CPA

Quick Guide On Filing Commercial Insurance Claims

Mon, 30 Oct 2023 10:32:57 GMT

Dealing with loss or any sort of damage is something all business owners experience at least once in their careers. Unfortunately, some things are outside your control. Despite your best efforts, a storm could hit your city or a pipe may inexplicably burst, leaving you to handle the aftermath of the catastrophic event.

Whenever you’re facing this kind of property damage , your best course of action is to file an insurance claim.

The problem is, what if it’s your first time trying to collect a settlement from the insurance company? Are there steps to commercial insurance claims that might help expedite the process and increase the chances of a favorable settlement?

As a matter of fact, yes. Keep on reading to learn the proper way of filing commercial insurance claims .

What To Do Immediately After The Loss?

Steps you take in the immediate aftermath of the event can determine how the rest of the road to recovery pans out.

Before you do anything, notify your insurance agent or the company of the loss immediately. There’s no point in waiting around and the sooner you inform your insurer of what happened, the sooner your claim will be processed.

After notifying the insurer, it’s recommended you take the following steps:

1. Ensure the property is safe. Before entering the area, make sure that the local authorities have allowed public access.

2. Shut off the electricity as soon as you enter the property.

3. Take pictures and videos to document the full extent of the damage before starting the cleanup process.

4. Don’t throw away any damaged items (save from perishable food items) until the adjuster from the insurance company shows up. They’ll instruct you on which items you are free to get rid of.

5. Make temporary repairs to mitigate any further damage. This may include boarding up any broken windows or throwing a tarp over the leaking roof. Avoid doing any larger unauthorized repairs not covered by your policy. It’s also important to keep the receipts for any of these repair materials, as you can file them and get reimbursed.

How To File Commercial Insurance Claims

With natural disaster claims , fire & smoke claims , and water & mold damage claims , the process will be pretty much the same. Here is what you should do:

1. Follow the instructions provided to you by your insurance claims personnel.

2. Keep your insurance policy documents ready and write down the number assigned to your claim.

3. Create a log of all the communications with the insurance company personnel. Note down who you spoke to and when.

4. Create a full business inventory if you don’t have one.

5. Wait for the insurance adjuster to arrive and avoid making any major repairs before consulting the adjuster first. Since they must first visually inspect the damage, don’t throw away any damaged items until the adjuster provides you with a green light to do so.

6. Locate your original insurance contract and previous tax filings. Since many commercial tax filings provide business owners with income loss protection, reviewing them may help you identify any lost property.

7. Locate any records that provide written proof of the value of any damaged property or equipment.

8. Keep all receipts for any expenses incurred after the catastrophic event.

Why Hire A Public Adjuster For Your Commercial Insurance Claims?

Insurance company adjusters routinely favor one side - their employer. As such, they may not account for all the losses you suffered in order to minimize your claim. This is why you should introduce a line of defense - a public adjuster who will work for you in helping you document losses.

Public adjusters are experts in commercial insurance claims. They have a deep familiarity with the language and common terms used in different insurance policies. As such, they have the expertise to account for losses in all types of commercial properties.

Most importantly, public adjusters are familiar with the different tactics insurers use to drive down their settlement offers. This means they can enter into negotiations on your behalf, while also having the expertise necessary to get you a far better deal than you would have been able to recover on your own.

Public adjusters don’t charge any upfront fees, rather, they take a small percentage of the settlement. Because of this, hiring one is worth it as they will assist you in recovering enough assets that will offset the fee.

What To Do If Your Claim Is Denied?

Commercial insurance claims get denied a lot more often than you may think. So, don’t be surprised if yours doesn’t pan out the way you expected.

This doesn’t mean all hope is lost, though.

You should first examine the terms of your policy that indicate which perils are covered. Keep in mind that even if you do have coverage for particular perils, you may not be able to recover all losses. Closely review the claim exclusion section of the policy and check whether the source of your losses is excluded from coverage.

If you can’t find anything, get in touch with your insurer again and ask them to point out the specific language that excludes your losses in writing.

This is exactly why working with a public adjuster is so important, as they’ll be able to review your policy and help you anticipate any potential outcomes for the claim. For instance, they’ll tell you outright how much money you can recover. This will help you avoid settling for the first offer made by the insurer because you’ll know you can recover far more than you originally anticipated.

Start Evening The Odds

The insurance company usually holds more power in the claims process. After all, they’re the ones making decisions about the future of your business.

Sadly, even if you follow all their instructions to a T, it still doesn’t ensure that your “adversary” will play by the rules.

Claim denials and laughable offers are all too common, and you should do what’s in your best interest by having an expert in insurance matters on your side.

By working with the pros at Continental Public Adjusters , you can slowly tip the odds in your favor. Fueled by a sheer passion for protecting the rights of policyholders and supported with decades of experience, our adjusters have what it takes to improve your chances of a positive outcome.

File an insurance claim with an extra sense of confidence - call (800) 989-4769 or fill out our contact form to schedule an appointment.

Note:

The information in this blog post is for reference only and not legal advice. As such, you should not make legal decisions based on the information in this blog post. Moreover, there is no lawyer-client relationship resulting from this blog post, nor should any such relationship be implied. If you need legal counsel, please consult a lawyer licensed to practice in your jurisdiction.

Hurricane Season 2023/2024 Safety And Security Tips

Mon, 23 Oct 2023 06:35:32 GMT

All Florida residents are aware of just how damaging hurricanes can be. With hurricane season in full swing, if you haven’t done so already, it’s not too late to take proactive steps to ensure the safety of your family and your property.

In today’s blog post, we’ll discuss when hurricane season is in Florida and teach you everything about hurricane damage prevention, as well as some essential safety measures you must take before the storm strikes.

When is Hurricane Season in Florida in 2023?

Generally speaking, hurricane season starts in June and lasts until December. This year is no exception and the answer to the question of when is hurricane season in Florida in 2023 is June 1 to around November 30th.

The peak of the season typically occurs between August and December, and most of the storms take place during those few months. However, mid-September is also no stranger to tropical storms.

While it’s not common for hurricanes to ravage the inland part of the US, coastal areas such as Florida are at the highest risk. This is exactly why citizens of The Sunshine State must know all there is to know about hurricane damage and how to minimize it .

How to Prepare for a Storm

Now that you’ve confirmed when is hurricane season in Florida, you can think about minimizing the damage by taking preventative measures, such as:

1. Take Preventative Water Damage Measures

The biggest source of damage during a storm is water. This is especially true for Florida’s coastal areas where storm surges, heavy rainfall, and flooding are common. To keep the ensuing damage to a minimum, do this:

Clear all drains and gutters: before the storm hits your home, you should see to it that all gutters and drains are debris-free, thus allowing the water to flow away from your property. Any clogs could lead to water accumulation, which increases the risk of leaks and devastating structural damage.

Reinforce all openings: storm shutters are a valuable investment, but in a pinch, you can use plywood to protect doors and windows from any debris. This can consequently reduce the likelihood of water penetrating your home.

Seal any cracks : it’s very important to inspect your property beforehand for any gaps or cracks in the openings, foundation, or walls. If your home has any, seal them with caulk to prevent water from penetrating your home.

Elevate valuables : move your valuables to an upper floor to protect them from water. This also applies to important documents. Store them in waterproof containers and back them up digitally to be on the safe side.

2. Inspect All Locks

As you’re shuffling to learn everything about hurricane damage protection, it’s easy to overlook the security of your home. If you’re planning to evacuate while the hurricane is active, you should prepare for the possibility of individuals with nefarious intentions trying to take advantage of your absence.

Take the next few steps to protect your property from intruders:

Replace old locks: all the locks in your home should be sturdy and in good working order. You should swiftly replace any worn-out locks to enhance your home’s overall security. While strong locks are by no means foolproof, their high-quality build and look can serve as a deterrent against criminals.

Reinforce all entry points: you can install strike plates and deadbolts on all doors for extra security, which could serve as another layer of protection against burglars.

Provide trusted people with duplicate keys: create extra keys and give them to trusted neighbors or family members so they can enter your home in case of emergency.

3. Create an Evacuation Plan

Once you are aware of when is hurricane season in Florida, you should develop a detailed evacuation plan that outlines where you will go in case of an emergency. Figure out exactly how you’ll get to your destination, be it a relative or a friend who lives outside the hurricane zone.

Account for your pets, plan out the method of transportation, and figure out alternative routes to get out of the area.

4. Gather Supplies

If you receive a hurricane warning but decide to stay put, make sure to gather enough emergency supplies. Since a storm could cut off your power and water supply, stock up on everything to account for your family’s immediate needs, such as:

Emergency water and food supplies
Medicine supply
Light sources such as lamps or flashlights (with plenty of spare batteries)
Safety and necessary personal items
Documents such as wills, personal IDs, passports, medical documents
Fire extinguisher

What to Do After a Storm?

After the hurricane has passed and you’re out of immediate danger, you should first focus on sidestepping any further damage.

First, inspect your property for any visible signs of defects. This includes broken windows, compromised structural integrity, roof damage, etc. Next, take videos or photos of all the damaged areas and items for the purpose of filing an insurance claim.

To protect your home from further damage and unauthorized access, try your best to secure any damaged windows or doors. For the time being, temporary barriers such as tarps or boards will suffice.

You can also maximize your insurance claim by hiring a licensed public adjuster from the very beginning. These experts can provide you with an accurate assessment of losses. Plus, public adjusters have extensive knowledge of not only damage assessment, but also the claims process for different types of insurance claims, along with the experience to objectively evaluate the intricate language in insurance policies.

Lastly, public adjusters can also support your claim by negotiating with the insurance company on your behalf, thus protecting you from the most common devaluing tactics that insurers rely on.

Keep a Calm Head

Hurricanes are scary but by taking all the preventative measures outlined above, you can keep your family safe and minimize any damage that may occur once the storm reaches your neighborhood. The safety of your family takes precedence over any material damage.

Still, if you hire a public adjuster, you can recover compensation for pretty much all property damage and make the necessary repairs.

Here at Continental Public Adjusters , we’ve been helping homeowners recover settlements they’re entitled to under their policies since 1982. In fact, we’ve made our name helping those affected by Hurricane Andrew repair and rebuild their homes, so we’re familiar with just how destructive hurricanes can be.

Keep a calm head and protect your insurance claim - call (800) 989-4769 or fill out our contact form to schedule an appointment.

Reasons Insurance Companies Deny Fire Claims

Mon, 16 Oct 2023 10:22:58 GMT

If your home suffers fire damage, the only thing you can do afterward is to file an insurance claim. Sadly, insurers have the right to deny your fire claim, and it happens more often than you think.

Generally, home insurance claims (including fire claims) have the lowest success rate. Getting an understanding of the top reasons your insurance company may deny your fire claim will help you improve your chances.

Continue reading to learn about some of the most common reasons insurance companies deny fire claims.

Misrepresentation of Fact

Insurers may turn down a fire claim because of misinterpretation. This includes misinterpretation of certain details, outright lying, or omitting crucial information.

For example, if your cat knocked over a candle that led to a house fire, you should tell the truth. Saying that the candle tipped over on its own or omitting the fact that the candle led to a fire will lead to you being accused of misinterpretation - which will most likely jeopardize your claim.

We understand that you’re worried about a claim denial if you provide all the facts, but you have nothing to lose. The insurance company will investigate the fire incident and learn the truth either way.

By misrepresenting the facts, you can only minimize the chances of your claim being successful.

Inadequate or Insufficient Coverage

One of the top reasons your insurance company may deny your fire claim is if they learn you have insufficient coverage. This means that your policy doesn’t cover the type of damages or the incident.

For instance, your policy might cover fire damage, but not water or smoke damage. In this situation, you could only recover some of the damages but not the amount necessary to make full repairs.

Although the insurer can only pay you for covered perils according to the policy, in some cases, they may wrongly reject your claim. This is why it’s important to be familiar with your policy.

If you believe that the fire damage is covered in your policy but the insurer denied your claim, ask for assistance from residential fire and smoke claims public adjusters . They can review your policy closely and determine the best path forward.

Defective Workmanship

If the design of your home contributed to the fire or a portion of the structure was poorly built, the insurer may use it as grounds to reject your claim. For example, the contractor who built the home used defective materials or chose those with poor fire protection.

This is a common tactic and you may need a legal professional to help you defend against it.

Negligence

An insurer may dismiss a fire claim if they believe the fire was caused by property negligence. As a policyholder, you’re responsible for the property and must take all reasonable steps and precautions to minimize the damage or loss.

To demonstrate, the insurance company may refuse your claim if a fire started in the kitchen and you made no efforts to contain the fire or call the emergency services. Similarly, in situations in which a fire alarm stops working and hence exacerbates the fire damage, the faulty alarm could be considered sufficient grounds for rejecting a fire claim.

Suspected Arson

Fraud and suspected arson are some of the biggest reasons insurance companies deny fire claims. In many cases, the insurance company may raise this concern to avoid paying out the claim.

This falls into the category of insurance fraud and the trial will be necessary to determine the actual cause of the fire.

Valuation Dispute

An insurance company can easily circumvent paying out a fire claim by disputing the valuations or claiming that you lack proof of the damages.

When filing a claim, you must document the value of all your property. including valuables and other insured items. If you fail to verify costs or provide evidence about the value of items, chances are that you won’t receive compensation.

This is why you should keep all records from the time your home was under construction, as well as any receipts and before and after photos of the items.

Missed Premiums

If you miss your premium payments, the insurance company will deny your fire claim. This also applies to cases in which you missed paying the premiums on time. Among all the reasons insurance companies turn down fire claims, this one is fairly reasonable, so always make sure to pay your insurance premiums.

What Should You Do If the Insurer Denies Your Claim?

Fortunately, you always can challenge the insurer’s decision by requesting they reassess the claim. Upon validating the request, the insurance company will reevaluate all the factors they considered when making their previous decisions.

Chances are they’ll deny the claim again unless you make use of services by residential fire and smoke claims public adjusters. An adjuster can help you find additional evidence that proves your case, and will even negotiate with the insurance company on your behalf.

The strength of residential and commercial fire and smoke claims public adjusters lies in their experience with insurance company tactics. After all, most public adjusters honed their skills working for the insurers at some point in their careers.

Thus, it’s useful to have an expert with insider knowledge on your side.

Can You Prevent Your Fire Claim from Being Denied?

Hiring residential or commercial fire and smoke claims public adjusters from the onset of the claim is the best way to prevent your claim from being denied. Still, if you insist on doing everything on your own, here are some things you should do to increase the likelihood of a successful fire claim:

Pay your insurance premiums on time
File the insurance claim as soon as possible
Fill out the paperwork correctly
Document all the damage and create a list of items that contains all the receipts
Learn about the terms of your policy and ascertain whether you need to purchase additional coverage

Maximize Your Fire Claim ASAP

Using the tips provided above, you can approach the claims process with a new level of confidence. Nevertheless, the reasons insurance companies deny fire claims we spoke about are just the most common ones. There are no limits to what an insurer may do to reject the claim or at least minimize its value.

To increase your chances of success and ensure you recover the highest insurance settlement offer, hire Continental Public Adjusters .

Since 1982, our mission has been to help the citizens of Florida recover the funds they’re entitled to under their policies. We’ve been successful so far - the number of happy clients proves it.

We can help you too - schedule a claim review by calling (800) 989-4769 or fill out our contact form .

Why Your Business Should Hire A Commercial Public Adjuster After Suffering A Loss

Mon, 09 Oct 2023 12:33:53 GMT

One of the biggest challenges you can face as a business owner is property damage or a loss due to an unanticipated trouble or an incident. Not only do you have to deal with repairing damages, but chances are, you’ll also struggle to return to normal business operations.

Plus, because most small businesses in the US are underinsured, dealing with a catastrophic event (which is very common in Florida) is close to impossible.

Fortunately, you can keed your stress down to a minimum by hiring a commercial public adjuster who can manage all the aspects of your insurance claim, and possibly even maximize the amount you can recover.

What is a Commercial Public Adjuster?

A public adjuster is a licensed insurance expert hired by the policyholder who knows to effectively manage all aspects of an insurance claim. What they do is very similar to a regular adjuster that your insurer will send over to inspect the damage on your property. The only difference is the fact that a commercial public adjuster will work for you!

By hiring an adjuster, you can make sure that your claim is as accurate as possible, and that you can receive the maximum payout available to you under your policy.

Key Benefits of Hiring a Commercial Public Adjuster

If you’re still debating whether to hire someone for your insurance claim, consider the following benefits:

1. Expedite your claim

Restoring your business to its original condition after a disaster strikes is a tedious affair that many business owners find overwhelming. Once you add handling an insurance claim into the mix and dealing with the insurer, it can become borderline unbearable.

You can alleviate most of the pressure by working with a commercial public adjuster. Because they’re familiar with all the intricacies of filing an insurance claim, they can easily evaluate the damage and report accurate losses - in a fraction of the time it will take you to do the same.

Furthermore, they’ll source all the necessary forms and documents and file your claim promptly.

This can dramatically expedite the entire process, which means you can start restoring your business a lot sooner than you would if you handled the matter on your own.

2. Level the playing field during negotiations

Documenting damages is one thing, but negotiating with an insurer is typically an effort in futility. You just can’t win. Insurers already know they’ve got the upper hand in negotiations and will use your desperation and fear of financial ruin to get you to say yes to a claim that is, quite frankly, unfair.

Even worse, insurance companies purposefully use complex language in settlement offers and their contracts to confuse you. In other words, as someone without expertise in insurance policies, you can’t know if you’re being cheated.

This is why hiring a commercial public adjuster is a must. Because they worked with insurance companies in the past, public adjusters are familiar with all the tricks in the book. They’ll know whether an insurer is actively trying to trick you out of a fair settlement and can lock down the compensation promised to you under your policy.

As such, letting a commercial public adjuster negotiate on your behalf is the only way to level the playing field in insurance-related matters.

3. Receive Expert Guidance

Insurance claims, just like insurance policies, are very complex by design. Despite your best efforts, you simply won’t be able to anticipate the issues that may arise during the process, and you certainly won’t have the experience to figure out the best course of action.

In addition, due to your lack of familiarity with all the available options, you may fail to capitalize on some valuable opportunities.

For example, commercial losses are usually partial and while it may not be possible to sell damaged inventory, some items may have a significant salvage value. As such, it could be a good idea to keep some of the inventory and use it as a trade-off to cover some of the losses.

Without an expert advising you, this idea may not even cross your mind.

