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Insurance claims in Florida

Insurance claims in Florida

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

Water Sinkhole 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.

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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.

What Florida Residents Need to Know about Sinkholes

What Florida Residents Need to Know about Sinkholes

As a responsible homeowner, it seems as though your to-do list is never-ending. There’s always another home repair or maintenance project for you to consider.

Living in Florida, though, presents even more challenges. Not only do you have to deal with hurricane damage sometimes. In addition, Florida sinkholes are no small matter to deal with.

If your home has damage from a sinkhole, you need to take action as soon as possible. There’s no need to procrastinate when it comes to sinkhole damage. Doing so could mean you risk further damage later on.

Consider the following statistic regarding United States homeowners. It indicates that the average homeowner spends one to four percent of the home’s overall value on home improvement projects every single year.

Don’t spend additional money later on because you avoided dealing with sinkhole damage. Keep reading, then, to learn everything you need to know about them.

What will you find here?

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First, What Are Sinkholes?
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Why Are Florida Sinkholes So Common?
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What Are The Warning Signs of Sinkholes?
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Is Sinkhole Damage Covered by Home Insurance?
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Can You Take Preventative Measures Against Sinkholes?
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Take Care of Your Home's Damage from Sinkholes

First, What Are Sinkholes? 

If you’ve never seen the ground open up and swallow something – or someone – whole, count yourself lucky. It’s an unfortunate truth that sinkholes are naturally occurring. In fact, they happen more often in developed areas as opposed to undeveloped areas.

There are two main things that cause a sinkhole: water and carbon-based bedrock. One example of carbonate rock is limestone, which is unfortunate. Limestone is of particular prevalence throughout the southern coast of the United States.

Beneath the surface of the earth, cavities form when significant water leaks down below. These cavities can be of varying sizes. The larger ones, of course, present the most danger to us on the surface.

The reason carbon-based bedrock poses a threat is that upon contact with water, they start to decay. After water sinks through the earth’s soil, it becomes acidic. Then, it causes decay in limestone or other carbon-based bedrock.

Why Are Florida Sinkholes So Common?

The combination of significant water and limestone bedrock is why Florida is so prone to sinkholes. It’s true that living in Florida means you’re already prepared to handle hurricane damage as needed. Well, that hurricane water has to go somewhere.

So, it sinks below the surface of the earth. As mentioned above, the southern coast of the United States has a major presence of limestone underground. This is true, in particular, in the hurricane-prone state of Florida.

That’s why Florida sinkholes have continued to increase in number over the years. If you’re a homeowner in Florida, it’s essential that you take note of this unfortunate trend. Keep reading to learn the warning signs a sinkhole may occur near you.

What Are The Warning Signs of Sinkholes?

Most of the sinkhole warning signs are obvious if you know what to expect. For one thing, huge cracks in the ground are a great indication that a below-the-earth cavity is starting to lose stability.

If a large crack occurs in the ground near you out of nowhere, get prepared. Stay clear of the area as much as it is feasible. It’s likely that this location is going to be the home of a sinkhole soon enough.

Another indication of a potential sinkhole is that of random pools of water. These pools of water are more than just small puddles after a big storm. Rather, these pools of water will rise from the ground without an obvious explanation.

In addition, keep an eye out for randomly slanting doors or trees. If the ground seems to be unlevel all of a sudden, a sinkhole might be the next event in the area. The good news, though, is that the resulting damages might be covered by your homeowner’s insurance.

Is Sinkhole Damage Covered by Home Insurance?

Of course, it’ll be your responsibility to do the research and determine whether sinkhole damage is covered by your insurance. Not every homeowner’s insurance policy is that all-encompassing, after all.

If you have to, don’t be afraid to seek professional guidance on the matter. Experts in insurance claims will help you navigate those finer details to ensure your rights are covered.

After all, sinkholes cost a significant amount of money throughout the United States. On average, they cost the country around $300 million every year. In other words, don’t cut corners when it comes to insurance coverage.

