Recent Results:
State: Florida Public Insurance Adjuster
County: Highlands County Public Insurance Adjuster
City: Avon Park Public Insurance Adjuster
Avon Park FL 33825 – Neighborhood: W Odessa Road
Claim Type: Hail – Roof and Screen Enclosure Damage
Insurance Company Original Offer: Under Deductible
Alpha Public Insurance Adjusters settlement: $74,800
Percentage Increase: +74,800%
State: Florida Public Insurance Adjuster
County: Highlands County Public Insurance Adjuster
City: Avon Park/Avon Park Lakes Public Insurance Adjuster
Avon Park FL 33825 – Neighborhood: Avon Park Lakes/ N Huntington Rd
Claim Type: Water – Broken Disposer
Insurance Company Original Offer: $3,600
Alpha Public Insurance Adjusters settlement: $41,000
Percentage Increase: +1,000%
State: Florida Public Insurance Adjuster
County: Highlands County Public Insurance Adjuster
City: Avon Park Public Insurance Adjuster
Avon Park FL 33825 – Neighborhood: Ernest E Sims Ct
Claim Type: Hail/Wind – Roof Damage
Insurance Company Original Offer: $ Under Deductible
Alpha Public Insurance Adjusters settlement: $22,000
Percentage Increase: +22,000%
State: Florida Public Insurance Adjuster
County: Highlands County Public Insurance Adjuster
City: Avon Park Public Insurance Adjuster
Avon Park FL 33825 – Neighborhood: E 2nd Street
Claim Type: Water – Dishwasher Overflow
Insurance Company Original Offer: $4,700
Alpha Public Insurance Adjusters settlement: $35,000
Percentage Increase: +640%
Get Help with the Claims Process by Hiring a Public Adjuster in Avon Park
Hail may not be a common occurrence in Florida, but when it does occur, it often comes with catastrophic damage. For example, you can experience damage to your roof in the form of dented shingles and gutters. Vinyl siding and wood shakes can take a harder hit, as hail can leave these materials cracked, deteriorating the roof’s structural foundation. Depending on the size and density of the hail, your roof may even get punctured. All these incidents can lead to water damage. When that happens, you may need help with the claims process if you live in Avon Park, FL. Don’t hesitate to turn to the experts at Alpha Public Insurance Adjusters.
What Does the Claims Process Look Like?
After experiencing water damage to your residential property, you must file a claim with your insurance company. This process can be long and complicated, especially if you don’t have a public adjuster guiding you throughout every step of the claims process, like an experienced adjuster at Alpha Public Insurance Adjusters.
Here is what the claims process might look like for you:
- Attempt to stop the water damage. Failure to do so can hurt your claim and reduce your settlement.
- Find out if this type of water damage is covered by your home insurance. Check your policy before contacting an insurance agent or a public adjuster.
- Call your insurance company, speak with an agent, and report your claim.
- Take a comprehensive video/photos of the damage for the insurance adjuster.
- How bad is the damage? If you feel your safety is jeopardized, leave the home immediately.
- Contact a water damage clean-up company to remove all water from your home. Ideally, you shouldn’t touch anything until the insurance adjuster arrives, but letting the water sit can increase the damage.
- Meet with the adjuster during their evaluation of the damage. The insurance adjuster will tell you what they believe is the total cost of the damage. If the settlement seems low, it’s probably because the estimate is based on actual cash value, which determines what your items are worth currently, not when you purchased them. However, if you still think the estimate is low, contact Alpha Public Insurance Adjusters to determine if you’re receiving a fair settlement.
- Negotiate repairs. This is another good time to hire a public adjuster, particularly if you aren’t good at haggling/negotiating costs. Small claims typically pose no problem, but large claims are more challenging for insurance adjusters to stomach. If you or the contractor are unable to explain the necessity of the repairs, a public adjuster is experienced in this area and can make a strong case on your behalf.
How to Prevent a Claim Denial?
Claim denials are not uncommon, especially if you don’t work with a professional. Most denied claims are a result of improperly filing paperwork. Policies are not the easiest to understand, which is why filing a claim on your own isn’t recommended, especially when dealing with a large claim.
However, other times, claims are denied because of sneaky practices by the insurance company. For example, when it comes to water damage, if the insurance adjuster spots mold growth, they can deny your claim. What difference does mold make? Well, insurance companies do not cover claims if your leak is considered long-term or, in other words, your leak was present for 14 or more days. When a leak has been around long, mold growth often occurs. Insurance adjusters use the existence of mold to deny a claim.
The problem with that is, that your leak does not have to be long-term for mold to appear. In fact, mold can appear in just 24 hours. As a result, it is important to thoroughly document the damage once it has occurred and hire a plumber in case you need a licensed professional to help build your case.
Contact Alpha Public Adjusters in Avon Park, FL
Again, filing a claim isn’t easy, as you can see for yourself. Added to this is the stress of handling the water damage with plumbers, contractors, and other professionals; finding a place to stay depending on the severity of the damage; dealing with the uncertainty of receiving a sufficient settlement to cover the damage.
You don’t have to do this alone. When you need help with the claims process in Avon Park, FL, contact Alpha Public Adjusters. Call (888) 442-5742 today.