4. Maximize your settlement

According to an OPAGGA study , a public adjuster can negotiate a 747% larger settlement than what the insurance company originally planned to pay out. This is huge and can help you recover all losses, especially in catastrophic events when insurers are processing a larger amount of claims.

5. No upfront fees

Saving money at these tumultuous times is understandably your main priority. After all, you’re trying to minimize your losses. So we understand that you may resort to a DIY approach when filing an insurance claim in order to save some extra cash.

However, commercial public adjusters almost never charge upfront for their services as they work on a contingency basis. In other words, the adjuster isn’t getting paid unless they negotiate a favorable settlement.

This is not only a fair payment model, but it also provides you with a guarantee that the adjuster will fight as hard as they can to deliver a favorable outcome.

Ultimately, you have nothing to lose. Not hiring a commercial public adjuster is actually ludicrous when you consider just how much hiring one will benefit you.

Recover a Fair Settlement

Commercial claims can get significantly more complex than your run-of-the-mill homeowner’s insurance claim. Many potential issues can arise during the process, and every small mistake could end up costing you and your business a significant amount of money.

If you want to reduce risk while maximizing your settlement amount, you’ll need a commercial public adjuster who will work on your behalf and help you get the most out of your insurance claim.

If you don’t know whom to turn to, go for an adjuster with the most experience. Here at Continental Public Adjusters , we have a passion for helping the citizens of Florida receive what’s owed to them under their policies.

We’ve been in the business since 1982, so we’re familiar with each possibility and are ready to deal with anything your insurer tries to throw at you.

To protect your rights as a policyholder, schedule a claim review by calling (800) 989-4769 .

How To Check For Mold After Water Damage?

Mon, 02 Oct 2023 12:33:56 GMT

Mold from water damage can form in as little as 24 hours. This can be scary, especially if you live in an area such as Florida where the threat of hurricanes is always looming.

Because of this, whenever your home is exposed to a large amount of water, you need to act quickly and check for mold regardless of what type of water damage occurred.

However, you may not always be able to notice clear signs of mold, more so if it’s growing in remote places like in the padding of the carpet or within walls. While challenging, finding mold from water damage is not impossible if you know what to do.

To help you keep your home safe, we’ll show you how to check for mold after water damage and also discuss whether your homeowners’ insurance will cover mold-related damage.

Signs of Mold From Water Damage

Although not readily visible, you may be able to find other signs of mold in your home, some of which include:

1. Moldy smells

Most people describe mold as having a damp smell similar to the scent of wet socks. If you notice this, the mold infestation may already be in full swing. What should you do if you can sense a moldy smell, but can’t identify the source?

In that case, it doesn’t hurt to check some of the common hiding spots for mold:

Ventilation ducts
Behind the fridge
Behind ceiling tiles
Under the carpeting
Behind the drywall
Under sinks
Behind the wallboard

Keep your eyes (and nose) open, and you’ll most likely find mold lurking in these remote spots.

2. Stains on the carpet

Mold from water damage commonly targets the carpets, which are natural mold hotspots. Since mold can grow anywhere where there’s plenty of moisture, it’s imperative you dry your carpet thoroughly after a flood or similar “wet” event.

When checking for mold, you need to be meticulous. Inspect both sides of the carpeting, as well as the padding for any staining or moisture.

If the carpet was soaked in water and you let it dry naturally, chances are you’ll find clear signs of mold. In instances where a large surface area of the carpet is afflicted, you should remove both the padding and the carpeting to stop the mold from spreading to the baseboards.

In the future, if you want to prevent mold damage from water damage, diligently dry and sanitize any areas exposed to water and increase the ventilation in the room. You should also regularly vacuum the area and use a humidifier to keep the moisture level to a minimum.

3. Physical symptoms

If you’re wondering how to check for mold after water damage, you may not need to look far. In fact, you can confirm its presence by paying more attention to any increase in allergy symptoms.

Some of the health issues you may experience due to mold include:

Eye irritation
Runny or congested nose
Coughing
Sneezing and wheezing
Sore throats
Headaches

Common cold and mold exposure have similar symptoms, so how do you confirm if it’s just a regular cold or a severe mold reaction?

Check if your symptoms improve after you go outside or whether they get worse while you’re in a certain area of your home. If both are true, then you may have mold in your home.

4. Warped wallpaper or wall paint

Any warped paint or peeling wallpaper is a surefire sign of a mold infestation in your home. Peeling, cracking, or bubbling means that the material is damp, and as such, most of these distortions point to moisture damage - a prime condition for mold.

Similarly, discoloration on walls is another concerning sign of an infestation.

Does Insurance Cover Mold Damage?

Though mold can be damaging, determining whether insurance will cover it is very tricky. Most homeowners' policies describe covered perils. In other words, they list instances of damage that you can file a claim for.

Since one of the most common causes of mold formation is water damage, you need to first learn which water perils your insurance policy covers.

For instance, it may cover mold from water damage if covered perils include malfunctioning appliances or a burst pipe. In such instances, mold will be covered as it canbe considered "resulting damage" caused by a covered peril.

Keep in mind that your policy may have a cap on mold remediation, meaning it won’t cover all the damages. Generally speaking, mold coverage is limited per occurrence with the amount depending on the insurance company.

Due to challenging weather conditions, Florida is not a stranger to floods. Despite this fact, mold that happened as a result of floodwaters isn’t covered by standard policies because they also don’t cover flood damage. To keep your home safe, we recommend purchasing flood insurance.

Luckily, mold that resulted from a hurricane or an ice storm may be covered. For example, if a hurricane damages your roof, allowing the water to penetrate the interior of the home, you can file a claim for ensuing mold infestation along with the claim for roof damage.

How to File a Claim For Mold Damage

As reputable mold public adjusters , we helped many homeowners file successful mold damage claims. In our experience, doing the following will increase your chances of receiving a settlement:

Document all the damage, including photos and videos
Provide all maintenance records
Follow your insurance company’s instructions on filing the claim
Use only mold removal companies approved by the insurer

Even if you do all of these, it’s still not a guarantee that the insurance company will approve your mold damage claim. They will send their adjuster to inspect the damage, but this individual is working in their best interests and not yours.

This is why you should contact mold public adjusters if you’re serious about recovering favorable compensation for mold from water damage.

Everything You Need For a Successful Mold Claim

Mold is a force to be reckoned with. Yet, insurance companies typically try to minimize mold damage to avoid paying the full amount. This is understandable, as insurers have a business to run and the last thing they want is to cash out $10k for a full remediation protocol.

To improve your chances of a successful claim, consider working with Florida’s best mold public adjusters. Here at Continental Public Adjusters , our main goal is to protect the rights of policyholders and help them file a claim that provides them with the money they’re entitled to under their policies.

We’ve been settling mold claims for decades, and if there’s anyone who can help you - it’s us. Make your insurance claim a success story by calling (800) 989-4769 .

Insurance Claims 101 - When Is It Too Late To Hire A Public Adjuster?

Mon, 25 Sep 2023 09:54:50 GMT

Since Florida is prone to natural disasters that generally cause a great deal of damage to properties, residents of this state rely heavily on insurance to fix their homes without going through unnecessary financial ruin.

While insurance can help cover the damage for many perils that homeowners face, not every insurance claim is smooth sailing. For instance, it’s not uncommon for the insurance company’s adjuster to minimize the settlement offer or reject your claim altogether.

Fortunately, public adjusters can help handle your claim and ensure you receive the amount of money you need to cover all damages.

In today’s post, we’ll go over the basic information and answer the question of when is it too late to hire a public adjuster Florida .

Insurance Claims Process Explained

If you’ve never filed an insurance claim, the following example will help you understand the entire process.

Let’s say a pipe bursts in your upstairs bathroom while you’re at work. After the bathroom floods, gravity pulls the water toward the ceilings in the rooms on the floor below, and water ends up ruining your hardwood floors.

The logical step is filing a claim to remediate all the property damage. You first need to report the incident to your insurance company, and they’ll send their adjuster to evaluate the damage and estimate the cost.

Later, you’ll receive an offer for a certain amount, and if it’s enough to cover the repairs, good. However, what should you do if you disagree with the insurance company’s offer? You can hire a public adjuster.

What Do Public Adjusters Do?

Public adjusters are individuals who specialize in insurance claim matters and file claims on behalf of homeowners. They have a deep knowledge of insurance policies and are experts in the claims process. Most importantly, they’re familiar with all the tricks insurance adjusters use to undervalue claims. As such, they can help homeowners maximize their settlements.

Most policyholders hire public adjusters if their insurer denies or undervalues their claim, yet, you can hire them even earlier in the claims process.

Benefits Of Hiring a Public Adjuster

Many homeowners assume they don’t need to hire a public adjuster because the insurance company will send out an adjuster anyway. Little do policyholders know, these adjusters work primarily in the interest of the insurance company, meaning they want to help their employers save money.

Trusting the insurance company’s judgment and accepting their initial offer may lead you to sacrificing the quality of your restoration work or spending more money if you want to make proper repairs.

On the other hand, hiring a public adjuster Florida comes with unique benefits, including:

1. Take Advantage of Deep Expertise in Insurance Claims

Navigating a complex insurance claim is intimidating, especially if it’s your first time. Since public adjusters handle insurance claims all the time, they know everything about policies, claims process, and different types of coverages and endorsements.

By working with them, you can take advantage of all their knowledge, which can lead to a more successful claim.

2. Public Adjusters Work for You

Generally speaking, your interests and those of your insurance company are in conflict, and the insurance adjuster will always look for ways to minimize your payout. In contrast, a public adjuster works for you and they’ll use their skills to secure a fair settlement that reflects the coverage described in your policy.

3. Maximize Your Settlement

Public adjusters have the expertise to provide you with an accurate estimate of repairs and will work diligently to negotiate a settlement. They can thoroughly analyze your policy, then identify and seek all the applicable damages you may not have been aware of in the first place.

4. Ensure a Smooth Claims Process

Dealing with insurance is very time-consuming. By hiring a public adjuster Florida, you have a valuable partner who will handle all the necessary paperwork and act as a liaison in negotiations with the insurance company. This helps ensure a smooth claims process and saves you a hefty amount of time.

5. Level the Playing Field

Most public adjusters have worked for insurance companies in the past. Hence, they possess insider knowledge that helps them enter into productive discussions with adjusters working for the insurer.

This ultimately levels the playing field, thereby increasing your chances of receiving a fair settlement.

When Is It Too Late To Hire A Public Adjuster?

What if you already filed your claim - can you still benefit from hiring a pro? It’s only natural to worry about when is it too late to hire a public adjuster Florida.

There are time frames you need to respect. The best time to hire a public adjuster is as soon as you report a claim to the insurer. That way, the adjuster has plenty of time to review your claim and related documentation before they file anything on your behalf.

If you already filed a claim or the claim was closed, it doesn’t mean you can’t hire a public adjuster. In fact, you can still file an appeal which a public adjuster can help you with.

So if you’re wondering when is it too late to hire a public adjuster, the answer is never.

Receive What You’re Entitled To Under Your Policy

Although insurance companies can help you receive the compensation necessary to make repairs, it’s rarely that straightforward. After all, insurers are running a business and need to protect their bottom line.

Nevertheless, you are entitled to fair compensation and you can receive it by working with a public adjuster.

Insurance companies mostly rely on the desperation and ignorance of homeowners to get them to buckle down and agree to the most minimal settlement. A public adjuster Florida can tip the balance in your favor and get you the money owed to you under your policy.

Don’t know who to call? Then Continental Public Adjusters are your best bet. We’ve been fighting for the rights of policyholders since 1982, and we even helped settle hundreds of Hurricane Andrew disaster claims.

Receive fair compensation and schedule a claim review by calling (800) 989-4769 .

Why And How To Choose The Right Fort Lauderdale Public Adjuster

Mon, 27 Feb 2023 05:47:34 GMT

Regardless if you have a homeowner’s or a commercial claim on your hands, it can be very confusing to navigate the process. You need to provide certain documents, review your insurance policy (our condolences), and negotiate with the insurance adjuster.

Thankfully, you don’t have to do this alone. If your commercial property or your home suffered any kind of damage, you can file an insurance claim with the help of a Fort Lauderdale public adjuster.

These individuals are like your representatives in the claims process and will help you in many ways by taking control of your insurance claim. However, not every public adjuster is created equal, which is why you should learn how to find someone who can help you receive the settlement you deserve.

Keep reading to learn the benefits of hiring one and how to choose the right Fort Lauderdale public adjuster.

Why You Should Hire a Public Adjuster

Many people have heard about public adjusters but have no idea how these individuals can help them. As a result, many simply decide to start the claims process on their own.

If you still think hiring a Fort Lauderdale public adjuster is not worth it, the following benefits may convince you otherwise:

1. They help level the playing field

Even though they seem like they’re willing to help you, insurance adjusters inspecting your property are not on your side. They are hired by the insurance company and will do everything in their power to minimize your damages so they can save money for their employer.

If you hire a public adjuster, you have someone who is actually looking out for your best interests and who knows the tricks most adjusters use to get you to accept the initial (usually minuscule) offer. In other words, they help level the playing field and make sure you get the settlement you deserve under your policy.

2. They can give you peace of mind

Dealing with a collapsed roof or water damage is stressful. In circumstances like these, you’re more likely to make mistakes when filing the claim, thus ending up taking anything that the insurer offers just so you can get it over it.

With a Fort Lauderdale public adjuster, you can relax and focus on yourself while a professional is focused on crossing all the t’s of your insurance claim.

3. They can maximize your settlement

Your Fort Lauderdale public adjuster is a bona fide expert in insurance claim-related matters . As such, they know exactly how much the damages on your property are worth and what you can include in your claim to maximize the settlement.

Ultimately, this helps you eliminate your out-of-pocket expenses and to return to normal as fast as possible, with minimal financial damage.

4. You don’t pay them upfront

Many homeowners assume they can’t afford someone to handle their claim, especially since they’re already at a financial disadvantage from their property damage. In reality, the majority of public adjusters work on a contingency basis by receiving a percentage of your settlement.

This means they’re not getting paid unless you get paid.

In many ways, this ensures they’ll work as hard as possible to obtain a better settlement since they’ll also get paid more.

If you don’t believe us, a government study reported that hiring a public adjuster can increase an average insurance payout by 747%.

The Process of Finding The Right Public Adjuster

While that fee seems worth it now, as we already mentioned, not every public adjuster is the same. There is a public adjuster boom in the US and not everyone who chooses this career path can provide consistent results.

Here are some ways you can see to it that you’re hiring a Fort Lauderdale public adjuster who can deliver on their promises:

1. Visit the website of their company

A good first step would be checking their company’s website to validate legitimacy. There should be plenty of information about them online and you should have no trouble finding any additional marketing materials.

If a public adjuster you’re talking to only has a Facebook account, they may not be the real deal (certainly not the one you’re looking for).

2. Ask the necessary questions

A reputable Fort Lauderdale public adjuster will be forthcoming, so feel free to ask them a series of questions, such as:

How long have you been in the business?
Have you handled claims similar to mine, and if so, how many?
Can you provide me with references from past clients?
What is your methodology for determining the value of the claim?
Do you communicate with your clients during the claims process, and if so, what is your primary method of communication?

3. Check their license

Everyone can lie and put together a fake website, which is why you should check if they have an active license.

You can do this through the Florida Department of Financial Services license search . It provides you with an easy way to verify if the adjuster of your choice is licensed to offer adjusting services in the state of Florida.

Next, you can check if the Fort Lauderdale public adjuster is a FAPIA member . These adjusters are licensed by the state and have to adhere to a code of ethics.

4. Don’t fall for promises

An experienced public adjuster will never make wild promises before reviewing your policy and inspecting your losses first. If you’re talking to someone who is adamant you’re getting rich without knowing anything about your damages, they’re not a good fit for you.

5. Be vigilant about any red flags

Along with wild promises, a shady public adjuster will also demand an upfront payment. If this happens, run.

A major red flag is also an individual who talks the talk but doesn’t walk the walk. What we’re saying is, they’ll throw in dollar values but be vague about their experience and will try to avoid the topic of references. If they have a good reputation and are as good as they claim to be, they will willingly provide references and be happy to answer any inquiries.

An Adjuster You Can Trust

As you can see, deciding to hire a Fort Lauderdale public adjuster is the easiest step. Finding someone who can deliver the results and maximize your claim is a whole different story.

There are many public adjusters in Florida and not all of them are worth your time, which is why you should only hire someone that has an impeccable reputation. If you don’t know where to start, the website of Continental Public Adjusters is as good a first step as you can make.

We’ve been in the business long enough and have handled all types of residential and commercial insurance claims. Feel free to check our credentials online, along with online reviews we’ve accrued over the years.

Call (800) 989-4769 and schedule a free consultation where we’ll take a closer look at your policy and show you exactly how we can help you.

How To Minimize The Chance Of Your Homeowners Claim Getting Rejected Or Undervalued

Mon, 20 Feb 2023 06:49:37 GMT

Filing an insurance claim is the best way to restore your home after a disaster or other unforeseeable event.

Nevertheless, even if you’re banking on a large cash settlement and you trust your insurance company, the reality is that some claims might get rejected or undervalued. This could have a highly negative effect on your finances.

The solution is to prepare yourself for all the scenarios beforehand.

Read this article to learn in what circumstances would a property insurance claim be rejected and how to get the most out of it.

In Chat Circumstances Would A Property Insurance Claim Be Rejected?

Rejection of any kind stings, but in most cases, you can track it down to something you did wrong. The same applies to your insurance claim, which is why it’s helpful to learn why claims usually get denied.

Here are the top five reasons:

1. Missed deadlines

In what circumstances would a property claim be rejected, you may ask?

When homeowners miss the filing window, like a klutz. Unfortunately, this also relinquishes the opportunity to recover the money they are entitled to under their policy.

Filing an insurance claim is an urgent matter, with the typical filing deadline with most insurers being around 180 days.

To be on the safe side and recover money faster, make sure to start the claims process as soon as possible.

2. You haven’t purchased the necessary coverage

While it’s easy to assume everything is covered in your policy, this couldn’t be further from the truth. A basic policy will only cover lightning, wind , and fire damage, with water and flood damages requiring separate coverage.

Many homeowners are ignorant about their insurance coverage. It’s not uncommon to see many Floridians get denied in times of extreme flooding because they didn’t purchase water damage insurance. Such was the case recently with Hurricane Ian.

3. You missed your insurance payments

Do you know what happens when you forget to pay your insurance premiums?

Your policy lapses, in which case your insurance company has the right to reject your claim.

