof is one of the best defenses against water damage. Like any other part of your home, the roof needs maintenance. Check your roof regularly to make sure it is in top condition.Roof damage can lead to water damage in your home. Start with these areas:

Shingles: Look for raised or damaged shingles. The shingles are designed to allow water to drain off the roof, but they cannot function properly if damaged. The result is water damage on the roof.

Flashing: To prevent water damage to the roof, ensure the flashing is in good condition.If the flange lifts or breaks, it must be repaired or replaced. Pay particular attention to areas with chimneys, vents, or roof joints.

Seals around the vents: Check the seals around the roof vents for cracks.

window seals and seals can cause water damage.

Another area of your home that needs maintenance is around the windows. 

Windows that are not properly caulked and sealed can allow water to seep in and cause significant water damage.Even a small amount of moisture near windows can lead to mold and rot.

Check your windows regularly to ensure the seals are not torn and that the seal is well protected to prevent water damage around the windows. Look for signs of water damage in the home, such as: B. Warping, peeling paint and discoloration.

Insurance claims in Florida

by | Jun 13, 2022 | Claims news, Types of Damage

Having insurance is very important to financially protect residential and commercial properties from loss or damage.

In this article we will talk about residential and commercial property damage or casualty insurance claims in Florida.

Let’s get started!

What will you find here?

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What are insurance claims?
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What is the process for a claim?
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What to do if the insurance company denied my claim?
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How do I make sure that the insurance pays me what is fair?
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Why do insurance premiums or rates go up in Florida?
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Most common insurance claims in Florida
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Exclusions in insurance policies

What are insurance claims?

Insurance claims are requests made by policyholders to their insurance company. These requests are intended for the insured (policy holder) to receive compensation for a loss or incident that is covered by their insurance policy.

Insurance policies are contracts between an individual and an insurance company. In this contract, the “Insured” individual agrees to pay monthly installments or premiums in exchange for having financial coverage on their property.

What is the process for a claim?

Each insurance policy must contemplate the procedure to follow to report a loss or accident. But this can certainly vary for each insurance company and is often complicated, so if you have one you can consult a Let Us Claim public adjuster.

“At Let Us Claim we are trained to orient, guide and represent the policy holder during the claim process.”

The policyholder or their representative must contact the insurance company to report the claim.

The insurance company will assign an insurance adjuster to assess the loss or damage to your property. The decision making of this insurance adjuster is usually in favor of the insurance companies. They will evaluate, take evidence and investigate the causes of the damage or loss; whether caused naturally, by negligence of the insured or by third parties.

After the evaluation of the insurance adjuster, the insurance company evaluates the causes of the damage and the coverages in your insurance policy. Because of this, you may receive compensation or a denial from the insurance company.

What to do if the insurance company denied my claim?

If you made a claim with the insurance company on your own and the insurance company sent you a denial letter for your claim, you can seek a second opinion. Let Us Claim Public Adjusters are a highly trained team to assess and reopen your claim.

How do I make sure that the insurance pays me what is fair?

By being represented by the public adjusters of Let Us Claim you can ensure that you will have a highly trained team and will fight for the highest possible compensation for your claim.

They will take care of evaluating your policy, inspecting and documenting the damage, making an estimate, contacting the insurance company and negotiating for fair compensation that covers the repair or replacement of the damage.

Why do insurance premiums or rates go up in Florida?

Insurance premiums or rates in Florida are on the rise, this can be caused by many factors.

Among them are:

– Natural events that cause an increase in the number of claims.

– Readjustments to rising property prices.

– Costs of construction materials, among others.

You also have to keep in mind that the premiums are related to the coverage of your insurance policy. Therefore, you should know that while your premium is cheaper, this will have more limitations and exclusions.

If you make a claim for damages or accidents caused by a natural event, this should not influence your insurance premium or rate, but equally if there is a general factor, the premiums of all the insured may rise.

Most common insurance claims in Florida

Insurance claims for roof damage are very common in Florida. This due to the bad weather that hits this area. Be it hail, gusts of wind, tornadoes, even hurricanes.

