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Olga Public Adjuster
Lee County Public Adjusters
Olga FL 33920 – Neighborhood: Oak Creek Rd
Claim Type: Wind/Water
Insurance Company Original Offer: $9,400
Alpha Public Insurance Adjusters Settlement: $72,500
Percentage Increase: 650%
Florida Public Insurance Adjusters
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Olga Public Adjuster
Lee County Public Adjusters
Olga FL 33920 – Neighborhood: Summersweet Dr
Claim Type: Wind/Water – Roof Leak
Insurance Company Original Offer: $4,000
Alpha Public Insurance Adjusters Settlement: $32,000
Percentage Increase: 700%
Florida Public Insurance Adjusters
Florida Property Insurance Adjuster
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Public Adjuster Near Me
Olga Public Adjuster
Lee County Public Adjusters
Olga FL 33920 – Neighborhood: Idalia Dr
Claim Type: Wind/Water – Roof Leak
Insurance Company Original Offer: $15,000
Alpha Public Insurance Adjusters Settlement: $102,000
Percentage Increase: 580%
Types of Water Damage and How to File a Claim
Nobody wants to wake up to water damage. Not only must you worry about the cost to repair, but whether your insurance policy will cover most of the expenses. We will get into that later and discuss what’s needed to file a water damage claim in Olga, Florida. What most people don’t realize is water damage isn’t all the same. Some are more manageable than others and don’t require filing a large claim. Let’s look at the type of water damage you may be experiencing.
Three Types of Water Damage
The first type of water damage is the least harmful. This is “clean water” damage. Clean water is destructive to your property and personal items, but it does not cause a threat to you, your family, or your pets. The cause of this least harmful damage is generally overflowing bathtubs, appliance malfunctions with no contaminants, and roof leaks.
Although this is the least harmful, it can destroy your property and valuable items. Contacting a professional restoration company is a crucial step in getting back on your feet. You don’t want to delay, as sitting water can cause mold, which leads to health issues and a potentially lowered or denied claim.
The second type of water damage is “gray water.” If you consider “clean water” category one damage, this will be considered category two. Gray water is a combination of water and chemicals or water mixed with some form of contamination. When you, your family, and your pets encounter gray water, it’s common to experience health issues. This is not always the case. It all boils down to the contaminants mixing with the water. Gray water often comes from dishwashers with contaminants, overflowing water with urine (no fecal matter), and sometimes sump pump failures.
Finally, there is “black water.” This is the worst type of damage you can encounter. Black water usually comes from sewage and extremely contaminated sources, such as toilet water with fecal matter. Alternatively, gray water that wasn’t thoroughly cleaned can result in black water. As a result, you shouldn’t attempt to restore your property yourself. Always hire a reputable, licensed contractor to complete the job.
Knowing what type of water damage that you’re dealing with will help you figure out the next steps – and get a better idea of how costly repairs will be.
Will My Policy Cover the Damage?
Standard homeowner’s insurance will cover some types of water damage. The water must be in the house and must be sudden and accidental, like a pipe burst.
Your policy will not cover the following damages:
- Ignored maintenance issues: if the problem has been ongoing and you did not maintain it in a timely manner, expect to pay out-of-pocket for the expenses.
- Repairs and replacements: if your dishwasher broke down and flooded your kitchen floors, your insurance company should cover the damage the dishwasher caused, but it will not cover repairs or replacements of the dishwashers. This goes for the source of any water damage.
- Flood damage: most standard homeowners’ insurance policies don’t cover flood damage. In most cases, you will need separate flood insurance coverage. Don’t just assume. Read your policy to make sure it doesn’t cover flood damage.
What Do You Need to File a Claim?
Filing a claim is no easy task, so it helps to know what your first to your last steps must entail.
- Contact your insurance company and report your claim. Find out how quickly you must file a claim in your state, and don’t delay.
- Take inventory of all the damaged and destroyed property and attribute an estimate. Determine the source of the damage and make note of the day the accident occurred. Take pictures because you may be asked to describe the damage.
- File your insurance claim once you have father all the necessary information. The more info you have, the less likely your claim will be delayed or denied.
- Your insurer will likely send out an insurance adjuster. Follow them while they are investigating the accident. Make sure they’re documenting everything accurately.
- Contact a public adjuster if you feel the insurance adjuster’s recommendation of how much the insurer should pay for your loss is too low.
Contact Alpha Public Insurance Adjusters in Olga, Florida, or call (888) 442-5742 for a free consultation. We’ll work with you when filing a water damage claim, the insurance adjuster, contractors, and the insurance company to maximize your settlement.