The good news is that this is very easy to avoid - always pay your premiums on time.

That way, you ensure you don’t get denied due to missing a payment and you’re also keeping your record rating high, which translates into lower future premiums. Yay!

4. Lack of care

Insurance policies generally require your property to be in great condition before you can recover any damages. In other words, you are responsible for maintaining your property, and if your insurance company finds evidence of a lack of care, they will simply discard your claim.

While this seems unfair, not maintaining your property is a red flag for insurance companies. They will most likely stipulate that your lack of maintenance contributed to the damage.

5. Misleading your insurance provider

You should never lie to your spouse or the police. But since we’re talking insurance claims, you should add your insurance company to the list too.

For instance, many people try to mislead their insurance provider by hiding information about their previous claim to receive a no-claims discount. This normally doesn’t end well for the homeowner, as the insurance company now has the grounds to deny your claim.

The same applies to documenting the damage - never overestimate anything. The insurance adjuster will inspect the damage, and if they learn the information you listed in your claim form is inaccurate, you’ll be in hot water.

How to avoid an undervalued claim

You might be thinking: ‘’Now that I know in what circumstances would a property claim be rejected, I can recover the full amount of damages! Score!’’

Not so fast. Curb your enthusiasm as many insurance claims can still get severely undervalued by the insurance provider.

Insurance companies are a business and they have to think about their bottom line. As such, they’ll scramble to find any reason to pay you less.

Here’s what you can do about it:

1. Be familiar with your policy

As we mentioned, many homeowners have no idea what their policy covers. As a result, they end up with the short end of the stick. This can be devastating in cases of natural disasters.

For example, most basic policies have coverage gaps for damaging events such as:

Sinkholes
Floods
Landslides and mudslides
Earthquakes
Lightning surges
Sewer back-ups

This is why you should be aware of every coverage in your insurance policy as it’s the only way to be protected in case a catastrophe strikes.

2. Maintain a comprehensive home inventory

To maximize your insurance claim, you need to be adequately prepared. The best way to do so is by keeping an up-to-date inventory of the items in your home.

This helps you avoid the dreaded scenario in which you can’t replace something because you forgot to include it in your claim form (it happens more often than you think). More importantly, an inventory helps expedite the insurance claims process, thus ensuring you receive your settlement faster.

Pro tip: don’t shy away from also attaching photographic evidence. That way, you can provide clear evidence of the pre-disaster condition of the item and your insurer won’t be able to dismiss the damage by claiming it already existed.

3. Document the full extent of the damage

If, by chance, the disaster does strike (it’s Florida and the chances of this happening are always high), you need to document the damage and all the damaged items.

We’ll loop back to the previous point as that inventory will come in handy. Include everything from the price, cost of replacement, and age of the item.

At this point, you should hire an independent public adjuster to better prepare for the meeting with the insurance adjuster. This helps safeguard you from receiving a low estimate of the value of the damages.

For instance, if you receive a significantly smaller estimated amount than what your public adjuster projected, you’ll be 100% sure that your insurance company is trying to exploit your misery.

4. Make temporary repairs

While you shouldn’t try to fix the roof yourself, you do need to make all the necessary temporary repairs to stop additional damage (i.e. putting a tarp over the roof). This not only helps you minimize the damage to your home, but it also avoids the scenario in which your insurance company claims you didn’t make repairs promptly.

We recommend looking for and documenting multiple estimates and saving all the receipts to get reimbursed fairly.

Receive What You’re Entitled To Under Your Policy

Now that you’re familiar with the proper steps to take in case of disaster and the circumstances in which property claims are rejected, you can file a stronger claim, plain and simple.

However, you can also cut out a lot of confusion and maximize your policy by working with an experienced public adjuster.

Here at Continental Public Adjusters, we believe every homeowner should get the appropriate amount of money as covered by their insurance policy. Sadly, policies are convoluted and rarely straightforward so to accurately assess the true value of your claim, you’ll need a public adjuster.

Call (800) 989-4769 to schedule a free consultation and we can help you receive every penny you’re entitled to under your insurance policy.

Does Homeowners Insurance Cover Replacing Cast Iron Pipes?

Mon, 13 Feb 2023 08:03:46 GMT

It’s hard to think of a time when PVC pipes weren’t a standard. Most homes in the US built before 1975 used a cast iron plumbing system, and this even happened well into the 80s in certain places.

Chances are if you bought a home that was built back then, you most likely have cast iron pipes.

While cast iron is known as a highly durable material, it still deteriorates over time. To make matters worse, it usually deteriorates from the interior, making it hard to know about the actual state of your pipes.

According to research, cast iron pipes in Florida last between 40 and 60 years . So if you have an older home, you may experience drainage/ plumbing problems sooner than expected.

So how do you go about this? Is replacing cast iron pipes an expensive project, and does homeowners insurance cover replacing cast iron pipes?

How Much Does It Cost To Replace The Pipes?

There are too many factors at play to be able to come up with an exact dollar amount. Nevertheless, you can expect to pay something in the rough ballpark of $175 per foot of pipes.

As with any other project, you always need to consider extra costs. For example, you may have to replace the concrete or tiles, or vacate your home and pay for alternative accommodation.

Additionally, keep in mind that repairing the foundation may cost as high as $4k. If there is any water damage, you may have to pay around $2.5k in repairs, and if there’s any standing water, you’ll need to cash out a whopping $3k to remove it.

We’ve seen iron cast pipe replacements projects cost from $20k and upwards of $100k for larger homes. This is a major expense, which is why many homeowners rightfully look for ways to avoid paying for the full bill out of pocket and wonder does homeowners insurance cover replacing cast iron pipes.

What Your Insurance Policy May Cover

Naturally, if you file a claim, your insurance company will cover the cost of new pipes, right?

Regrettably, it’s a lot more complicated than that. Your insurance company will only pay for the replacement of pipes in certain events such as:

Collapsed cast iron pipes
Extensive deterioration of the pipes (holes or cracks)
Overflow or backup of water

Here’s the part that confuses homeowners when they try to figure out if or when does the homeowner's insurance cover replacing cast iron pipes. Your insurance policy will cover all the expenses, but the pipes themselves.

What Does That Mean?

Even though PVC pipes aren’t that expensive (a 2,500 sq home requires about $2k in pipes), your insurer will only pay for indirect damages. For instance, they may cover the cost of cutting into the concrete slab and your floors, and accessing the pipes in multiple parts of your house.

However, if a backup or overflow created the mess or your pipes are cracked beyond repair, your insurance company may be able to cover the damage for the following:

Floors
Kitchen cabinets destroyed by the overflow
Walls
Bathroom drywall
Cutting through the concrete slab and replacing it with new concrete

Problems you may run into

Now that you know the answer to the question of does homeowners insurance cover replacing cast iron pipes, you may think you have enough information to file a claim. There is one problem though - insurance claims are rarely straightforward.

This is why you should involve a public adjuster in the claims process as soon as possible. While they will maximize your claim by negotiating with the adjuster from the insurance company, their biggest advantage is the knowledge they bring to the table.

A public adjuster will be able to clarify the ins and outs of your policy, which is crucial if you want to avoid any problems.

Consider the following:

What if the insurance representative tells you they don’t cover any cast iron pipe replacements, or that your water damage limit is capped at 10k?

In some cases, this isn’t the end of the world and you can still receive coverage by closely analyzing your insurance policy with a public adjuster.

Let’s look at a few examples:

1. Declaration page wording

Insurance policies aren’t easy to understand for most homeowners, which is why having a professional help you understand the specific wording is almost mandatory. On top of that, there are sometimes discrepancies buried within that are hard to recognize.

For example, a declaration page could contain a Water Damage Limit of 10k and state that the Water Damage Exclusion is included.

This could mean either that you have a certain water damage limit and that you have no coverage for any water damage.

Once you take a closer look at the endorsement page, you may see a sentence claiming that this water damage limit is available ‘’for an additional premium’’. Roughly speaking, this means you are supposed to pay a premium for a $10k limit.

Yet, there is an inconsistency here - the declaration page doesn’t mention any premiums, it simply says included. In other words, you do have coverage for water damage .

This may be impossible to decipher without a public adjuster.

2. Endorsement wording

When previously talking about does homeowners insurance cover replacing cast iron pipes, we mentioned that your policy will most likely cover only indirect losses.

This is impossible to know without closely examining your policy.

For instance, the endorsement may mention things such as discharge or overflow of water, or sudden and accidental direct loss.

But nowhere does it mention indirect damages, only direct physical loss. This could refer to the water that overflowed and caused damage to your vanity, floors, or baseboards.

If we’re to go by what the policy outlines, nowhere does it say that it covers the costs of tearing into your concrete floor.

These are just two glaring examples of why a public adjuster is necessary for handling your claim properly.

A public adjuster eliminates all the confusion

Replacing an entire plumbing system is a major project, and since you’re already paying for your insurance policy, you deserve all the extra cash you can get. But as you can see, insurance policies are written in a way that is confusing for many, and your provider is banking on you staying confused so they can protect their interest.

Hiring a public adjuster simply levels the playing field.

If you have no idea where to start looking, Continental Public Adjusters is a good (and maybe the final) step. We have decades of experience clarifying incoherent insurance policies, filing claims, and negotiating with insurance companies. We’re ready to apply that experience to your claim too.

Call (800) 989-4769 to schedule a free consultation and eliminate all confusion from the claims process.

Why You Should Hire A Commercial Public Adjuster For Your Business Loss

Mon, 06 Feb 2023 08:15:47 GMT

Running a business is hard enough in itself, so any additional challenges you may face can be too much to bear. The worst thing you can experience as a business owner is any form of property damage that occurred due to an unforeseeable event.

To make matters worse, these occurrences can also be quite costly and cause a significant dent in your bottom line.

This is why many businesses file commercial property claims to recover some of the damages.

However, commercial claims are typyically quite complex. While the insurance adjuster sent to your property by the insurance company seems like they might be able to help you, they’re actually looking out for the insurance company’s best interests. In other words, their goal is usually to get you to settle quickly.

The best way to ensure you’re treated fairly by your insurer is to hire a commercial public adjuster . Here’s how they can help you navigate your claim from the beginning to the end.

1. Handling Your Claim

Businesses usually have insurance policies that contain multiple endorsements structured around their needs. When compared to an average homeowners insurance policy, commercial policies are typically on a whole new level of complexity.

This is why you should hire a commercial public even before you file the claim.

Most business owners are simply unfamiliar with the fine print of their policies and can’t spot coverage issues that may lead to their claim getting denied or undervalued .

But with a commercial public adjuster, you’re getting a partner with experience who can spot problems early and avoid them before they completely derail your claim.

2. Leveling The Playing field

Once you file a claim, an insurance company will appoint an adjuster to your case. This individual will also inspect your commercial property for damage.

As we mentioned previously, these adjusters are hired by the insurance company, and are rarely impartial. They’ll do everything in their power to get you to accept the initial offer, even if you are entitled to more money under your insurance policy.

A commercial public adjuster helps level the playing field and stops the insurance adjuster from taking advantage of you in times of high stress.

3. Helping You During The Investigation

When the insurance adjuster inspects your property, they’ll fish for information and ask you many questions. Naturally, some of these will be designed to reveal damage or coverage issues.

The problem is that the average business owner isn’t aware that these questions can jeopardize your insurance claim. To make matters worse, you can’t avoid these questions or refuse to answer them - you have to cooperate with the insurance company.

The solution is to have a commercial public adjuster present who can inform and prepare you for the investigation. Additionally, they may also conduct an independent investigation that may reveal potential issues ahead of time.

4. Saving You Time

As a business owner, you’re well aware that you can’t do everything on your own. You need a full team to handle the day-to-day operations. This isn’t to say you’re not an expert, but you may simply not have enough time to do everything necessary up to standard.

The same can be said about your commercial property insurance claim. While you might be able to do the paperwork yourself, and deal with the insurance company, it’s going to put significant stress on your life and drain you of valuable time.

But by hiring a commercial public adjuster, your claim is taken care of, and you can focus your full attention on your business.

5. Giving You Expert Advice

Signing up with a commercial public adjuster means you can make the best choices for your claim and circumvent any potential issues that may arise.

Here’s just one example:

Commercial losses are usually not total losses. While it’s typically impossible to sell damaged inventory, you might still recover some damages. For instance, inventory might have a salvage value.

Without a commercial public adjuster, you wouldn’t have the foresight to keep the damaged items as a trade-off for a reduced payment.

6. Maximizing Your Settlement

As we previously discussed, many business owners will simply take what they can get, even if it’s a lowball offer. The reality is that you don’t need to accept that first settlement, as the total amount is up to negotiation.

However, even if you’re aware of this fact, chances are that no matter how much you prepare, the insurance adjuster will try all the tricks in the book to get you to accept the initial offer.

The solution is to have a commercial public adjuster negotiate on your behalf. These experts are familiar with all the tactics insurance companies use to minimize your claim, as such, they can help you receive the money that you’re legally entitled to as per your insurance policy.

More importantly, a commercial public adjuster can also help you dispute Actual Cash Value. This is a common method of paying out some claims which also include a depreciation deduction. The value is achieved by using complex depreciation tables and software that calculates the average life expectancy.

In other words, if the insurer calculates that your property doesn’t fit into the average category, they’ll offer an unreasonable settlement.

Your public adjuster can help you avoid this by finding proper documentation which they can use to successfully dispute a lowball offer.

Hire The Best Commercial Public Adjuster In Florida

Handling your valuable commercial insurance claim alone is a recipe for disaster. There is a high probability of overlooking an issue or accidentally saying something wrong to the adjuster inspecting your property.

All of these can lead to an undervalued claim that simply won’t be enough to cover all damages.

This is exactly why you need to hire the most experienced commercial public adjuster available as your guide and ally in the process.

If you’re in Florida, you can’t go wrong with Continental Public Adjusters .

We’ve handled many high-level claims and successfully negotiated favorable settlements for many of our commercial clients. We have decades of combined experience, and an unmatched depth of knowledge about the ins and outs of all commercial claims.

Call (800) 989-4769 to schedule a consultation so we can discuss the plan of action as soon as possible.

Advantages Of Hiring A Public Adjuster

Mon, 30 Jan 2023 08:44:21 GMT

Your home getting damaged in a weather catastrophe can be traumatic. Not only is it tough to deal with the fact that the damage was caused by something out of your control, but you also have to endure potential financial consequences.

As a solution to financial uncertainty, homeowners should file insurance claims. Unfortunately, this process is stressful in itself, and there’s always a possibility that you won’t recover the maximum amount of money you’re entitled to in your policy.

This is why a growing number of homeowners choose to hire a public adjuster to make the entire process smoother and recover the highest settlement possible.

Today we’ll learn how on your side public adjusters can help you with your homeowner's insurance claim.

Why You Should Hire A Public Adjuster

Insurance claims are more common than you think - one in every 20 insured homeowners files a claim each year. For places like Florida which are prone to large-scale disasters, entire neighborhoods and communities might need to file claims at the same time

Do all of these homeowners need to hire a public adjuster?

No, as some claims are quite small and straightforward enough to be handled by your average homeowner. That doesn’t mean that the average homeowner can’t benefit from hiring a public adjuster, though - more so.if they want to strengthen their claim and recover a full compensation.

On the other hand, for valuable and intricate claims such as those for fire damage, you shouldn’t even think about filing a claim without the help of a public adjuster.

Pros Of Hiring A Public Adjuster

Even if your claim isn’t large, you can hire a public to maximize it and significantly lower the chances of an undervalued claim (which could force you to cover the remaining expenses out of pocket).

By working with on your side public adjusters, you can receive the following benefits:

1. You have someone looking out for your best interests

If you ever filed an insurance claim, you’re well aware that the insurance company has an insurance adjuster working for them. These are the people who will visit your property and inspect the damage.

The settlement that the insurance company offers will be based on this inspection.

You can probably already see the problem here - the adjuster works for the insurer and it’s in their best interests to save a few bucks for their employer.

By having on your side public adjusters that work for you instead of the insurance company, you can offer an alternative opinion against the biased inspection from your insurer.

2. Helps you contest maximize your settlement

Most people are afraid of what’s going to happen if they reject the initial settlement offer from the insurance company. However, that first offer isn’t the be-all and end-all as you can still fight for something better.

With on your side public adjusters, you can secure an offer that reflects the true damage you suffered. This is because these professionals are familiar with the fine print of most insurance policies and have the experience to successfully negotiate with adjusters working for insurance companies.

It all culminates in a settlement you couldn’t have negotiated on your own.

3. Avoid the extra stress

We live in a stressful world and dealing with a complex insurance claim on top of everything else can push even the strongest people over the edge. This is one of the main reasons you should hire a public adjuster, regardless of the type of claim.

By having someone help you throughout this trying time, you can save yourself a world of headaches.

4. Save time

Oftentimes, even the simplest claims might require a hands-on approach and a significant time investment. This is especially true when submitting documentation which may take days.

Additionally, you may have to delegate enough time to all the meetings with both contractors and insurance company employees.

Having on your side public adjusters in your service can save a significant amount of time as you’ll have someone doing all these tasks on your behalf.

5. Receive help with negotiations

The adjusters working for the insurance have been doing their job for years and can anticipate any counter arguments you spent weeks preparing. This is why it’s not a surprise to see so many homeowners accept the first insurance offer - they’re going into negotiations with bona fide professionals.

By hiring your own public adjuster, you can level the playing field. These professionals have most likely worked for insurance companies in the past and are already familiar with all the dirty tricks insurance adjusters love to use. In other words, the chances of receiving a fair settlement skyrocket with on your side public adjusters.

6. Expedite your settlement

Hiring an experienced public adjuster can dramatically accelerate the claim process. They know the process in and out and which allows them to avoid any bottlenecks most homeowners run into when filing their claims alone.

That way, you can receive your settlement as soon as possible, which means you can return to normalcy in record time.

7. Affordable way of fighting a denied/undervalued claim

The best thing about hiring a public adjuster is there are no upfront fees - they will be paid only if you receive a payment from your insurer.

The impulse many homeowners have when the insurance claim is derailed is to hire an attorney to resolve the issue. This can easily eat up most of your settlement as an average attorney will take between 33% and 40% of the pie.

In contrast, insurance adjusters' fees are limited by the state they practice in. For instance, the cap on adjuster fees in Florida is 20% for claims not based on declared emergencies, and for those that are, the fees are limited to 10%

Are There Any Disadvantages To Working With A Public Adjuster?