In fact, it might be in your best interest to invest in a homeowner’s insurance policy that does cover sinkhole damage. This is going to be especially true for residents of the state of Florida, by the way. Doing so is going to be the best way to reduce the costs of potential sinkhole damage.

Can You Take Preventative Measures Against Sinkholes?

There aren’t too many things you can do to prevent sinkholes from occurring. The major thing to remember is that the heavier the surface, the more difficult it’ll be for the underground cavities to maintain stability.

For that reason, at least try to refrain from adding too many additional square feet to your home. That way, you won’t be adding extra strain to the already precarious limestone bedrock.

Take Care of Your Home’s Damage from Sinkholes

At this point in the article, you have a thorough understanding of Florida sinkholes. It’s true that there are a lot of ins and outs to navigate when it comes to sinkhole damage. For that reason, it’s in your best interest to hire professional repair services sooner rather than later.

Still, those repair services could cost quite a bit. That’s why it’s essential that you determine whether those repairs might be covered by your insurance policy.

The good news, though, is that there are experts available to guide you through that process. You don’t have to negotiate with your insurance company all by yourself.

In fact, that’s where we can come into play. We prioritize providing our clients like you with expert guidance on navigating home insurance policies. If your home has experienced damage from a sinkhole in Florida, we’re here to help.

That’s why we encourage you to browse through the rest of our website to see how we can help you today. To start, check out more information about our expertise in sinkhole damage insurance claims.

Public adjuster

Public adjuster

Home Family

One of people’s biggest dreams is to have their own home or business.  

We feel successful and proud that by our effort we achieve what we deserve. 

We have a heritage to offer our family; or for those who live alone: get the feeling of comfort.

Having the house or business we have worked so hard for; the most important decision is to find the best way to protect it and guarantee that our investment is safe and that no circumstance can take away the result of our effort. 

What will you find here?

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Insurance Companies.
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Analyze the options
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How to file a claim?
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Where did Insurance Adjusters come from?
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Types of Adjusters
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Insurance Adjuster
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Independent Insurance Adjuster.
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Public Adjuster.
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Let Us Claim Consultant Insurance inc.
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Benefits of Hiring an public adjuster Let Us Claim.
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Certified Public Adjuster.

Insurance Companies

Analyze the options

Sometimes when people hire an insurance company, they focus their attention only on the cost of the policy. In addition, they forget that in order to make a good purchase decision, it is necessary to analyze the benefits of the policy. 

Some people do not know the real coverage of their insurance policy or do not know what an insurance policy is. It is necessary to get informed and analyze the options in order to buy the policy that best covers your needs. 

How to file a claim?

Most people will do so out of desperation and frustration when filing a claim, then they will accept whatever money insurance offers to repair the damage. 

A few policyholders are not experts in insurance claims and when they file their claim, inexperience works against them. This gives the insurance company an advantage when analyzing damages and estimating a compensation cost.  

Sometimes people must repair damage on their own. Hiring outside parties and paying with their own money for damage to their home or business.  

Where did Insurance Adjusters come from? 

Considering the benefits and weaknesses that the insurance industry faces daily, it is necessary that a professional oversees making an accurate damage assessment.  

This professional has the necessary knowledge to know the characteristics of:   

-Analyzing damages.   

– Calculate the probability of their increase.   

– Verify their origin.   

– Analyze the impact they may have in the long term within a property.   

This is how the Adjusters opened their field within the insurance industry. Preparing themselves to be state licensed and accredited to advance the insurance policy claim process.   

After being licensed, these professionals have the option to choose their place in the industry and their field of action. Currently, there are three types of them.   

Free Inspection

Types of Adjusters

 

1- Insurance Adjuster.

These professionals apply their expertise in the evaluation and calculation of claim settlement estimates. In this case, their part in the decision making is in favor of the insurer.  

They analyze the damage to your property. They will check if the damage is covered and even if there may have been negligence on the part of the customer. The objective is that the insurance pays the minimum possible value, avoiding legal problems. Safeguarding the financial interests of the insurance company. 