This roof damage can lead to other damages, such as roof leaks, causing water damage and mold.

Water damage insurance claims are also very common in Florida. These can be caused by broken pipes or plumbing. The most common places are the kitchen, the bathroom or the laundry room; even by the pipe of the air conditioners.

These types of damages are usually very serious and expensive, which is why it is advisable to have an insurance policy that covers all of your property in the event of an accident.

Exclusions in insurance policies

They are decisions corresponding to insurance companies, which exclude certain risks or can only exclude those risks when they occur under pre-established circumstances or conditions.

These exclusions indicate that the insurance will not apply coverage for damages mentioned therein or that have been caused by the conditions described above.

All insurance policies are unique; they may contain different characteristics and exclusions. This all depends on your area, type of home or business, date of construction, and many other factors.

Water Sinkhole Damage

by | May 25, 2022 | News of climate interest, Types of Damage

Sinkhole damage is very common in your home, usually these failures are caused by depression of the soil in a circular shape, they are considered a very common phenomenon in homes.

They can be easy or difficult to detect, the signs of damage are mostly visible and can be mitigated in time so that there is no major breakdown.

In this article we will teach you how to recognize water sinkhole damage in a practical and simple way.

Let’s get started!

What will you find here?

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Main signs of water sinkhole damage
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How to recognize a sinkhole?
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Soil depressions due to sinkhole damage
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Why does this happen?
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How do you detect sinkhole damage on the inside?

Main signs of water sinkhole damage

  • Cracks on the exterior or interior of the home’s walls: they can lead to the formation of a sinkhole if repairs are not made in time. Damage begins to be created because a water filter is created inside the structure and all of the wall material crumbles from the inside.
  • When sinkholes are out in the open, roads and highways can collapse and sink into the ground, this poses a great danger to drivers and the roadway.

How to recognize a sinkhole?

A sinkhole is defined as a kind of hole in the earth’s surface covered by water.  It is usually caused by erosion or dissolution of the limestone layer below the earth’s surface.

This damage can occur anywhere, but is most common in acidic soils.

Over time, these acids in the soil erode the limestone, causing it to sink and pull down the topsoil.

Sinkholes are generally difficult to reverse; the only way they can be minimized is if they are small and quickly detected.

Many insurance companies offer coverage for sinkhole damage, but mitigating the damage early reduces the risk of loss, so our public adjusters at Let Us Claim can help you with the claims process in the event of sinkhole damage to your home.

Soil depressions due to sinkhole damage

As mentioned above, sinkholes are one of the main signs of damage caused by water sinkholes.

When a sinkhole is created, the pools of water take the form of a circular pond that accumulates water, although as we know it is common to see “sinkholes” it is best to investigate thoroughly how it was created to find out a possible damage.

A characteristic of sinkholes is that when they have greater depth is that vegetation and plants begin to wither on the surface.

Why does this happen?

Because the same sinkhole damage pushes the moisture down that it created with the accumulation of water.

This is why there are deep wells that are considered sinkholes because of the amount of water they accumulate and erode inside the well.

sinkhole-2

How do you detect sinkhole damage on the inside?

  • In addition to cracks in the wall, you may encounter sloping floors.
  • Debris in the water you use for bathing or washing.
  • Typical depressions in your yard or nearby areas is a sign of sinkhole damage.
  • The interior of the home is also affected, in the case of closets they tend to disarticulate, it is advisable to perform a periodic review of these spaces in your home.
  • Excessive separation between ceilings and walls, as mentioned earlier in this article, is a sign of a water sinkhole caused by erosion between wall components mixed with water.
  • Ladder cracks are another red flag for you to file a claim with your homeowner’s insurance company for sinkhole damage.
  • If you have dead vegetation in your yard, it may also be a sign that a sinkhole is present.
  • The importance of verifying all these signs is because you can avoid a sinkhole in the affected area, which in the future may be irreparable.

Our public adjusters will always be happy to perform a free inspection of your home and accompany you through every step of your claim process to make it a success.