Many people are initially put off by the idea that public adjusters will take a piece of their settlement. In reality, the fee is insignificant when you consider the fact that most homeowners see a 747% increase in their settlement if they hire a public adjuster .

Regrettably, public adjusters may sometimes reject small claims. This is because small claims are usually not as financially viable as larger ones, particularly when you consider how small the contingency fee is.

It’s also worth noting that you should diligently research public adjusters before hiring. Not all have the same amount of skills and experience, which is why you should take a look at their track record and scour an excessive amount of online reviews.

Hire An Adjuster With A Pedigree

If you have an insurance claim, you should contact a public adjuster right away. This is more so true for larger claims in which you can’t leave anything to chance.

To save you hours of research, you should check out Continental Public Adjusters . We have decades of combined experience and we can dedicate a full team to handling your claim and getting you the highest settlement possible.

Don’t procrastinate, call (800) 989-4769 to schedule a free consultation so we can start working right away!

Insurance Coverage For Tornado Damage In Cape Coral Florida

Mon, 23 Jan 2023 09:35:24 GMT

One can never be safe enough in The Sunshine State due to its treacherous weather. Arguably the worst of all can be tornadoes in Cape Coral Florida , which are a common occurrence. While the latest one from January 2022 was scary, the tornado from January 2016 was even more destructive damaging over 200 homes in the process.

It’s natural to wonder what you can do if one of the tornadoes in Cape Coral Florida rummages through your neighborhood. The best recourse, if you’re unlucky enough to be affected by this destructive force, is filing a home insurance claim for tornado damage.

The question is - what kind of coverage can you expect?

Let’s break it down!

Is Tornado Damage Covered By Insurance?

In most cases of tornadoes in Cape Coral Florida , home insurance will typically cover damages to your home, property, and additional structures found on your property. In other words, most policies will cover repairs to the home and also pay to replace your items damaged by the tornado.

The same applies to loss of use coverage present in most insurance policies that reimburse you for your living expenses if you are forced to move out of your residence.

Tornadoes are usually classified as hail or wind damage , which is an integral part of most insurance policies. This means you can relax knowing you’re most likely covered if one of the many tornadoes in Cape Coral Florida comes your way.

Do Home Insurance Policies Cover Dwelling Damage?

Besides covering direct damage such as a tornado destroying your roof, home insurance also covers indirect damage.

For instance, even if your home isn’t in the direct path of the whirlwind, if a tree gets knocked down onto your roof or a projectile damages your home, the dwelling section from your policy has got you covered.

While you can replace your ceilings, roof, and flooring, your policy will enact the market value coverage or the replacement cost and rebuild your home if it’s destroyed. Neat!

What Personal Property Is Covered?

Most people worry about tornadoes in Cape Coral Florida damaging their homes, but they forget about all the valuable items that can also get damaged in the process. Thankfully, the so-called Coverage C or personal property insurance will cover indirect or direct damage to your personal belongings.

This means that electronics like TVs and computers are protected, but so is furniture and other valuable belongings.

Just like with dwelling coverage, Coverage C will pay you out based on actual cash value. It also accounts for depreciation or replacement cost coverage, which reimburses you the exact amount of money you paid for the items.

Because tornadoes in Cape Coral Florida can be unexpected, we recommend you put together an inventory of all your belongings. If possible, find all the receipts that show the actual value of your items.

What Is Loss Of Use Coverage In Insurance Policies?

In some cases, a tornado will cause such extensive damage to your home, you’ll be forced to vacate it. If that happens, you can leverage loss of use coverage to cover all your costs while your home is being repaired or rebuilt. Put differently, this coverage reimburses you for living expenses that you incurred due to a tornado.

This may include renting a home or booking hotel rooms, along with food expenses you sustained from eating out, gas costs, and additional costs like storage fees for your personal belongings.

If this happens, make sure you hold on to any receipts so you can recover costs for all these additional expenses.

Do Home Insurance Policies Cover Tornado-related Flood Damage?

Most tornadoes in Cape Coral Florida go hand in hand with ample torrential rains. This causes other bodies of water to overflow, which can easily flood your home, thus causing significant damage to personal belongings and serious structural damage to your home.

Sadly, flood damage is not covered by the basic home insurance policy, even when caused by tornadoes. To recover damages for this peril, you have to purchase separate flood insurance.

Since most homes in the US (and especially Florida) are located inside flood zones, you should purchase this coverage as soon as possible. The good news is that it’s affordable, so you’ve got nothing to lose.

What About Deductibles And Coverage Limits?

Because of the devastating nature of most Florida disasters, you should maintain sufficient coverage to protect your property and belongings.

For example, if you own a $200k home, you should maintain the same amount of dwelling coverage. The same applies to your personal belongings. If you have $40k in personal belongings, you’ll need property coverage of $40k to recover the damaged items.

You should also review your policy carefully to gain an understanding of your deductible. This is the amount you have to pay for the claim before your home insurance picks up the remaining funds up to the maximum outlined in your policy.

How To File A Successful Claim

Right after your home is damaged, you should contact your insurance company and file a claim. Although your property may look like a war zone, don’t fix anything until the insurance company adjuster inspects all the damage.

To be on the safe side, document all the damage yourself. Take photos or videos from multiple angles and leave no stone unturned. As we previously mentioned, a catalog of your belongings will also come in useful.

After you file the claim, the insurance company will send their adjuster to inspect your property and assess the damage. We recommend getting a second opinion from a licensed public adjuster or a contractor. That way, you can compare your expert’s estimate with the one from the insurance adjuster.

Protect Your Claim With Continental Public Adjusters

Even if you do everything properly, your claim might not go in your favor. For instance, insurance adjusters may deny your claim, undervalue your damages, or claim that damage happened due to a previous event.

This is why you should have a public adjuster on your side from the very beginning. That way, you can expedite your claim, recover the highest settlement amount, and if everything goes awry, successfully defend your claim.

If you want a public adjuster with a positive track record, feel free to reach out to Continental Public Adjusters . We have decades of experience and have handled many claims for tornadoes in Cape Coral Florida .

Call (800) 989-4769 to schedule a consultation so we can look over your policy with you and explain the entire process.

Why You Should Hire A Public Adjuster Orlando FL?

Mon, 16 Jan 2023 08:00:15 GMT

Florida is no stranger to extreme weather conditions, so it’s not uncommon for businesses and homeowners to suffer extensive damage in many weather-related perils. When that happens, filing an insurance claim is one of the few ways to find the funds to fix the damage.

Once your claim is filed, the insurance company will send their adjuster to inspect and evaluate the damage. The amount of money you’ll receive will depend on the ‘’results’’ of this inspection.

However, you can also hire a public adjuster Orlando FL to evaluate the damage on your behalf and help you recover a larger sum of money.

What Do Public Adjusters Do?

A public adjuster works for the policyholder and not for the insurance company. They help businesses and individuals file insurance claims and ensure a more favorable outcome.

Most importantly, a public adjuster Orlando FL can negotiate claims for damage caused by many different types of hazards, as well as loss of business income due to property damage.

But what makes them so special? After all, everyone can file a claim and at least try negotiating with the insurance provider.

Simple - they are experts in understanding the language and the finer details of insurance policies. They have plenty of experience adjusting and filing claims. For instance, some public adjusters have even worked for insurance companies, and are familiar with all the tricks insurers may use to undervalue claims.

They can also gather detailed claim information that’s too challenging for an average policyholder.

Additionally, they have experience in construction and related fields which is useful for inspecting and evaluating the damage on your property. For example, a public adjuster may leverage specialized software to aid their evaluation of property damage and form a stronger claim.

When To Hire A Public Adjuster

In most cases, you can benefit from working with a public adjuster. This is especially true for larger claims where every penny counts.

Let’s say your roof got damaged and you think you have a pretty good idea about the value of your loss. If you hire a public adjuster to get a second opinion, you may learn that you significantly undervalued your damage.

This is perfectly normal as you may simply forget to include something or may not be aware of all the costs you can include in your roof damage claim.

Maybe your roof was partially destroyed by the wind and you miscalculated the cost of a new roof. You may not know you should include the cost of removing the old roof, which costs an arm and a leg.

If you filed this claim, you wouldn’t be able to cover all your expenses even if the full dollar amount was approved. But by hiring a public adjuster, you’re ensuring that what you submit is as accurate and detailed as it can be.

How Much Will A Public Adjuster Charge You?

So you’re considering hiring a public adjuster Orlando FL, but you’re unsure of whether it’s worth the money? We have good news for you.

Most public adjusters will inspect the site for free before choosing whether they’ll take on your case. If they do, they won’t charge any fees directly - they’ll get paid a percentage of your claim. This fee can vary between different companies and is legally capped. In Florida, for most emergencies, the cap is 20% with a 10% fee cap for official state emergencies.

For larger claims, it’s also possible to renegotiate a lower fee.

In general, if you recover $100k, the adjuster will take $10k out of the total. While this seems excessive, without a public adjuster Orlando FL, your settlement would be significantly lower.

According to studies, individuals who filed a claim with the help of a public adjuster had a 747% increase in their settlement .

How To Choose The Best Public Adjuster Orlando FL

Just like with any other service, not all public adjusters are created equal. Here are some things you should consider before hiring one:

1. Check their credentials

Public adjusters must be licensed by the state they practice in and partake in additional courses to maintain their license.

Even though offering adjustment services without a license is illegal, it doesn’t stop some contractors and lawyers from offering them. This is why you should always check the credentials of someone you’re hiring. As a plus, maintaining a license is a great sign that you’re getting a good service.

2. Ask for a referral

If it’s not possible to ask an acquaintance to recommend someone, you can always ask a potential adjuster to give you the contact information of their previous clients. If they’re unwilling to do this, you should find someone else.

Speak to a few former clients and if most had a positive experience, chances are, you will too.

3. Check their experience

If you have a complex claim on your hands, you should look for an adjuster with experience. Ask them if they worked on claims similar to yours, if they ever negotiated with your insurance company, and how long they have been practicing.

Don’t simply look at the number of claims they worked on. Many experienced public adjusters take on fewer claims per year but only choose to work on larger claims that grant them a higher dollar amount.

4. Are they handling your claim alone?

Some prefer to work with a single person, while some companies have multiple adjusters working on your claim. For instance, one might visit your property and another will follow up for more information.

Using a company is actually a good thing as they may employ a public adjuster from their roster who’s a specialist in one particular type of damage.

Working With The Best Public Adjuster Orlando Fl

Hiring an adjuster to handle your claim can be one of the most important financial decisions you can make when disaster strikes. Many insurance companies will either undervalue your claim or in some cases, even deny it.

To maximize the amount you can recover and restore your property to its original state, you should contact a public adjuster Orlando FL.

If you have no clue where to start, you can’t go wrong with Continental Public Adjusters - a company with decades of experience. By working with us, you’ll have a full team at your disposal that will maximize the amount of money you are rightfully entitled to.

Don’t believe us?

We had numerous settlements where the insurance carrier offered around $200k and we successfully settled the claim for more than $1M .

Call (800) 989-4769 to schedule a free consultation and we can help do the same for you.

What To Do If You Have A Shower Pan Leak?

Mon, 09 Jan 2023 09:09:50 GMT

Many things could go wrong in your home without you even noticing. One of those things is a shower pan leak .

If this type of damage occurs, you can end up with a hefty repair bill leaving you wondering how you and your family can make the necessary repairs. In most cases, your homeowner's insurance can cover a shower pan leak, but sometimes, your claim might get denied.

Let’s explore this type of damage, why it happens, and the steps you can take to maximize your insurance settlement.

Why Does A Shower Pan Leak Happen?

A shower base or a shower pan is the floor of your shower. Its main purpose is to collect water from your shower head and move it down the drain. It can be made out of many different materials, such as acrylic, plastic, fiberglass, and many more. Typically, these pans are covered with a liner that protects the surrounding areas and the underlying structure from water damage.

Since a shower pan is waterproof, you might wonder why leaks even happen. One of the most common reasons is the wear and tear of the material. Even though this part is built to last, it’s exposed to wear and tear due to the constant influx of water. It might take years for this to happen, but there’s still a great chance that a shower pan was old even when you bought the property.

On the other hand, a shower pan leak could happen due to improper installation. These parts have to be properly fixed with caulk, sealants, and bolts. If not, the pan can move and start breaking up, allowing water to drain into the floor and the room below.

Lastly, a shower pan leak could also occur due to poor drainage, which may cause water to accumulate in the area between the shower pan and the drain.

How Can You Tell You’ve Got A Leak?

To avoid a real disaster, you should periodically check your shower for a leak. Dead giveaways are usually loose tiles next to the shower or a soggy carpet adjacent to a shared wall. In some cases, it’s also common to spot water stains on the ceiling in the room under your shower, as well as water-stained baseboards next to the shower area.

To test it out, you just need a few household items like duct tape, a bucket, and most importantly, about eight hours of free time.

Start by drying out the floor of your shower and cover the drain with duct tape. Fill the bucket up with water (don’t use the shower faucet), and pour the water into the shower. Simply monitor the situation and try to look for accumulating water. We recommend checking the level of water periodically for around eight hours.

If there are any drips or stains, you might have a shower pan leak.

How Serious Is The Leak From A Shower Pan?

Unfortunately, this type of leak isn’t that simple. This is because the water and moisture escaping into your floor can lead to softwood, mold dampness, and in a worst-case scenario, affect the structural integrity of your property.

In other words, you won’t only have to replace a few tiles and a shower pan, you’ll have to renovate the entire shower area and the timber it is built on. The full repairs will run you over $5k.

Does Insurance Cover Shower Leaks?

Because the damage from a leaking shower pan is expensive, the best course of action is to file an insurance claim.

There is a problem, though: homeowners insurance may deny your coverage. Typically, insurance covers unexpected losses and damages, and plumbing issues may not always check all the boxes required. This is especially true if your leak happened due to a gradual plumbing problem.

Insurance will, however, cover the damage if your shower leak was caused by a burst pipe or other quick-onset events.

Thankfully, if your damage falls into a gray area between unexpected or preventable, you may at least be able to recover some of the money. That way, you won’t have to pay for all the renovations out of pocket.

A great start is going over your insurance policy carefully and looking for the following clauses:

1. Property coverage

If your furniture, electronics, or any other property got destroyed due to water damage, under the property coverage clause, you can file a claim for shower pan leak losses. In other words, this clause reimburses you for any lost property from valuables, all the way to basic toiletry items.

Keep in mind there are limits to this coverage, though. For example, items like jewelry may not be covered, which is why you should read through this clause carefully.

2. Dwelling coverage

With dwelling coverage, you cannot cover the renovation of the plumbing. Instead, you can cover structural damage caused by your shower pan leak. For example, if the integrity of your walls, or floors is in jeopardy, you can file a claim for these issues.

While you may not recover the full amount, you’ll drastically cut down on costly repairs that will destroy the foundation of your home if left unchecked.

How to File a Claim

Before filing your claim, you have to review your policy and document all the damage. Once you contact your insurance provider, you’ve started the claim process, and you only need to wait for the i nsurance adjuster to arrive to inspect the damage. Afterward, you will receive your settlement if the damages are covered in your policy.

To ensure everything goes as planned, an expert should help you with your policy review and prepare you for filing your claim.

The claims process can be tough to navigate. For instance, many people believe insurance will pay for the pan, but the reality is insurance will pay for the costs of tear out and replacement.

You’ll also need someone to help you if your claim is denied by helping you appeal the denial.

Choosing a Public Adjuster

Since the outcome of your shower pan leak claim can have a significant impact on your finances, you shouldn’t take a gamble with it. This is why you should choos e Continental Public Adjusters - a company with decades of experience.

We handled all kinds of plumbing claims and we can ensure that you’re familiar with exactly what settlement you can receive.

Call (800) 989-4769 , schedule a free consultation and start the claims process the right way.

How To File A Smoke Claim

Mon, 02 Jan 2023 09:25:58 GMT

Fire is destructive in itself, but if your business or home had one, there’s another form of damage you should look out for - smoke damage . Smoke, ash, and soot can wreak havoc on your living or working space.

Unfortunately, a smoke claim can be quite complex to navigate, which is why we put together a set of tips on how to go about it.

What To Do When Filing A Smoke Claim

Once it’s safe to do so, inspect your entire property. Take note of any damaged areas and items in your home or office. Photograph everything from multiple angles and create a comprehensive inventory of ruined items such as appliances, valuables, and clothes. Don’t forget to get a copy of the fire department or the police report.

These are just the basics of filing most insurance claims, but smoke damage can be a bit different. To document the full extent of it, you have to dig a little deeper.

Even if you don’t see the direct effects of the smoke, toxic particles could still be floating in the air, posing a serious health hazard. This is why we recommend contacting a certified hygienist who can test the air quality and tell you if your home or building is safe to inhabit following a fire.

You should also check hard-to-reach places such as HVAC vents, f urnishings, insulation, electrical sockets, and so on.

Should You Clean Up Yourself?

Unfortunately, you can’t neutralize the dangerous effects of smoke by yourself. A lot of homeowners wrongfully assume that deodorizing the furniture is enough. However, to properly clean and repair smoke damage, you need access to specialized tools.

Why?

Because many homes have lead-based paint and asbestos materials. These construction materials are typically harmless unless a fire happens, which can cause microscopic asbestos fibers and lead particles to get released into the air.

To address this issue, you’ll have to contact an experienced inspector. If they determine your building is full of these dangerous particles, they may recommend hiring a contractor specializing in asbestos abatement and lead remediation.

Smoke remediation teams use high-efficiency HEPA vacuums to clear up particles and deodorize spaces that suffered smoke damage. After they complete the remediation process, your home or office space will be officially safe to inhabit.

How To File A Smoke Claim

As soon as the immediate danger of the fire is through, you should carefully review your policy. Check the declarations section where you’ll find which perils and types of damage are covered.

You can also learn about the deductible and any limitations in your policy, and more importantly, any time limits.

Once you get all the information (including the list of all the damaged items and photos), call your insurance company and report the damage.

Early in the process, the insurance company will send an adjuster to inspect the damage in your home or business space. Ensure you’re present while they conduct the inspection and note down which areas of your property they’ve inspected. Feel free to remind them if they missed a spot, so to speak.

You should also be there to answer any questions they might ask.

Afterward, you’ll have to wait for the insurance company to approve your smoke claim. If they agree to pay you out, they’ll issue a first check which is typically enough to cover about half of the repairs. Once you put that money to good use, you’ll have to deliver the receipts to your insurer to prove you spent the check only on repairs. They’ll review the evidence you provided and issue the second check.

Do You Need A Public Adjuster?

