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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.

Mold damage, Causes and diseases.

Mold damage, Causes and diseases.

Moisture is the main cause of mold damage in your home. This can bring diseases that affect you in the short and medium term; like the rhinitis, skin infections that accelerate disorders such as asthma and migraine. You can avoid all this in your home by following the proper hygienic measures.

Mold can appear on the wall, roof, tiles or even on your own shower curtain. The color is usually black, green or orange, its “closed” smell is very characteristic and can be the main indicator that mold is present in your home.

In this article we are going to give you a series of recommendations to avoid mold damage in your home. Let’s get started!

What will you find here?

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Mold damage can affect your health in these ways
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It's also essential to make your insurance claim for mold damage in a timely manner.
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Tips to get rid of mold in your home
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Moisturizing treatment to eliminate mold on the wall
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Investigate where the mold stains appear
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To clean the stains, you can choose
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This led us to look for a moisture-resistant treatment as a last resort, which we recommend
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What is the mold damage claim process like?

Mold damage can affect your health in these ways

Mold is a living organism that produces very small “spores”, these travel through the air and spread, although you can’t see them, they are always present in your home environment when you have dampness.

Some of the discomforts that can affect your health with respect to mold are the following:

– You breathe worse: when small mold spores enter your lungs they can end up causing respiratory problems and especially having greater consequences in people who suffer from asthma or any respiratory disorder.

– Allergies: Some people are allergic to these spores and they can cause allergies, these can manifest in itchy eyes, constant tearing, nasal congestion, throat irritation or even have headaches.

When these symptoms start to increase and are prolonged, you could end up suffering from arthritis or osteoarthritis. That’s why it’s very important to know how to prevent mold from affecting your health in this way.

It’s dangerous for your family and your health. For example, mold can spread throughout your home by increasing humidity for 2 to 4 days. Creating small spores that we talked about earlier.

It’s also essential to make your insurance claim for mold damage in a timely manner.

A mold colony needs only three things to keep growing: moisture, oxygen and material. Mold damage to a property is generally found in the following materials: drywall, wood framing, flooring, insulation, ductwork and HVAC systems, and other interior finishes.

These materials are among the most concerning when it comes to mold damage to the property.

In addition, measuring moisture is important for accurate mold identification. Removal of contaminated and unrecoverable material, mold remediation, and subsequent remediation can create more problems than is evident in the surface finish. This is one of the things a public adjuster may consider when making an insurance claim for mold.

Homeowners deal with delicate and emotional burdens when affected by mold damage. Causing damage to fabrics, furniture, electronics and items of sentimental value.

Moving is a temporary option to consider when your home has severe mold damage.

Knowing and understanding the mold claim process can be overwhelming. Therefore, the assistance of an experienced and qualified public adjuster can be indispensable to the insured. At Let Us Claim you can count on an expert in this area.

Tips to get rid of mold in your home

The first tip to get rid of moisture in your home is to consult an expert, who will assess whether it is mild or severe damage. Some of the more complex causes are: wet, leaking or broken pipes. Excluding this option, we can focus on solving it by implementing some tricks:

1- Moisturizing treatment to eliminate mold on the wall.

The first step to deal with moisture is to remove the surrounding air for at least 10 minutes a day. This will help circulate the air and clean the house. This action limits the generation of moisture.

You can do this by placing exhaust fans in bathrooms and kitchens, hanging clothes outside and placing moisture-proof plants indoors to prevent further mold damage.

2- Investigate where the mold stains appear.

Go through your home and look for their origin carefully to find the root cause.

The most common places are kitchen corners, bathroom floors and corners, dark walls in poorly ventilated rooms.

Once you have identified the area and the stain, you can begin to remove the moisture from the wall.

To clean the stains, you can choose:

– Bleach or bleach. It’s one of the best disinfectants.

– Sodium bicarbonate. Eliminates damp and musty odors.

– White vinegar. It’s used to eliminate all types of mold on the wall.

When working with these preparations, be very careful, always wear gloves to protect your hands and use cloths only for this purpose.

Stains reappear every one or two months, knowing that one of the main causes is moisture from condensation and not being able to remove them completely.

This led us to look for a moisture-resistant treatment as a last resort, which we recommend:

Dehumidifiers.

Squeeze.

Moisture resistant coating.

Waterproof coating.

Moisture-resistant gypsum board.

Odor neutralizer.

Now, when it comes to practicing ventilation, cleaning affected areas, removing moisture from walls, understand that hydration is an activity to include in your schedule.

What is the mold damage claim process like?

Our public adjusters will assist you in the mold damage claim process, many times these policies often have changes from state to state.

Filing a mold damage insurance claim with an insurance company requires careful analysis and interpretation of the insurance policy. Also, a clear understanding of the cause of the mold growth must be made.

But don’t worry at Let Us Claim we alleviate the steps to follow for a mold damage claim, we focus on you. We want to help you get the best compensation possible and we are here to help you with all process.