The purpose of having residential or commercial insurance coverage is to have the ability to file a claim when your property suffers damage from a natural disaster, someone else’s negligence, or an unavoidable accident, right?
We think so too. At Champion Public Adjusters our Fort Lauderdale public adjusters represent policyholders throughout Florida who have suffered home or business damages and are seeking ways to protect their claims to maximize their financial recovery.
Here are our tips on protecting your Florida insurance claim, so you are not left paying out of pocket to rebuild.
Tip #1: Contact The Police If The Law Has Been Broken
If your home or business has been vandalized, burglarized, or intentionally damaged, contact your local police department to ensure there is a detailed record of the damage available for your insurance company to review. Much like a car accident, it is hard to prove your losses were caused by another person or party if there is no police report to back up your claim.
Tip #2: Determine What Types of Damages Are Included In Your Coverage
Often, it is difficult to understand the language that is outlined in your insurance policy, which is why it is important to discuss these details with your insurance representative before you begin paying your premiums.
There is nothing worse than suffering severe flood damage, only to learn that your coverage does not protect you from flooding. If you need help determining what is and is not outlined without your coverage, our experienced Florida public insurance adjusters can help establish and outline the contents of your policy, so there are no surprises when you file a claim.
Tip #3: Contact Your Insurance Agency & Representative
As soon as the damage occurs, contact your insurance representative to start a claim. A claim number will be assigned to your case, which is an important aspect of pursuing your claim. Keep in mind, you are not an expert in evaluating your financial needs, so it is important to allow professionals to assess your overall needs. Giving an improper statement to the insurance company without knowing all the facts can hurt your claim.
Tip #4: Take Photos or Videos of The Complete Damage
Before making any emergency repairs, photograph, video, and document the damage in its entirety.
Do not throw anything that has been damaged away, as it can be used as evidence for your claim. Never assume any aspect of your damaged property is insignificant. Every opportunity to bolster your position through proven losses will help protect your insurance claim in Florida.
Tip #5: Only Make Emergency Repairs
To stop further damage from occurring, and to ensure coverage for your losses, only make emergency repairs like boarding a broken window, or tarping a hole in the roof. Non-urgent work and unapproved repairs may not be covered by your policy if you move too quickly to repair them.
When you do make emergency repairs, keep all of your receipts and records in a safe place, so you can add them to the claim when the time comes.
Tip #6: Consult With A Public Adjuster To Get A Second Opinion On Your Coverage & Claim Details
When you file a claim, your insurance company will send an adjuster — who is one of their employees, dedicated to protecting their best interests— to assess your damages and to create a report that reflects what he or she thinks you deserve as a result of your losses.
This evaluation will be based, first, on how they determine what your policy covers, which may be very different from what you believe your policy covers.
Do not take their word for it.
If you need to file an insurance claim due to:
- Fire Damage
- Water Damage
- Hurricane Damage
- Mold Damage
- Roof Leaks
- Lightning Damage
- Marine Claims
- Loss of Income
- Aviation Claims
Contact our leading public insurance adjusters in Broward County at (786) 280-6901, or logon to our Champion Public Adjusters website to request a free insurance claim analysis today. Our Florida public adjusters partner with our clients as advocates, which means we place your best interests at the forefront of our claim recovery process. In fact, if we do not recover financially on your behalf, you owe us nothing. Call us now to get started on your insurance claim, so you can move forward with confidence.