Public adjusters are usually a major part of larger smoke claims (those over $10,000), but hiring them can be beneficial even if the damage to your property isn’t that extensive.

Here’s why:

A public adjuster can increase the chances of settling your claim for the full amount, which you are entitled to under your policy. Since these individuals are licensed by the state of Florida, they don’t work for the insurance company - they work for homeowners (and themselves, of course).

While most people will turn to public adjusters if their smoke claim is denied or severely undervalued, it also doesn’t hurt to hire them at the very beginning of the process. For starters, they can collect all the documents and information required for submitting your claim. They can also communicate with independent contractors on your behalf, thus saving you time and the headache of dealing with multiple parties.

Their most beneficial aspect is arguably the ability to negotiate with the insurance company and help you receive the most favorable offer possible. It’s not uncommon for these experts to have spent time working as insurance company adjusters, which means they’re familiar with all the tricks that the insurance companies may pull to minimize your payout.

This can significantly level the playing field and even slightly tip the odds in your favor. You’ll avoid the classic ‘’David & Goliath’’ situation that most insurance companies take full advantage of.

The best thing is, you don’t have to pay an insurance adjuster out of your wallet as they’ll get a percentage of your settlement. According to Florida statutes, this percentage is capped at 10% for declared emergencies and 20% for claims not based on declared emergencies.

You might be thinking that this fee is excessive, but consider the following:

According to an OPPAGA analysis, homeowners who hired a public adjuster for their insurance claims saw a 747% increase in their settlement . This is more than enough to offset the minuscule fee your public adjuster will receive.

Why Continental Public Adjusters?

Having your smoke claim undervalued could severely impact the finances of your business or your household. This is why you shouldn’t take any chances, especially when dealing with smoke and fire damage.

By hiring Continental Public Adjusters , you can sleep easy knowing your claim is in good hands. We have decades of experience so we are well aware of all the areas where insurance companies cut corners and all the tricks they’ll use to minimize your payment.

Call (800) 989-4769 now to schedule a free consultation, and one of our team members will explain in detail how we can maximize, speed up, and strengthen your smoke claim!

Filing A Hollywood Florida Water Damage Claim

Mon, 26 Dec 2022 06:23:53 GMT

Even though they’re the most common types of insurance claims , recovering money for water-related repairs is rarely straightforward.

Thankfully, by taking the necessary steps after the all-important liquid wreaks havoc on your property, you can make the process of filing a Hollywood Florida water damage claim as painless as possible.

Here’s a good starting point.

Common Types Of Water Damage

As a general rule, your standard homeowner's insurance covers water damage that occurs suddenly and internally, i.e. the water didn’t enter your home from the outside.

Different types of water damage are covered by insurance:

1. Water backup

A sewer or water backup occurs when, as the name suggests, water backs up into your home (it’s being pushed into your home through the sewage system and pipes). This usually happens due to city-related pipeline issues, tree root intrusions, or old pipes.

2. Discharge damage

If you’re filing a Hollywood Florida water damage claim after an overflow or sudden discharge from an appliance or a water fixture, your insurance policy most likely covers this occurrence.

3. Flood water damage

This one is quite common in Florida and it takes place when the water rises to such a level that it enters your home. If only your home is affected, it’s not considered a flood claim.

Types Of Damages That Your Insurance Won’t Cover

The problem with some types of water damage is that it’s impossible to spot them until it’s too late. Unfortunately, for your Hollywood Florida water damage claim to be covered by insurance, the damage has to occur suddenly.

In other words, if the damage occurred due to a problem that was never addressed, your claim will most likely be denied.

This applies to gradual types of damage like cracked foundations or exteriors, pipes, or water fixtures that leaked over time and then caused serious structural damage. It also includes mold damage or deterioration of electrical wiring that occurred due to a lack of repair.

So even if your repairs might cost an arm and a leg, your insurance company will maintain the notion that your damage is gradual and deny your claim.

Tips For A Successful Water Damage Claim

To minimize the damage, you need to take a few measures. If possible, you should shut off the water source to stop spreading. Next, move your valuables somewhere safe.

If it’s a flooding scenario you’re dealing with, feel free to board up any doors or windows to prevent further damage. Try to remove any standing water and dry the area as much as possible.

Once you successfully evade a bigger disaster, make an effort to document the damage. Take videos or photos of the afflicted area or any damaged items. Try to produce the receipts, list all your possessions, and include their associated value.

If any items seem irreparable, don’t throw them away yet since you can use them as evidence.

We can’t stress this enough: don’t make any repairs until they’re approved by your insurance company . Your insurer won’t compensate you for any unapproved repairs!

Process Of Filing A Hollywood Florida Water Damage Claim

If you can’t find a copy of your policy, contact your agent. After you’ve got your hands on your policy, carefully review each section. The water damage coverage you have will be outlined in the declarations section.

You can also get in touch with a company that can perform an independent damage assessment, as well as give you an estimate of the cleanup and restoration costs.

Then, you can provide your insurer with these prices in addition to key information like the description and photographic documentation of the damage. Again, don’t forget to provide them with the full list of damaged items and any receipts you might have.

Pro tip: Get everything in writing! Keep a record of all communications throughout the claim process. Jot down any names, dates, and a brief recap of the conversation.

Once you file your claim, the insurance company will send the adjuster to inspect the damage. They’ll ask you multiple questions about how it occurred and may also inquire about the condition of the home before the event.

At this point, share the estimates you gathered from contractors with the adjuster.

After the adjuster submits their report, you will be issued a settlement to help you fix the damage and replace damaged items. Do note that it’s not possible to determine the exact time you’ll receive your settlement as it depends on a variety of factors.

The Outcome Of Your Claim

If everything checks out and you and the insurer agree on the settlement (i.e. it’s enough for you to cover the damage), you can finally start making repairs. They might send you a list of approved vendors. If they do, take some extra time and contact a few to receive a quote for the repairs.

Alternatively, they may deny your Hollywood Florida water damage claim. This can happen for a multitude of reasons, the most common beingyour policy not covering the peril. If you are covered, your insurance company may also deny your claim if they believe you didn’t maintain your property, which somehow contributed to the event in question.

Lastly, the settlement your insurer offers may not be enough to cover all repairs, which means you’ll have to pay for some things out of pocket.

In all of these unfavorable scenarios, you can successfully reverse the decision if you submit an appeal. So, the first thing you should do after you receive your denial or an undervalued settlement is to call the insurance company and ask them about the appeal deadlines.

You can then submit an appeal.

The insurance company will then send over another adjuster, which means you should have someone on your side - preferably a public adjuster or a contractor knowledgeable about the prices of repairs in your area.

Switch Up Your Strategy

If your Hollywood Florida water damage claim gets denied or undervalued, you still have a fighting chance. That is if you approach the appeals process differently and involve an unbiased party.

By having a public adjuster at your side, you have someone fighting on your behalf who can negotiate with the insurance company and help you receive a fair settlement. After all, an insurance company has an adjuster, and so can you.

Get in touch with Continental Public Adjusters by calling (800) 989-4769 . We’ll evaluate your case free of charge and support you in your fight for fair compensation!

Will Insurance Pay Out My Roof Damage Claim?

Mon, 19 Dec 2022 07:46:26 GMT

To say that Florida weather can be extreme and gusty is an understatement. We’ve seen numerous cases of flying debris hitting roofs and causing extensive structural damage due to strong winds.

In those scenarios, it’s crucial to tackle the issue as soon as possible by filing an insurance claim. The problem is - some roof damage claims may get denied or severely underpaid.

Continue reading to learn why this can happen and how to file a roof collapse Fort Lauderdale insurance claim .

Roof Damage And Homeowners Policies

Whether roof damage is covered by your homeowners’ insurance depends on the circumstances in which the damage occurred and the details of your policy. Typically, insurance will help you cover wind, fire, and hail damage.

For instance, homeowners insurance might cover your roof collapse Fort Lauderdale if it was caused by a falling tree during a storm.

On the other hand, if the roof collapsed due to neglect, insurance won’t pay a dime.

There are also two laws that may influence the outcome of your claim:

1. Valued Policy Law

2. The 25% Rule

The former states that if you suffer a total loss caused by more than one peril and only one of those perils is covered in your policy, the insurance company must pay you for the full amount. That is regardless of the amount of damage caused by the peril that is covered.

The 25% Rule ensures that if 25% or more of a roof segment requires repair, the entire roof has to be replaced.

Roof Collapse Fort Lauderdale Claims Process

Roof collapse and roof damage claims , in general, are difficult to navigate. For starters, you have to deal with multiple parties, including an insurance company adjuster and roof repair contractors who will determine the level of the damage and try to repair it.

Before getting in touch with your insurance company, you should first review your insurance policy. Then, you can contact a roof repair contractor who will provide their expert opinion and estimate the damage. If the estimate exceeds your deductible, you can notify your insurance company.

Afterward, the insurance adjuster will visit your property and assess the damage, after which you’ll receive a summary of the damages within the first few days.

If your claim is approved, you’ll receive your first check that covers half of the repairs. You’ll also have a limited amount of time to complete the repairs, but once you do, your insurer will require proof that you spent the money on fixing the damage. Only then will you receive the second check.

You can make the entire process of filing a roof collapse Fort Lauderdale claim a whole lot smoother by being proactive.

To begin with, you should get the damage inspected as soon as possible. This is vital because this type of damage will only get worse if left unattended. The faster you inspect the damage and file the claim, the quicker you can repair the damage.

Next, it doesn’t hurt to document the loss properly. Take detailed photographs of the collapsed or damaged roof from multiple angles to show the full extent of the damage. Additionally, if you have any relevant financial documents such as receipts, make sure to attach those as well.

What Leads to Denied Claims

Not every damage or roof collapse Fort Lauderdale insurance claim will get paid out. A claim could get denied for various reasons, most commonly:

1. Missing the filing deadline

Insurance claims must be filed within a reasonable time, and all the damage needs to be repaired within a year of when it occurred. If you missed any of these deadlines, failed to provide your insurance company with a valid explanation, or didn’t file an extension request, they have a reason to deny your claim.

2. Previous damage

Your policy won’t cover the damage if your roof collapsed due to a combination of old and new damage. Your claim will get denied if previous damage is the main cause of the problem. This also applies to damage that happened while you were under a previous policy.

3. Worn out materials

All construction materials have to be replaced periodically. For instance, if you bought a house with roof shingles that were a few decades old and your roof started leaking after a few years, it could be that the shingles simply worn out.

If a similar scenario happens, your insurance company may deny your claim because the damage could have been avoided with proper maintenance.

4. Your roof was only partially damaged

When dealing with a roof collapse Fort Lauderdale, insurance companies have to first establish the roof was damaged enough that a partial repair won’t suffice before approving a roof replacement claim.

Since the criteria for determining partial damage is uncertain and varies between companies, the claim can get reversed once you dispute the claim.

5. Insurance adjuster missed the full extent of the damage

Since they’re not professional roofers, insurance adjusters may sometimes miss clear signs of damage while conducting roof inspections . As a result, your claim may get undervalued or even denied.

6. Damage occurred due to a manufacturer's defect

Sometimes, materials used in roofing can have a defect that reduces their lifespan. If those materials end up on your roof, they may contribute to the damage. In case of a manufacturer’s defect, your home insurance provider won’t be responsible for covering the cost of repairs.

What To Do If Your Claim Is Denied

If your insurance company denies or refuses to pay your full claim, you should look for a second opinion. An independent insurance adjuster or a lawyer should review your claim.

Thankfully, there is an appraisal process you can leverage to reverse the insurance company’s decision. Call them and ask about their appeal deadlines. Once you learn that, you can submit an appeal in writing.

Since the insurance company may send another insurance adjuster after you file an appeal, you should also have an unbiased professional present. The best choice is either a roofing contractor or a public adjuster.

If you need someone to help guide you through the process and prove that the damage is covered by your insurance policy, contact Continental Public Adjusters . We have extensive experience with closing roof collapse Fort Lauderdale claims and can help you receive full compensation for your damages.

Call (800) 989-4769 to schedule a free consultation so that together, we can keep your insurance company accountable!

Navigating A Mold Damage Claim

Mon, 12 Dec 2022 11:26:53 GMT

Is there a better word to describe the Florida weather than humid? As public adjusters, we handle an astounding amount of mold insurance claims since the state’s moisture levels are very conducive to abundant mold growth.

Unfortunately, recovering insurance money for mold damage is not easy.

That’s why today, we’ll cover why you shouldn’t wait for this infestation to get out of hand, provide you with a few tips for filing a claim, and talk about how a public adjuster mold can help you.

The Dangerous Effects Of Mold

Mold contamination should always be taken seriously, as it can not only pose a severe health hazard but also cause significant damage to your property.

In most cases, this pollution may cause a lot of problems before you even notice it’s there. Since mold usually grows in dark and damp places, you might not be aware of it until it starts spreading and causing irreparable damage.

Once it does, it can weaken and damage the structure of your property, and ruin household items such as carpets, furniture, etc. Most concerning are the health risks, such as respiratory infections.

Since scientific evidence of the hazardous health effects of mold are plentiful and public awareness of this issue has increased, more and more people are filing insurance claims. Because removal and remediation of mold infestation are complex and costly, insurance companies often remove this coverage from their policy forms. Instead, they often offer limited coverage for an extra premium.

How To File A Successful Mold Damage Claim

The standard public adjuster mold infestation advice is to take the issue seriously and not lose any time filing a claim. Even though insurance claim representatives will play down the problem in an effort to discourage you from filing the claim, you should stick to your guns.

Here’s what you should do to increase your chances of recovering the necessary funds:

1. Notify your insurance agent immediately

Never procrastinate when filing a claim. Reach out to your agent and follow up with a fax, email, or letter (anything in writing). This is especially important if you were struck by a natural disaster or had a burst pipe. Acting quickly and gaining access to a remediation team that will dry out your property as soon as possible can prevent or contain mold growth.

Pro tip: Make a record of all the conversations with all the parties involved. Confirm everything in writing and insist that all deadlines and appointments are respected.

2. Review your policy

Examine the entire policy, particularly the declarations page which contains all the coverages you have, the limits for each of them, as well as the effective dates. Don’t brush over the fine print as it contains the list of everything that’s insured, any exclusions, and what you should do to successfully prove your claim.

Pay extra attention to any endorsements included in the policy to see if they add, change, or eliminate coverages to your insurance policy.

3. Protect your belongings from further damage

One of the crucial things to do in any insurance claim is to take emergency measures to contain the damage. Don’t do anything significant until it’s greenlit by the insurance company. For instance, if you had a burst pipe, do what’s in your power to stop the water from spreading.

In a mold claim, keep any contaminated items so they can be sampled for mold content in a lab. Our advice is to seal the items in a plastic bag to minimize the spread of contaminants.

3. Document the damage

To strengthen your claim, photograph and index any damaged property. Document any source of water intrusion, along with any mold contamination.

Here are some tips that will help you with this process:

1. Be truthful: don’t misinterpret, omit, or conceal any facts in connection with the claim. This includes exaggerating the value of damaged items as it can give your insurance company an excuse to reject the claim.

2.. Clarify if your estimates are not accurate: feel free to note down ‘’to be determined’’ when describing the value of items you’re uncertain about.

3. Corroborate the value of your items: if you can’t find the receipts, you can include catalogs, as well as bank or credit card statements. If you can’t track those down either, include statements from retail clerks or your family or friends.

How A Public Adjuster Can Help Your Mold Claim

Even if you do everything we outlined above, you may still run into problems. Your claim may get severely undervalued or rejected . Hiring a public adjuster mold from the very beginning of your insurance claim journey will help you increase your chances of a favorable outcome.

For example, a licensed public adjuster can help you understand your policy and the way it relates to mold damage . Insurance policies are notorious for their complex jargon that may sound like a foreign language if you’re not familiar with it. You may spend days looking over it without finding out for certain if mold damage is covered.

By hiring a public adjuster, they’ll work for you to determine if mold is covered by your policy and help you assess all the damage. They will also help you with filing the claim and provide all the necessary documentation to expedite it. That way, you can focus on yourself while someone else is handling the workload of dealing with the insurance company.

Lastly, public adjuster mold is an expert in the field and is familiar with all the laws and state regulations that you may overlook. Their attention to detail will lead to a positive resolution and more complete compensation from your insurance claim.

How Continental Public Adjusters Can Help

Mold damage claims are needlessly complex, especially for those who aren’t familiar with their own insurance policies. To receive fair compensation, it’s important to know the ins and outs of the policy, including every endorsement and exclusion.

To maximize your damage claim, consider contacting Continental Public Adjusters . We’ve got decades of experience in the business and we’ll manage your claim and serve as your representative when negotiating with the insurance company.

We’ll not only determine the extent of the damage and submit your claim, but we’ll also work hard to provide proof to the insurance company that your mold damage happened as a result of a peril covered in your policy.

Call us now at (800) 989-4769 to schedule a free consultation and get the ball rolling as soon as possible.

How Long Does It Take To Close A Home Insurance Claim?

Mon, 05 Dec 2022 06:39:09 GMT

Filing an insurance claim is not an enjoyable experience. This is especially true when you consider how much waiting around it includes. Your priority might be fixing the damage to your home and moving on as soon as possible, but you cannot do anything unless your insurance company issues a check.

So the natural questions in this scenario are: how long does an investigation take and when can you expect your claim to close?

While it’s impossible to provide an answer with 100% certainty, there are certain things you can do while filing your claim to expedite the entire process.

Let’s cover some background information first.

The Legal Timeframes

This is a tough one as the timeframe varies between states and even different insurance companies. It also depends on the circumstances of your claim. Thankfully though, most states have fair claim practice laws to speed things up.

These laws were created by the National Association of Insurance Commissioners to guarantee that insurance claims are all handled in a fair and timely manner.

The problem is that what is timely and fair is up to interpretation by the individual states (no surprise). In some states, there are no laws that dictate the timeframe that insurance companies have to adhere to, and in others, it might be two weeks to several months.

In Florida, insurance providers are required to acknowledge and notify you that they received your claim within 14 days .

The law gives insurance companies 90 days to notify you whether they have denied or accepted your claim . This is why it’s impossible to come up with the average of how long does an investigation take as it can be done anytime within those legal limits. This is more obvious when you consider the fact they can stall as long as possible to find reasons to deny or minimize the claim.

If your insurer approves the claim, they are required to pay you within 20 days of this decision . If they don’t send you a check within this time, the payout accrues an interest rate of 12% per year

Additional Factors To Consider

While the timeframes of the insurance claim process are complex, additional factors may make matters even worse.