Insurance Adjusters normally work under contract with a specific insurer. 

 

2- Independent Insurance Adjuster.

They are independently licensed adjusters. However, like those mentioned above, they are in the service of insurance companies. 

Unlike Insurance Adjusters, Independent Adjusters do not work for a single company. They work for the company that pays their fees for specific cases or specific seasons.  

3- Public Adjuster.

The purpose of these adjusters is to work on behalf of the client. In addition, supporting and representing their rights to undertake a negotiation for the fair claim settlement.  

The function of these adjusters is to represent the policyholder during the entire claim process. Their mission is to ensure that the payment is completely fair and covers the full cost of repairs.   

Their objective is to advise clients on the best way to get the most out of the policy they have purchased and not be forced to incur additional expenses for a claim that should be covered by the insurance.   

On several occasions, some adjusters decide to join forces and form companies to serve all policyholders.  

Public Adjuster

Let Us Claim Consultant Insurance inc.

was formalized as a firm of Public Adjusters serving Residential and/or Commercial policyholders.   

Each one of our Public Adjusters has the necessary experience to support policyholders when filing a claim. They will guide them through all the necessary processes to receive fair treatment from their insurance company.   

During our years of experience in the industry we have handled thousands of claims. We have observed how some insurance companies do everything possible to get rid of their responsibilities when covering damage to properties.  

We know that the process of filing a claim is complicated and some policyholders prefer not to file a claim and assume the costs of repairing the damage themselves.  Sometimes they will accept any unfair amount of money the insurance company offers, even if it is insufficient to repair the damage. 

Benefits of hiring a public adjuster Let Us Claim.

We guide homeowners and business owners through the claim process. We make available all our experience in advising and keeping our clients informed. Our goal is to get you the results you deserve when dealing with your insurance company.   

At Let Us Claim Consultant Insurance Inc. we recognize the importance of our clients; we know the effort behind having assets and wanting to protect them through an insurance policy.   

We understand that policyholders have the right to be protected. The money they invested to have coverage for damage that may occur to their property should be for that purpose.   

When a person makes the effort to purchase an insurance policy, they should always have the peace of mind of being able to use it without fear that their claim will be denied. It may be that the payment for your compensation is unfair or that the value of the premiums increases.   

As a solution to this situation, we put a whole team of experts ready to fight with all their knowledge to protect each policyholder.   

Certified Public Adjuster.

At Let Us Claim Consultant Insurance Inc. our team of Public Adjusters have the necessary credentials to practice this profession in the state of Florida.   

We want to help the policy holder as best as possible.   

We study each case in detail.  

We perform detailed inspections and make an estimate that actually covers the full repair value of the damage. We know that our clients deserve the best and we do not rest until we achieve the best for each one of them.   

Our motto is “We don’t settle for less” and every day we put all our effort to fulfill it.   

If you need to make a claim process for damages to your property, do not hesitate to contact us.   

Call us at (407)610-2333 

no te conformes con menos
What are damaging winds?

What are damaging winds?

Damaging winds are often called “straight-line” winds to differentiate the damage they cause from tornado damage. Strong thunderstorm winds can come from a number of different processes. Most thunderstorm winds that cause damage at the ground are a result of outflow generated by a thunderstorm downdraft. Damaging winds are classified as those exceeding 50-60 mph.

Are damaging winds really a big deal?

Damage from severe thunderstorm winds account for half of all severe reports in the lower 48 states and is more common than damage from tornadoes. Wind speeds can reach up to 100 mph and can produce a damage path extending for hundreds of miles.

Who is at risk from damaging winds?

Since most thunderstorms produce some straight-line winds as a result of outflow generated by the thunderstorm downdraft, anyone living in thunderstorm-prone areas of the world is at risk for experiencing this hazard.

People living in mobile homes are especially at risk for injury and death. Even anchored mobile homes can be seriously damaged when winds gust over 80 mph.

trailer-wind-damage

Frequently Asked Questions About Damaging Winds