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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. 

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 claims 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 claims settlement estimates. In this case, their part in the decision making is in favor of the insurer.  

This analysis to damage your property. It 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 Adjuster normally work under contract with a specific insurer. 

2- Independent Insurance Adjuster.

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

Unlike Insurance Adjuster, 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 adjuster 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 adjuster 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 an public adjuster Let Us Claim.

We guide homeowners and business owners through the claims 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

Types of water leaks in the bathtub.

Types of water leaks in the bathtub.

Because bathtubs, with or without integrated showers, get such frequent use and the amounts of water used are quite copious, any type of bathtub leak can be an annoying and potentially very serious problem. Left untreated, some leaks can cause thousands of dollars in damage, requiring major repairs and renovations.

Faucet Leaks – Grout/ Caulk Leaks – Drain Leaks

Any type of bathtub leak can be an annoying and potentially very serious problem.

What To Do During A Hurricane: A Complete Guide

What To Do During A Hurricane: A Complete Guide

Do you live in a region of the United States that’s especially prone to hurricanes?

If so, you know that knowledge is power. It’s important to know not only what to do during a hurricane, but also how to prepare beforehand and handle the aftermath once it’s over.

Don’t be caught off-guard without ways to protect yourself. Today, we’re sharing a complete guide that covers the steps to take before, during and after a hurricane.

Ready to learn more? Let’s get started.

 

What to Do Before a Hurricane

You’ve watched the weather forecast and you know that a hurricane could be approaching. There is one major decision to make at this point: Will you stay put or evacuate?

 

If You Evacuate

You might decide to evacuate on your own will. Or, local authorities might order you to do so. Either way, there are several stepsto take to make sure you leave your home as protected as possible.

Begin by unplugging all of your appliances and connected devices, including your televisions. If you’re currently storing valuables or other important items at or below ground level (as in a basement), try to move them to a higher position, such as on a table or kitchen counter.

Then, you’ll need to disconnect certain connections. Turn off your water and gas to prevent flooding and dangerous leaks, and take the fuses out of your air conditioning system. These could surge when the power comes back on, causing serious damage.

If you have time to plan before you evacuate, make sure your car has a full tank of gas and make any necessary repairs to ensure it’s in good running condition. Stash emergency supplies in the trunk, along with a change of clothes.

 

If You Stay Home

Before the hurricane makes landfall, there are certain steps you can take to safeguard your home. If you plan to stay put, bring in all lawn equipment and ornaments to prevent them from becoming airborne during the storm.

This can range from decorative flags and planters to sculptures, portable fountains and more. Also, remember to check your pool covers and shed doors. Both should be tightly secured.

If you haven’t already, go ahead and put all of your important documents in a weather-proof container that will protect them from water damage. Then, move all valuables to the highest elevation possible.

Finally, don’t forget about your cars! If you park outside, move them from underneath trees if possible. Otherwise, bring them inside the garage.

 

Keeping Your Pets Safe

Regardless of whether you decide to stay or evacuate, make sure that your pets are micro-chipped and have identification tags. These will be invaluable if you become separated.

If you’re evacuating, remember to pack a bag for Fido, too.

Inside of it, include all important medications, records, food, and leashes. Keep it nearby for quick access.

What to Do During a Hurricane

If you decided to ride the storm out from home, you’ll need to take special precautions to stay as safe as possible.

Under no circumstance should you handle electrical equipment, such as your stove, hairdryer, or television. If you need to use the phone, do so quickly and only in an emergency.

If the power goes out during the storm, resist the urge to light every candle in the house. These could knock over during the commotion of the hurricane and pose a fire risk. Instead, stick with battery-operated flashlights.

Finally, don’t assume the storm is over just because the rain subsides or the wind dies down. Remember, the eye of the storm is often characterized by a short-lived period of calm. Soon thereafter, the weather pattern picks back up. If you’re outside when it happens, you could be in the middle of the chaos.

Along the same lines, don’t underestimate the power of floodwaters. It takes less than a foot of fast-moving water to knock you off your feet during a hurricane. Resist the urge to walk or swim in the water, and never attempt to drive through it.

 

What to Do After a Hurricane

The storm is officially over, power is restored, and you’re left to assess the aftermath. If your home is intact, remember to turn on your appliances slowly, one at a time. Powering them up all at once could create a damaging surge.

If your power is still out, an outdoor generator positioned at least 10 feet away from your home can help you access critical appliances. However, remember to never use one indoors, even in a basement. The exhaust fumes they generate can lead to high levels of carbon monoxide, a toxic gas that can be deadly to inhale.

Then, you can check your property inside and outside for hurricane damage, taking photos of any evidence you encounter. If you notice any downed power lines along the way, report them to local authorities, being careful to stay far away from them. Also, keep far away from floodwaters and dangerous debris.

 

Protect Yourself and Your Valuables Today

Still wondering what to do during a hurricane? One of the most important steps you can take is to have an experienced and certified insurance adjuster on your side.

If you experience water damage to your property, you deserve to restore what you lost.

We understand that the claims process can be confusing and overwhelming, and we’re here to help.

As Orlando’s premier hurricane damage adjusters, we’re dedicated to making sure you receive the maximum compensation you’re due. We’re experts in this field and we’re ready to work with you every step of the way.

Contact us for a free case evaluation today and let us take it from there.