Typically, claims that necessitate a higher payment will always take longer to get settled. This is because the investigation is going to take longer than with the more simple claims.

Insurance companies also process claims that are more severe first. For instance, they will usually prioritize claims such as fire and lightning as they pose a high risk to homes, and only then will they start processing claims that involve burglary.

Additionally, if the damage in your home was caused by a natural disaster that also affected other homes, the claim can take a lot longer to pay out. So if you’re filing a claim for tornado damage, it will take longer to settle than if you want to recover insurance money for water damage from a malfunctioning dishwasher.

The Claims Process

When you file a home insurance claim, many things occur behind the scenes. Sometimes payments are delayed for a good reason since insurance companies do have to follow a variety of procedures.

Here are the steps involved in processing a claim:

You/the owner of the property reports the claim.
A claims professional is assigned to your claim and has to notify you that they received your claim, after which they can start the investigation.
The insurance provider contacts the claimant and discusses coverage and how they will handle the claim.
The insurance professional evaluates the cost of the damage.
If your claim isn’t complex, the insurer may decide to pay you out after completing the first inspection while more complicated claims will take a lot longer.
The money is paid out and the insurance company closes the claim.

How To Speed Up The Claims Process

While you cannot force the insurance company to go outside its own established procedures, you can make the process a little bit faster.

Now, we're not suggesting you call them and ask how long does an investigation take and urge them to speed it up. You can take a few actions that might simplify the process for the insurance company.

Here’s what you should do:

1. File a claim as fast as possible . Even though you have four years to file a claim in Florida (from the date of the event), the faster you file, the faster the claim will get processed.

2. Complete any emergency repairs. This is to avoid further damage from happening. For example, cover a leaky roof with a tarp or cover a broken window with a plastic sheet.

3. Follow up with the insurance adjuster after filing the claim instead of waiting for the insurance company to contact you with further instructions. Contact the adjusters and request all the important documents and forms to avoid needless waiting around. You should also meet all the deadlines that the insurance company sets in place for filing certain documents.

4. Keep track of all the correspondence with the insurance company and take notes about all the topics you covered, as well as the time of the calls/emails.

5. Keep copies of all receipts and the documentation involved in your claim.

6. Document all the damage in your home . Take photos and videos from multiple angles so you’ll have a clear record of the damaged items or locations later.

7. Get estimates from independent contractors as soon as possible once the insurance adjuster estimates the damage.

8. Be present while the insurance adjuster inspects the damage. Don’t forget to respond to the claims adjuster promptly, because the sooner this part is over, the sooner you’ll receive your payment.

Covering All Bases

While you cannot possibly determine how long does an investigation take and how soon your claim will get paid out, you can do everything that’s in your power to make the process as smooth as possible.

If you want to speed up the procedure even further and ensure that the payment you receive is enough to cover all the damage in your home, you should contact a public adjuster. This professional will complete their own independent inspection and help you with filing the claim.

What’s even better is that they will negotiate with the insurance company on your behalf, thus ensuring you save time and receive the best possible outcome.

For all your ‘’adjusting’’ needs, call Continental Public Adjusters ! We’ve got decades of experience with this stuff and you can rely on us to expedite the claim process! Call (800) 989-4769 to schedule a free consultation!

In What Circumstance Would A Property Insurance Claim Be Rejected

Mon, 28 Nov 2022 07:53:18 GMT

In the aftermath of a disaster, most homeowners rely on their insurance company's settlement to restore their lives to normal. Sometimes though, things don’t pan out the way they are supposed to, and insurance claims get rejected.

This can leave entire families empty-handed and without the necessary money to make crucial repairs to their homes.

While filing claims is usually straightforward, it doesn’t hurt to know in what circumstance would a property insurance claim be rejected. That way, you can avoid the long and arduous process of filing an appeal.

Top Reasons For Home Insurance Claim Denials

While there are multiple reasons why this might happen, thankfully, you can avoid denials if you know what to look out for. Most commonly, insurance companies reject claims for the following reasons:

1. Missing the filing deadline

When you were asking yourself in what circumstance would a property insurance claim be rejected , this one probably didn’t cross your mind. However, many claims get denied because claimants miss the filing window.

Filing and documenting claims is a time-sensitive matter, and depending on your policy, it might be longer or shorter. Typically, the filing window with many policies is around 180 days.

If your home was damaged, contact your insurance company to start the claims process as fast as possible.

2. Lack of coverage

Unfortunately, home insurance doesn’t cover all types of damage, and the standard policy only applies to lightning, fire, and wind damages . To be protected in case of a flood or water damage, you’ll require a separate policy.

Homeowners sometimes assume everything will be covered, and are then surprised when their provider denies their claim. A similar situation occurred in Orlando during Hurricane Ian . Many people in Central Florida didn’t have separate water damage insurance , so when extreme flooding happened, they had no way to recover the damages.

3. You didn’t pay your premiums

You should never miss your insurance premium payments as it may cause your policy to lapse. Even if your home suffers extensive damage, the insurance provider won’t care, they’ll have enough reason to deny your claim.

To avoid this grim scenario of losing coverage, keep up with your payments. An additional reason to do so is to keep your record rating from tanking, which could lead to more expensive insurance premiums in the future.

4. Insufficient damage documentation

Don’t rely on the insurance company’s adjuster to document the damage - you should do it yourself. The burden of proof is on you, so it’s necessary to back up your claim with evidence and as much information as possible.

Document the aftermath of the disaster in detail in order to prove your case. This includes videos, photos, and all the other relevant documents such as receipts.

5. Lack of care

As a homeowner, it’s also your responsibility to maintain your property. Sometimes, insurance companies may deny claims if the lack of care contributed to the incident or damage in any way, shape, or form.

Just take a look at your insurance policy and you will probably learn it stipulates that your property should be kept in great condition to be able to recover the damages.

6. Overestimating the extent of the damage

While it’s imperative to document the damages to your property, you should never take creative freedom when doing so. Lying or trying to mislead your provider will come back to hurt you.

Your insurance company will send their adjuster to inspect the damage. If they learn you haven’t given them accurate information in your claim form, they have the grounds to reject your claim.

It’s also important to note that you shouldn’t lie about your previous claims either to maintain a no-claims discount.

Know Your Policy

Before discussing the reasons that lead to claim rejection, it is vital to understand that no two property insurance policies are the same. So what applies to your neighbor may not necessarily apply to you and vice-versa. Hence, do not go by other’s experiences. Instead, right off the bat, understand the terms and conditions of the policy you have purchased. You have every right to question the insurance agent until the complete picture is clear. In case you don’t wish to go that way, you can hire a public adjuster to help you with the same. If necessary, make notes of your own.

Circumstances In Which Property Insurance Claim Is Rejected

The common reasons that lead to rejection of property insurance claims are:

1. The Loss Is Not Covered In Policy – Property insurance policies are tailored as per need. Say you buy property damage insurance and no liability coverage to go with it; in that case, any liability claim arising will not be honored by the insurance company. Let us take another example. If you forgo purchasing flood insurance cover or damage from an earthquake, such a claim will be denied by the insurer. Similarly, there are some exclusions in every policy. If the damage to your property is because of any of the so-called exclusion, it will not be accepted. Hence, as we mentioned above, you should know the terms and conditions of your insurance policy like the back of your hand. Only those losses are honored that are covered in the insurance policy. Anything outside will be outright denied.

2. Unfulfilled Policy Conditions – Some necessary conditions need to be fulfilled by the insured. Failing to abide with them will lead to claim rejection. Examples of such conditions are security locks on all doors leading outside, the necessity of one or more fire extinguishers depending on the size of the property, etc. These conditions are mentioned in the policy document.

3. Delay In Filing Claim – In case of loss or damage to property, there is a set timeframe within which the insurance company needs to be informed and the claim forms filled and submitted correctly. If you fail to meet this timeline, the claim will be denied. But rest assured, the timelines are realistic and can be met with relative ease. This information is available in your policy document. If you cannot find it, your insurance company is just a phone call away.

4. Missed Premium(s) – If you fail to pay one or more premiums against your policy, the insurance company is under no legal liability to honor your claim. Since you broke the terms of the contract by skipping the problem, the damage is now your sole responsibility.

5. Withholding Pertinent Information – Claims arising due to property owners or tenant’s negligence are not covered. These are also the cases where the insured tries to withhold pertinent information that could lead to the truth. So any claim where important facts or information are conveniently withheld by the insured will get rejected.

6. Damage Is Not Documented Correctly – When filing a claim, the property owner has to prove loss. Hence, it is important to document it in detail. You need to provide even small details like date and approximate time of loss, attach pictures and videos of the damage, mention the assets condition prior to the damage, etc. Only with full documentation of a covered loss can you have the guarantee that the insurance company will fulfill its side of the deal.

7. Preventive Steps Not Taken To Contain Further Damage – Once the primary damage has occurred, it is the property owner or tenant’s responsibility to ensure that they take the necessary steps to prevent its further spread. Some of us do it diligently and make copious notes and pics of the efforts, and many of us leave it to chance. The insurance company is under no obligation to cover the secondary loss if you have failed to follow the preventive measures.

8. The Insurer Suspects Fraud – The insurance company conducts its own investigation of the loss. If it suspects fraud and finds any evidence of the same, your claim will be denied. Since they thoroughly investigate every high dollar value claim, it is best advised that you don’t use any underhand tactics. Many times it has been seen that people try to pass off intentional damage to property as accidental. From there, they build a false case to prove loss. These fraudulent methods are not looked upon favorably by the insurer.

What To Do If Your Claim Was Already Denied?

If you received your denial letter, not all is lost. You can still receive your settlement if you know what you’re doing.

Here’s the best course of action:

1. Review your denial letter

If your claim is denied, you’ll receive a formal denial letter. This letter will explain the details of the specific language in the policy that justifies the denial.

With that said, if you had done any of the previously mentioned reasons or your specific type of damage is not included in your coverage, you may not be able to do anything, no matter how much you try.

If you still believe the provider should cover your damage, don’t lose any time. Speak to the adjuster who inspected your property or your insurance agent. While it’s usually impossible to change their mind, you shouldn’t give up until you receive the money you are promised in your policy.

2. File an appeal

Arguably the most effective thing you can do at this point is to file a formal appeal. Again, time is of the essence and you should file this as soon as you receive your denial letter.

When you file your appeal (the exact process is outlined in your policy), a review of your claim will start. This is your opportunity to add any extra evidence to support your position. The more thorough you are in presenting this information, the more chances you have of changing the status of your claim.

3. Consult a public adjuster

Even if your claim is denied, it’s never too late to leverage the services of a public insurance adjuster . They can not only help you properly document and value your losses, but can also verify your coverage and negotiate a fair settlement.

The sooner you find a public adjuster, the sooner you can avoid the critical mistakes that may lead your claim to be denied.

If you’re looking for a Florida public adjuster , call Continental Public Adjusters ! We’ve been doing this for decades and there’s no claim we cannot handle! Call (800) 989-4769 to schedule a free consultation.

4. File a formal complaint with the state insurance commissioner

If all else fails and you are a policyholder who paid all the premiums, your insurance carrier should process your claim on its own merit. If you believe your insurer didn’t properly review your claim, you should file a complaint with the insurance commissioner in your state.

Do Everything In Your Power To Protect Your Claim

Now that you’re well-equipped with knowledge in what circumstances would a property insurance claim be rejected, you can make certain that all the boxes are checked before filing.

If you need another layer of protection to ensure a better outcome for your insurance settlement, feel free to ask a public adjuster for help before filing your claim. In doing so, you can save time and money knowing you’ll receive the highest amount of compensation outlined in your insurance policy.

Benefits Of Hiring A Public Adjuster

Mon, 21 Nov 2022 06:33:43 GMT

If your home or your place of business is struck by a natural disaster or any other type of damage, do you know what you should do next?

The no-brainer step is contacting your insurance provider and filing a claim.

Nevertheless, that might not always be a straightforward or pleasant experience. Insurance companies are notorious for delaying and undervaluing claims, and in the worst-case scenario, outright denying them.

To protect your claim and your sanity, leveraging the help of an experienced public adjuster Orlando is the best course of action.

In the next few minutes, we’ll explain why.

Who Are Public Insurance Adjusters?

A public adjuster Orlando is a licensed professional that can represent policyholders’ best interests in insurance claims. The entire profession was started to level the playing field with insurance companies.

For example, a public adjuster may help their client by managing their claim and ensuring they meet all filing requirements. Most importantly, they offer assistance with covering the amount that the claimant deserves.

If you’ve filed an insurance claim in the past, you must be familiar with the adjuster that the insurance company sent to inspect the damage. Well, a public adjuster is pretty much the same, they only work for you.

When Should You Hire A Public Adjuster?

While it’s possible to hire an attorney if your claim doesn’t go as expected, you can avoid litigation (and keep more of your settlement money) if you hire a public adjuster Orlando at the very beginning.

The sooner in the process you involve a professional, the more favorable the outcome. The reasons why that is so are simple: adjusters are trained to understand insurance policies and they can find additional coverage you’re entitled to that you’re not even aware of.

You may also hire an adjuster if you don’t have the willpower to deal with the insurance company.

We also recommend hiring a professional if you don’t have the expertise in filing insurance claims or if you don’t fully understand your insurance policies. Insurance contracts are infamously confusing and filled with pointless legalese, which is why many policyholders are unsure about the fine details of their coverage.

If your home or commercial property suffered extensive damage, you might be in for a ride. The higher the damages, the more complicated the claim. For example, you may fail to recognize the types of damages that you can potentially recover and thus, avoid including them in your claim. You also may not identify the full extent of the damage or properly value damaged property.

Insurance companies will usually take advantage of the policyholders’ inexperience and confusion by offering them a quick payoff. In most cases, this isn’t your insurance company being ‘’nice’’ and looking out for your best interests. They simply want you to settle for less money, and they use the stress and the sense of urgency of their clients to get the claim completely out of the way.

Another reason to work with a public adjuster Orlando is if your insurance carrier is delaying your claim. This is especially common in major catastrophes when a higher number of claims are getting processed. Still, keep in mind that there are laws that require insurance companies to process your claim in a set time period.

Lastly, you may have already filed a claim and you’re surprised at how low the settlement offer is. This is quite common as insurance company adjusters will be biased when valuing the damages to your property (they are in the business to make money, after all) and you may learn that the offer doesn’t even cover the basic repairs to the property.

In that case, it’s not too late to hire a public adjuster and renegotiate the proper amount of settlement.

The Benefits Of Working With A Public Adjuster

Insurance companies may often try to discourage policyholders from hiring a public adjuster, which is usually a huge red flag that makes sense when you look at it. Since insurers aren’t on your side, they recognize that hiring a public adjuster can tip the odds in your favor. The benefits of leveraging a public adjuster’s services are well-known and include:

1. Save time

This one is a no-brainer, but still worth mentioning. You might value your time enough not to waste it on dealing with the demands of the insurance company. A public adjuster can organize and manage all the processes required to file your claim.

They can also save you additional time through their expertise by easily clarifying your insurance policy and guiding you through the proper procedures for documenting expenses and repairs.

2. Resolve claims faster

Policyholders often have trouble communicating with the insurance carrier, which usually results in a lot of unnecessary back-and-forths. In fact, it’s not uncommon to see multiple repeated requests for additional information.

The same process with a public adjuster is different. They will help you organize your claim and instruct you on all the paperwork you’ll need to proceed further. As a result, you can expedite the claims process and start repairing your property a lot sooner.

3. Protect your claim

A public adjuster Orlando knows exactly what the insurance company wants and expects. With this expert on board while documenting your damages, you get an advantage if your claim ends up getting denied.

On a more pessimistic note, if by any chance you do end up taking your case to court, a public adjuster is a third-party witness who can even testify on your behalf and help you obtain the money you deserve.

4. Receive a higher settlement

According to a study in Florida, public adjusters not only speed up the claims process, but they also increase the amount of payment to policyholders. More precisely, a public adjuster can negotiate over 700% higher settlement than what the insurance company offered to pay out . This also applies to catastrophe scenarios when a lot of other claims are also being processed.

Choosing The Right Public Adjuster

If your residential or commercial property was damaged and you decided to hire a public adjuster Orlando, how do you find the right adjuster?

First, check if they are experienced in the field. Only work with an adjuster who has a great track record with settling claims. Also, be wary of ‘’snake oil’’ adjusters who will promise insane amounts without first looking at the damage and reviewing your policy.

Make sure that the adjuster is also licensed in Florida and avoid talking with contractors who promise they can settle the claim for you.

Last, but not least, ask your adjuster of choice for references from previous clients, especially those with similar claims to yours.

If you’re in doubt, call Continental Public Adjusters ! We have four decades of experience and we’ve got an extensive record of successful settlements!

Call us now at (800) 989-4769 or fill out our contact form and let us help you with handling your insurance claim!

How To Maximize Your Water Damage Insurance Claim

Mon, 14 Nov 2022 06:29:46 GMT

Surprisingly, one of the most common claims filed by homeowners in Florida is for water damage, significantly beating out hail and wind damage claims.

While not as dramatic at first glance, water can cause havoc to your home. To avoid any unnecessary financial strain in this scenario, you should know how to maximize water damage claim.

Let’s get started!

Types Of Water Damage Claims

Before learning how to maximize water damage claim, it’s useful to know what insurance covers.

The first and most common type of damage is flooding, which is quite usual for Florida. This is why it’s important to purchase flood insurance because your regular home insurance doesn’t cover it.

Your home insurance policy will cover other types of water damage, though. For example, damage to the structure of your home as well as personal property. As an extra, if you’re forced to leave your home due to all that water, loss of use coverage will help you recover the costs of alternative living expenses.

Typical water damage claims include:

1. Burst pipes

2. Malfunctioning appliances (faulty water heater or dishwasher)

3. Sewage back-ups

4. Toilet overflow

5. Clogged gutters

6. Leaking roof

Strengthening Your Insurance Claim

Since repairing the damage and replacing any damaged items can leave you in financial ruin, you have to ensure your claim is strong enough. This way, you’ll circumvent a denied claim and recover the most money.

Here’s how to maximize water damage claim:

1. File the claim ASAP

The moment you spot water damage anywhere in your home, you should file an insurance claim. This starts the claims process, and the sooner you file a claim, the sooner it will get settled.

This is especially important in cases where many people will also file similar claims. For instance, if there was heavy rain in your area, you can bet that your insurance company is most likely dealing with other people too.

The good news is that insurance companies will most likely respect the order in which claims were filed. In other words, the faster you are, the sooner the insurance adjuster will arrive to inspect the damage.

2. Save your possessions from further damage

Do your best to save as many things as possible by moving all the undamaged items as far as you can from the water. This is also useful for documenting the damage later, as you’ll know what’s ruined and what’s not.

That brings us to…

3. Documenting the damage

How to maximize water damage claim is mostly about properly documenting the extent of the damage. Make sure to take pictures of any standing water, as well as of all items that were affected by the water.

Documenting all your possessions will help provide proof for any damage not accounted for in your claim.

List down all the items along with brand names and their value. It’s helpful to find the receipts for those items as well.

4. Stop any additional damage from happening

Once your items are accounted for and you’ve documented the water, it’s time to drain it. This way you’ll prevent your home from suffering even more damage. Next, you’ll have to dry the afflicted areas. This can be tough as those places will still be wet.

Try this method to dry your home a lot quicker. Lift the corners of the carpet and place fans around the room and you’ll speed up the drying process.

This will prevent pesky mold from growing, which is quite serious and would probably require filing a separate claim for mold remediation.

Next, if the water is still leaking into your home through the wall or the roof, feel free to use a tarp to prevent further damage.

Keep away from making any unauthorized repairs before checking the issue with your provider. This way, you’ll avoid the risk of making repairs that won’t be covered by your insurance.

5. Put the damaged items in one spot

Now that the worst is over, keep all the ruined items and put them in one spot. This will make it easier for the insurance adjuster to examine them and assess how much money you will receive for repairs or replacements.

Don’t throw away anything until your insurance company says it’s ok to do so (preferably in writing).

6. Contact a public adjuster

Unfortunately, even if you know how to maximize water damage claim, you can still run into hurdles with your policy provider. It’s in their best interest to pay you as little as possible so expect them to try to undervalue your claim.

You can steer clear of this scenario by hiring a public adjuster at the very beginning.

A public adjuster is an insurance claim expert who will represent your interests and review your policy to determine which coverages you’re entitled to. They will also inspect your property and put together a proof of loss report.

The insurance counterpart may not be as detailed when inspecting the damages and might overlook a lot of things. On the other hand, your own adjuster will take extra steps to discover hidden damages that might not be readily apparent.

Most importantly, they will negotiate on your behalf with the insurance company’s adjuster about the proper settlement amount.

Keeping It Simple

Now that you’re more familiar with how to maximize water damage claim, you’re on your way to repairing everything that water has destroyed in your home.

The last consideration here is how many hours are you willing to spend working on your claim and how much savings you have. Imagine if you spent a lot of time documenting the damage and still ended up with a settlement that can’t cover all damages. How would you feel?

To avoid this outcome altogether, you should hire a public adjuster before filing the claim. By doing so, you can work on your recovery plan while the adjuster does the necessary work needed to ensure you end up with a maximum settlement.

Here at Continental Public Adjusters , we have four decades of experience and we’ve settled countless water damage claims. The best thing is we work on a contingency basis, which means we get paid out of your settlement.

Call us now at (800) 989-4769 or fill out our contact form and let us help you maximize your water damage claim!

Hail Storm Jacksonville Insurance Claim

Mon, 07 Nov 2022 07:36:25 GMT

Jacksonville and Florida weather, in general, can be quite turbulent, to say the least. Not only do we need to deal with severe weather conditions such as hurricanes and tornadoes, but our subtropical climate also carries with it other threats, including hail storms.

While not as destructive as hurricanes, per se, hail storm Jacksonville can cause serious damage to your home, depending on the speed at which hail hits the ground. This is especially true for our poor roofs which take the brunt of the damage.

Thankfully, you can file a hail storm insurance claim to recover enough funds to fix the roof or any other damaged part of your property. Here’s how you can strengthen your case and recover the maximum amount of damages.

The Effects Of A Hail Storm Jacksonville

Generally speaking, roofs take the brunt of the damage when a hail storm hits. For example, it’s common for hail to create large dents in aluminum sidings, gutters, and shingles. It can also damage wood shakes and crack vinyl siding and asphalt roofs.

Funny enough, vinyl siding is quite popular these days in Jacksonville due to its lightweight design that can withstand winds of extreme speeds. Nevertheless, it’s quite susceptible to damage in case of a hail storm and will crack and chip easily when the hail hits the panels.

In conclusion, anything on the outside can get wrecked and since a hail storm Jacksonville isn’t something you can avoid, you should ensure you’re prepared at all times.

Our advice is to never neglect any minor defects that can make your roof susceptible to damage. You should also consider a roof design with more durable shingles.

Additionally, maintain shrubbery and trees on your property. Hail can pretty much rip those limbs clean off, which might end up damaging your home or your vehicle. Don’t forget to also store away any decorations or lawn furniture to avoid debris during storms.

Hail Damage Insurance

Your insurance will most likely cover hail storm Jacksonville damage, a standard part of the homeowner’s policy in Florida. Depending on the type, as well as specific policy conditions and terms, you may receive varying amounts of compensation.

It’s also important to note that this policy will probably have a deductible. Again, depending on the terms, it could be the standard deductible paid for any claim or a custom figure. If you have a hail damage rider, you might have to pay a separate amount for the deductible.

The terms of the policy will dictate how long after hail storm Jacksonville can you file a claim. We recommend you file it as soon as possible. By waiting, you’re putting yourself at a disadvantage, so to speak, as the insurance company will have more reasons to deny the claim. They may deny you by asserting that the damage came from something else or that you made the damages worse by not addressing the problem straight away.

That brings us to our next point. Just as with any other claim, the road to receiving compensation may be rocky. This is because insurance companies have to look out for their bottom line too, and they’ll usually provide a lot of resistance.

Be prepared to experience an undervalued claim, delay, and in the worst-case scenario, denial. Your insurer may blame the damage on age or poor maintenance, as well as the aforementioned lack of care after the hail storm Jacksonville hit.

To increase your chances of receiving proper compensation, you should hire your own adjuster when filing your claim. In doing so, you ensure you’ll receive the full amount you’re entitled to under your policy, in a timely manner (more on that later). Let’s take a look at the actions you have to take after the storm to reinforce your claim.

What To Do After The Storm?

Your immediate actions after the event make all the difference in how easy your claim process will be.

We recommend that you document the damage yourself as soon as it’s safe to do so (it’s falling ice, after all). If possible, take photos of the hail to illustrate its size.

After that, make any necessary temporary repairs to minimize further damage. This may include tarping to the roof or covering broken windows. Take photos of these efforts to prove you’ve done everything in your power to stop additional damage from happening.

Next, call your insurance company to start the process and contact repair services or a public adjuster to get estimates of the damage. While the insurance company will send the adjuster who’s working for them, having someone else on your side may provide you with a more precise cost of the necessary repairs.

Why You Should Hire An Adjuster Of Your Own

To avoid having to pay the repairs due to hail storm Jacksonville out of your own pocket, you should hire a public adjuster who will help you handle and file your claim.

The insurance company will try to minimize the potential costs of damages so they can pay you less. An adjuster you hire will work to maximize the amount of money you can receive.

They have the necessary experience to identify how much your damages are worth and help minimize the out-of-pocket costs of repairing your roof or other damaged property .

Most importantly, these professionals will help you avoid any mistakes when filing the claim. In situations like these, people are stressed due to the fact that their property is damaged so they’re more likely to settle for anything if it can help get the entire process sorted out quicker.

A public adjuster will guide you in the right direction and offer you expert advice that will give you peace of mind and help make all the right calls.

Why Continental Public Adjusters?

If you’re in doubt after hail storm Jacksonville, you should choose Continental Public Adjusters. We’ve got almost four decades under our belt handling all kinds of insurance claims and we can help you get the most out of your insurance policy.

We work on a contingency basis (fee paid out by your insurance company) with a fee ranging between 5% and 15% which is negotiable.

Call us now at (800) 989-4769 or fill out our contact form for a free consultation and learn about your options after a hail storm Jacksonville!

Property Damage In Orlando Hurricanes

Mon, 31 Oct 2022 08:15:49 GMT

The entire Sunshine State is gorgeous and Orlando is no exception. After all, we have Disneyland! However, living in the state of Florida isn’t all smooth sailing.

In fact, Florida doesn’t only have the biggest vacation resort in the world, it’s also the number one US state most prone to hurricanes.

For new Orlando homeowners, having their property damaged during such a storm is usually the main concern.

To put your mind at ease, we offer you some good news about Orlando hurricanes and break down the process of filing a claim for this type of damage.

Hopefully, by the end, you’ll go to bed without hurricanes on your mind.

Are Orlando Hurricanes That Common?

Spoiler alert: Orlando is relatively safe when compared to coastal parts of Florida.

But… Orlando is in Florida and Florida has a hurricane season so how does that fit the definition of safe? Aren’t hurricanes so common here we even give them quirky names (still waiting for a hurricane to be named Shakira)?

Simple - Orlando is in the center of the state, which means the coastline is about 60 miles away. Coastline cities such as Fort Myers usually take the brunt of the damage, meaning that by the time the storm reaches Orlando, it loses a lot of the scare factor and mostly provides a reason to stay indoors due to heavy rainfall.

Fun fact: coastal areas usually evacuate to Orlando since it’s safer than staying put.

Nevertheless, not all is sunshine and rainbows in The City Beautiful. As we’ve seen with the recent Hurricane Ian, the danger of these storms is significantly ramping up.

The Hidden Danger Of Orlando Hurricanes

The bad news is that these storms are only getting worse. For instance, in 2020, there were 13 hurricanes and 30 named storms. The same year we also saw water levels rise to insane proportions in areas such as south and even central Florida.

While Orlando hurricanes aren’t that destructive, there is always a possibility that rain and wind will cause major damage to property, which might require emergency management services.

We know what you’re thinking: your home might not be totaled and you pay for your home insurance premiums every month, so your insurance is going to cover it. That means you’re good, right?

Not quite.

During hurricane Ian, Central Florida was hit by catastrophic amounts of floodwater. Usually, this isn’t a problem, but for people who live in central Florida, it was. This is because the usual homeowner’s insurance policy doesn’t cover water damage. To receive compensation for water damages in Florida, you need to have a separate flood insurance policy.

A Quick Word On Insurance

Even though Orlando hurricanes never hit with full force, you should still ensure that your property insurance covers all types of damage. For example, you want a policy that covers hail, wind, and water damage to your home or property.

Your insurance policy should also cover any damage to personal items, including damage from storm-related flooding and mildew.

Furthermore, your insurance should cover any costs stemming from the removal of debris, as well as any costs incurred for additional living expenses in case your home was rendered inhospitable.

How To Strengthen Your Insurance Claim

In order to safeguard yourself from any type of damage caused by local storms, you should do the following steps to make sure you can recover financially.

Sometimes, even if you have the necessary coverage, your insurance claim might still get denied or underpaid. To minimize the chance of this happening, there are some steps you should take to strengthen your claim and recover the damages to your property.

It all starts before the hurricane even hits. Most people are worried about their safety and usually stockpile canned goods, but since Orlando is inland, you have some extra time to list down all your property.

This might include valuables, clothing, appliances, artwork, and almost anything else you own that has value. You should also write down a value estimate that includes brand names and serial numbers with corresponding photos and see to it that you keep all your receipts in a safe location.

This might help strengthen your claim and result in faster resolution.

After the storm subsides, you should spring into action right away. The first is contacting your insurer and the agent who sold you your water damage policy. Insurance companies send adjusters to determine the damage and you want this to happen as soon as possible.

Before the adjuster arrives, you should assess the damage yourself. Take photos of the damage to both the exterior and interior parts of your home. Visually document any damaged items (electronics, personal belongings, etc.) and if possible, find the receipts.

Before the adjuster arrives, you also should make immediate repairs such as covering damaged areas with a tarp to avoid further damage.

Following Orlando hurricanes, most people are shocked when their claims are underpaid or outright denied. Sadly, this occurs all the time.

For instance, the insurance company might claim your damages are excluded partially under your policy or even refuse to pay you under one coverage category.

Preparation Is Key

When all is said and done, Orlando hurricanes can still cause significant damage to your home. While your roof might not be destroyed, water damage such as the one during the recent Hurricane Ian can leave you having to do costly repairs.

This is why you should prepare extensively for this possibility by purchasing water damage coverage and keeping track of all your items and receipts.

If all fails, you might have to hire an insurance claim lawyer if your claim is denied and you’re unable to cover the damages.

You also shouldn’t wait for your claim to get denied to hire someone who can help you. You can increase your chances of a favorable outcome from the get-go by hiring an insurance adjuster. While the insurance company will send an insurance adjuster, you can also hire one of your own.

These professionals can help you with the claims process and ensure your living conditions are restored to normal as soon as possible.

Filing An Insurance Claim For Tornado Damage Fort Myers

Mon, 24 Oct 2022 06:40:45 GMT

Tornadoes aren’t as prevalent in the media as hurricanes are but what they lack in their damage, they make up for in frequency. For instance, there are around 66 tornadoes on average per year in Florida.

Even if they’re not as destructive as hurricanes, you’re looking at some significant damage if your house or property is in the path of a tornado.

Tornado damage Fort Myers can be quite high, with several previous instances where storms tore apart homes, dropped trees on cars, and so on.

No matter the extent of the damage, your insurance must cover it. Here are some tips for filing an insurance claim for tornado damage Fort Myers from experienced insurance adjusters.

What Does Homeowners Insurance Cover?

Since you can’t control the weather and can’t stop the tornado from deciding to stop by your street, natural disasters are covered by your homeowners' insurance. However, there is an important factor at play here. This insurance usually doesn’t cover flood damage (aka water damage from storms), and you must purchase this coverage separately.

To illustrate, your homeowner's insurance will cover tornado damage Fort Myers such as a damaged roof. But, if a tornado also caused flooding, insurance won’t make up for it unless you have a separate flood damage policy.

With that important distinction out of the way, let’s break down the steps of filing a tornado damage Fort Myers insurance claim.

How To File A Claim

To ensure the best results, make sure to follow all of these steps:

1. Contact your insurance company

To begin the process, you need to contact your insurer right away. Provide them with your policy number and your contact information. After a disaster like a tornado, insurance companies will send their adjusters to people who suffered severe damage to their property.

You should also be ready to provide a description of the property damage or any other circumstances that might make your property a priority.

Ask when you could expect the adjuster to arrive so you can prepare yourself.

Lastly, if you suffered any water damage, contact the agent who provided you with the policy to start processing the claim.

2. Document everything

Tornado damage Fort Myers can be devastating, and even though the adjuster will inspect the damage, you should document it yourself too. Take photos of all the items that got damaged and find the corresponding receipts. If you cannot find any documentation, an inventory of items will suffice.

Since you’ll have to show the damaged items to the adjuster, don’t discard anything. But what if your municipality requires you to do so? Then simply take photographs of the items you have to get rid of and inform the insurance company.

3. Inquire about any emergency services

Tornado damage Fort Myers can be extensive due to the geographical location of this city. If you need any emergency assistance with removing water from your home, boarding up doors or windows, or covering your roof, contact your insurance company. They may have a list of pre-approved companies that can help protect your property from further damage.

Keep in mind that if your home was rendered inhospitable by the storm, your insurer may cover the costs of alternative lodging and eating out.

4. Put together a claim diary

Keep records of everything and list down every individual you’ve spoken to about your claim. Don’t forget to include the date and the issues that were discussed.

How To Avoid A Disastrous Claim

With the basics out of the way, there are a few tips you should be aware of so you don’t hit any rough patches when trying to fix the tornado damage Fort Myers:

1. Make sure that the insurance company doesn’t pay the contractors themselves. Demand that they pay you first and avoid signing over your payment to a third party contractor. If possible, ask for an advance payment so you can start making temporary repairs.

2. Most insurance companies have a specific depreciation calculation as they pay on an actual cash value basis. This includes replacement costs minus depreciation. Sometimes, they might even depreciate property by 70%, which can drastically reduce your final payment. If your building is new, it shouldn’t be depreciated as much, and you can negotiate this percentage with your insurer.

3. Don’t forget that the materials required to fix the damage will increase. Unfortunately, your insurer may estimate a lower price, even if the actual demand has skyrocketed. You can ask for the right amount of money at the beginning to avoid going back and asking them for additional funds once you start your repairs.

The Problems You May Encounter

Unfortunately, there is always a chance that you do everything right and still run into problems with your insurer. In many cases, insurance companies are in it for the money, so they will try their best to undervalue your claim. In the worst-case scenario, you may even get denied.

Alternatively, they may try to disagree with you and trick you about their policy coverage. For instance, they might address only a portion of the damage instead of covering everything, like paying for a portion of your roof instead of fixing the whole thing. It goes without saying that this can put you in a serious financial problem.

Last but not least, insurance companies are notorious for claiming that the damage isn’t as extensive as it is or that it already existed.

How A Private Adjuster Can Help You

Your home is the most valued possession you have, both price-wise and emotion-wise. Nevertheless, when living in Florida, natural disasters are something you can never be too prepared for.

Tornado damage Fort Myers has the unwelcome potential for serious wreckage, and repairing the property can put your finances under significant strain.

This is why you should be familiar with the process of filing insurance claims and know exactly which things to look out for. The sad truth is that even the best claims can sometimes receive the short end of the stick.

The best way to avoid this altogether is to have someone on your side from the start. Continental Public Adjusters can help simplify the entire process and see to it that your property is restored as soon as possible.

Our priority is backing up your estimates with facts and helping you recover the money you are entitled to under your policy. Call (800) 989-4769 or fill out our contact form to work with your own insurance adjuster and get compensated fairly.

How to File a Florida Hurricane Ian Insurance Claim?

Mon, 17 Oct 2022 10:19:52 GMT

The recent Hurricane Ian has turned out to be even more devastating than anyone anticipated. With over 100 Florida citizens losing their lives and many homes and businesses having been destroyed in this disaster, it will take several years for the affected to recover fully.

If you were unfortunate enough to suffer damage to your home or property, you’ve got your work cut out for you as recovering damages isn’t the easiest thing to do. While doing a full damage survey is probably too much to bear at the moment, you shouldn’t lose time in doing your homework for filing a Florida Hurricane Ian insurance claim.

Let’s break down what you should do to ensure your claim is a success.

Contact Your Insurance Company

Before filing a Florida Hurricane Ian insurance claim, you should first contact your insurance company. This is important because you want to have an insurance company adjuster inspect the damage as soon as possible, preferably before doing any repairs.

However, feel free to make any repairs that will ensure no further damage occurs. For example, this might include covering a damaged area of the roof or covering up any destroyed windows.

How To Document The Damage

We understand this must be the last thing on your mind right now, but you should take photos to document the damage before the adjuster arrives.

We also recommend writing down any missing or damaged items to accompany your photographic records. If you’re unable to write everything down, you can use your phone to record a verbal account and description of the damage.

You can start by going through your home and photographing every room that has visible damage. Stand in the middle of the room and capture all four sides.

Next, photograph each damaged item and accompany it by stating or writing down the brand name and the model number. If you have receipts for expensive items, photocopy or photograph and submit them as this can help you get a fair settlement from your Florida Hurricane Ian insurance claim.

After you’re done with the interior, step outside and take photos of the roof. If there is a flood line that indicates the level of the water, you should snap a picture of that as well.

We recommend uploading all of these photos and files to Google Drive, just in case. Alternatively, you can email them to yourself or someone else.

Florida homeowner insurance policies cover the costs of living if you were forced to vacate your home. So, if you do spend time lodging in a hotel or eating out, save all the receipts and keep all the records of your spending.

With a comprehensive inventory of the damage, you can help your adjuster immensely while submitting a Florida Hurricane Ian insurance claim. Additionally, this documentation may significantly speed up the settling of the claim.

More importantly, having your record is useful in case your claim gets denied and you end up taking legal action against the insurance company.

Florida Hurricane Ian Insurance Claim Guidelines

Even without a major disaster to contend with, filing a property damage claim can be a pain. With many citizens filing claims and trying their best to repair their properties, you might get frustrated very quickly.

Keep your cool as the following few guidelines will help you breeze through the process:

1. File the documents right away

You shouldn’t lose time in filing the documents your insurance company requests. Failure to do so may delay your claim from settling as fast as possible. The only exception to this is if you have a feeling the company is requesting additional documents to delay settling the claim. In that case, contacting a lawyer might be the best course of action.

2. Seek an independent opinion

Insurance companies typically have their go-to contractors to help them complete the estimates of the damage. Since it’s common knowledge that insurance companies don’t always look out for the best interests of their clients, we advise you to ask for a second opinion.

Nothing is stopping you from receiving an independent estimate, which might be more favorable. Contractors or adjusters aren’t perfect and they might overlook the full extent of the damage and fail to make a precise assessment of the necessary repairs.

3. Contact your insurance agent

Don’t wait for the agent to contact you first as you might end up waiting longer than needed. Reach out to your insurance agent and ask them if they have everything they require to process the claim. Additionally, if your Florida Hurricane Ian insurance claim is complete, ask for a written confirmation.

4. Bonus tip: Beware of the scams

Always check if the contractors you’re working with are licensed since the scams are running rampant in areas that were hit hard by the hurricane. These contractors ask for an upfront payment and then hit the road never to be seen again. Beware!

Florida Hurricane Ian Insurance Claim Problems

Even if you do everything perfectly, your claim might not be successful. This is common in hurricane and tropical storm claims. With damages as high as billions of dollars, insurance companies try to lower their costs by denying claims or severely underpaying them.

They might incorrectly categorize the cause of the damage as an unknown cause or claim you didn’t provide them ample evidence of the damage. They may also insist that the damage occurred before the natural disaster, through neglect, or that you didn’t submit all the documents.

Even if you took all the necessary steps to prevent the damage, the insurance company might assert you didn’t prevent additional damage, or they might simply underestimate the costs of repairs and hope you accept the amount they offered.

If you believe your Florida Hurricane Ian insurance claim is wrongly denied or you’ve received a lowball offer, you should contact your insurance agent. Send them the documentation that supports your position and ask for a revaluation of the claim.

If that fails, you should contact a lawyer.

Getting It Right

The Sunshine State is wonderful, but it has a lot of risk for homeowners due to a high chance of hurricanes, tornadoes, and such. Name a natural disaster, Florida’s probably got it.

To file a Florida Hurricane Ian insurance claim and avoid a denial and/or years of dragging the issue through the courts, it’s imperative you get it right on the first try. The best way to do so is to receive proper guidance from a public adjuster who can ensure your claim is as strong as it can be and gets settled swiftly.

Get in touch with Continental Public Adjusters by calling (800) 989-4769 or filling out our contact form. We can help you get your piece of mind after this traumatic ordeal.

How to Make A Successful Water Leak Insurance Claims?

Mon, 10 Oct 2022 14:18:05 GMT

For most homeowners, signing up for insurance and paying a premium is a simple process. On the other hand, when it comes to filing an insurance claim, most are quite confused as to how to do it.

This is especially true for water leak insurance claims for which failure is not an option as water damage is quite expensive to fix.

If your insurance company denies your coverage, you’ll find yourself in a financial pickle, so to speak.

To avoid that from happening, you have to learn how to make a successful water leak insurance claim, which is how you get the most out of the insurance you’ve been paying for all this time.

Let’s dive deep (no pun intended)!

Why Water Damage Coverage is So Complicated

Property insurance is the best way to cover repairs for any damage that occurs from an expected event such as fire, vandalism, and theft. Although you pay a premium every year in return for coverage, water damage is a bit more complex and isn’t as clear-cut.

This is because water damage is quite a broad term. In other words, insurance coverage depends on the cause of the water damage. To make matters worse, there are also some exceptions.

According to insurance companies, water damage can be:

1. Sudden and accidental

2. Gradual

We’ll get more into these two later when we talk about how to make a successful water leak insurance claim. For now, know that insurance will only cover sudden and accidental water damage because they assume you could have addressed the gradual water damage before it became a real issue.

With that in mind, here's what you should do following a leak in your home to ensure the best outcome of your claim:

1. Get The Leak Under Control ASAP

Time is of the essence, and your main goal is to stop water from causing more damage. Find the main water valve and shut it off with the help of your good old friend the wrench. Additionally, you might be able to turn off the individual water supply valves, better known as stops.

These valves can help you shut off the water to different parts of your home.

Depending on your home’s layout, you could also install a water leak detection system or automatic shutoff valves to deal with potential issues in the future. These might help you avoid a serious leak.

2. Review Your Home Insurance Policy

Remember what we said earlier about how not all types of water damage are covered by insurance? Now is the time to review your home insurance policy to check whether you’ll have to cash out the big bucks to repair the damage yourself.

Your insurance will cover water damage when it’s accidental or sudden, meaning, you couldn’t have possibly predicted it would happen. This could be:

1. Sudden plumbing or appliance problem

2. Leaking roof

3. Burst pipes

4. Ice dams on roofs

Any damage that happened due to home neglect is not covered. The same applies to flood damage, as that’s usually a separate policy.

This type of gradual damage includes things such as:

1. Groundwater, floodwater, or rapid thaw water leaking into the basement

2. Sewer pipe backup (an add-on you can include in your policy)

3. Leaks caused by old pipes

4. Leaks from old roofs

5. Mold or rot

6. Leaks from unmaintained faucets or toilets

3. Call Your Insurance Provider

The process of how to make a successful water leak insurance claim should be done as fast as possible due to the tricky nature of water damage. It takes just a day for mildew to develop after exposure to the water, hence, you should try to solve the problem as quickly as possible.

Preferably, you should notify your agent or your insurance company right away. Even if it’s late, you can go ahead and give them a call as nowadays, it’s perfectly normal for insurance carriers to have hotlines.

They might also help you find a water damage company, which is a huge plus and might save you a lot of hassle.

4. Hire a Water Damage Company

If there is any standing water in your home, you might need to hire a water damage/restoration professional. They can get rid of any water, dry all surfaces, as well as seal and ventilate wet areas and apply special solutions to stop the mold from developing.

However, not every company is the same, so before signing a contract, do a bit of research. Read online reviews, get a quote, and compare different companies before jumping into any contracts.

5. Vacate Your Home if Needed

Water damage can cause all sorts of health risks, such as drawing in household chemicals or wastewater into your home. It can also cause other hazards such as electrocution. Even if you do manage to get rid of all the water, mold spores can still contaminate the air.

Since most insurance policies will cover hotel accommodations and food expenses in case you have to vacate your home, it doesn’t hurt to make a mad dash to a hotel until everything is sorted out.

If you do so, don’t forget to list all of the expenses, and if possible, save all the receipts.

6. Document The Damage

While the fine people restoring your home will take photos of the damage, it’s not a bad idea to take your own. Remember to also photograph items that need to be cleaned or replaced since they are also a part of the loss.

This includes things in closets or drawers that were exposed to mold that might need professional cleaning.

7. Meet With Your Insurance Adjuster

The insurance company will send an adjuster to evaluate and document the damage, and take measurements. They’ll also inquire about the cause of the damage.

This person will try to estimate the cost of repairs and determine who is at fault.

Thankfully, your insurance will cover the damage even if it was caused by your actions, eg. installing a faucet yourself improperly.

If someone else is at fault, the insurance company might subrogate the damages (receiving payment from the insurance company of the plumber). For instance, if a licensed plumber installed the faucet and failed to do it accordingly.

The same thing applies to malfunctioning appliances. Your insurer might try to receive cash from the manufacturers of the appliance that caused this mess.

8. Review Your Loss Settlement

After the evaluation, the adjuster will send a written estimate of the cost of repairs which includes materials and labor.

The settlement figure might be lower than expected if your insurance policy doesn’t include replacement cost value. This means that the estimate you receive is based on actual cash value (ACV) which represents the value of your property today.

For instance, if your hardwood cost $15k a few years ago, you might receive that $15k minus depreciation.

In some cases, policies might contain depreciation holdback, which is when the insurance company will provide the depreciation amount after you show that you used your money for repairs.

What if Your Claim Gets Denied?

How to make a successful water leak insurance claim depends on the nature of the leak. For example, an insurance company might deny your claim because of negligence even if the water damage was caused by a malfunctioning appliance. They might reject you because the appliance was old and malfunctioning.

From their point of view, you should have known better.

Your best bet is to ensure that you can give clear evidence to the insurance company that you weren’t aware of the gradual damage. For instance, keep a record of all the inspections of your plumbing and hire a home inspector to check areas of your home where water leaks might happen.

To be on the safe side, contact your insurance company to see if there are any additional coverages you can add to your policy - these will safeguard you against other types of damages.

How To File A Water Damage Claim?

Mon, 29 Nov 2021 09:57:00 GMT

Every year many homes suffer from water damage. According to the Insurance Information Institute, these claims are the second largest in America. Most of the claims arising thereof are handled by the homeowner’s insurance policy, and for some, flood insurance coverage is required.

Water is fluid and knows no bounds. It flows into places you least expect and leave behind a mess that can have lasting repercussions. Therefore, water damage claims need to be handled with care and due diligence.

Water Damage Covered By Homeowners Insurance Policy

A Homeowners insurance policy usually covers all the standard causes of water damage . Nonetheless, just to make things a tad bit more clear, here is a list of events covered:

1. Pipe bursts.
2. Water leaks that damage the property.
3. Water seeps through the roof.
4. Flood damage (may be covered by the insurance policy, or you may have to buy additional coverage for it).
5. Damage due to a burst water tank.
6. Accidental leakage from the automatic sprinkler installed.

Water Damage NOT Covered By Homeowners Insurance Policy

Now let us have a glimpse of what the homeowner’s insurance policy will not cover. Knowing this beforehand will prevent you from filing unnecessary claims. So the events that are not covered are:

1. Water damage that results from deliberate damage to property.
2. Water damage that is a consequence of wear and tear of the physical structure of the residence, its depreciation, and any ensuing loss.
3. Damage that is caused by either nuclear weapons or ionizing radiation.
4. Damage that happens because of neglect and hitherto unresolved maintenance issues like rusty pipes, etc.

There could be several more exclusions as they depend on insurance provider to the insurance provider. The best thing to do would be to ask the insurance agent outright about what is excluded from the policy coverage.

Filing A Water Damage Claim

The process of claim handling does not begin with the actual filing of the claim. It begins much before and has a lot of say in successful claim settlement. This is how you need to proceed:

1. Ensure Your Safety First – Every home has electrical appliances, and it is a well-known fact that water and electricity are a match made in hell. Therefore, your first step should be to ensure your safety and that of all others in residence. It may include cutting off the power supply, switching off the gas pipeline valve, vacating the premises, etc.

2. Prevent Further Damage To Property – If there is no immediate threat to your safety, you must ensure the damage does not spread further. Containing the loss is essential. The insurance company will not honor the loss of those things that could have been easily saved by a little prompt action from the residents. Preventive action may include turning off the water supply and calling the water company immediately, placing sandbags and mopping up water to prevent its spread, and so on.

3. Intimate The Insurer – The next step is to inform the insurer. You can’t spring a claim on them without prior information. They, too, have to ensure that the claim procedure is followed correctly. Only then can they approve its settlement, and a timely intimation is a big part of it. So you need to inform the insurance company ASAP of what has happened and what you have done to contain the damage.

4. Photograph The Scene – For the sake of evidence, you will have to photograph the damaged site. Please do not move the damaged objects from their place. Take as many photographs as required to document the complete loss.

5. Gather Repair Estimates – Next, you will have to get an idea of how much the repairs will cost. Hence, you will have to gather quotes from the local licensed contractors. It is advisable to gather quotes from at least 2-3 contractors.

6. File The Claim – The actual claim filing requires filling up lots of forms, attaching identity proof, submitting proof of loss, repair estimates, and other supporting documents. You can find this information in your insurance policy, or you can speak to the insurance company’s agent and ask pertinent questions directly. Care must be exercised while filing the claim, as all information must be complete and accurate.

Once you have completed all these steps, your formalities concerning claim filing are complete. The ball is now in the insurer’s court.

Important Is To Follow The Guidelines Established By The Insurance Company

Always keep in mind that the insurer will honor only the covered losses if the proper procedure is followed. All these details are clearly given in the homeowner’s insurance contract. Hence, it is essential that you understand it completely. In case there are any doubts, you can always speak to the insurance agent or a representative in the office. Do not make the mistake of assuming that you know everything. When it comes to claims, best err on the side of caution as every claim is unique.

Before We Close

Have you ever thought of hiring a public adjuster ? If not, the following lines may change your opinion. First and foremost, the public adjuster works for the insured and not the insurer. Second, they are experts in settling claims successfully. Third, when you hire a public adjuster, they do all the work for you, and you just have to sign the papers and get yourself available for any meeting, if necessary. Finally, they only charge a small percentage of the final claim settlement, and they get paid only once you are.

With offices throughout Florida, Continental Public Adjusters are a reputable and well-established company. To date, we have helped thousands of consumers, businesses, as well as condo and homeowners, settle several simply too complicated claims. Our aim is to get our clients the best possible settlement so that they don’t suffer any significant financial loss. To engage our services, simply dial (800)989-4769 . We are here to make sure that your entire claim settlement journey is a smooth and stress-free process.

Most Common Property Damage Claims In Florida

Mon, 22 Nov 2021 07:50:00 GMT

Sun, sand, and water make Florida a paradise to live in. The golden beaches stretching through the coastline are a dream come true. This dream destination, however, hides in its bright sunshine some harsh realities of life. Hurricanes and tropical storms of high intensity come rolling in, disrupting life and wreaking havoc year after year. It is why homeowners invest heavily in getting good, well-rounded, and adequate homeowners insurance coverage.

When disaster strikes, you want to be well-prepared, especially in such a place where inclement weather is just a matter of time. Sometimes, it becomes essential to purchase additional insurance coverages to ensure that all eventualities are covered. If there is one certainty in Florida, every homeowner is sooner or later going to make claims for severe weather events. Not only that but there will also be other events that may make it necessary to file a claim under your homeowner’s insurance umbrella. To that effect, today, we shall enlighten you about some of the most common property damage claims in Florida .

Common Property Damage Claims In Florida

Whenever there is property damage, homeowners believe that their homeowner’s insurance will cover it all — the bubble bursts when they realize that assuming anything was a mistake. Therefore, when buying a new policy, ensure that you understand it completely. To make things easier, here is a list of common property damage claims in Florida so that you know that having these coverages is only to your benefit.

1. Wind And Hail Damage – Strong winds and hail typically accompany Storms. These two factors often cause massive damage. Since Florida is synonymous with thunderstorms, there are numerous claims arising from these two occurrences. The average claim value comes to about $11,000, so you can very well understand the severity of the loss.

Roof damage due to blowing objects, fallen trees, or heavy winds is probably one loss that has big financial repercussions. It may lead to a partial or complete roof replacement. Roof damage claims tend to go sour quickly if:

1. The roof of your dwelling is considered “too old” by the insurance company.
2. You have not kept up with its regular maintenance. If you have, always keep its proof handy, maybe even store it in a digital format.
3. Your homeowner’s insurance policy does not cover the cause that resulted in roof damage.
4. You have employed fraudulent methods and overhyped the damage to con the insurance company.

Other damages, like a caved sidewall, or broken doors and windows, may also happen, but such claims are few and far between.

2. Water And Flood Damage – If the rainwater or a broken pipe floods your residence, it is not flooding damage. It is water damage. So you need to be clear about the two. Flood damage happens when the water rises ground up and enters homes. It will typically happen after heavy rains or hurricanes. Now that you know the difference, it would be wise to point out most home insurance policies only cover water damage. To gain financial protection for floods, you will have to buy additional coverage. The best course of action would be to ask the insurance agent outright whether your homeowner’s insurance policy will suffice in case of floods or not.

Water damage occurs from:

1. Malfunctioning appliances.
2. Burst pipes.
3. Plumbing issues.

Flood damage happens when:

1. The bayou’s, dams, lakes, or rivers overflow, and water enters the home.
2. Incessant rains don’t allow the rainwater to flow away. Instead, it keeps collecting until it sleeps indoors.
3. Breaks or leaks in a communal pipe.

3. Fire And Lightning Damage – In frequency, fire and lightning damage claims are less. Nevertheless, their average dollar value is close to $80,000. So one can’t risk ignoring coverage for the same. This coverage becomes even more critical for the residents of Florida because fire is a necessary hazard of every home, and hurricanes and tropical storms rarely hit without lightning.

Both fire and lightning can lead to structural and cosmetic damage to a home. Had the loss been limited to that, it would have been a great day. But it tends to destroy the possessions inside the house as well. This is when you take a real hit, and the repair and replacement expenses add up to a significant amount.

4. Theft And Break-ins – Miscreants are everywhere. Everyone is not lucky enough to escape their clutches. Most of their acts include theft and break-ins or acts of vandalism. Unfortunately, they also try to grab the expensive stuff and make a run for it. In trying to get to the valuables, they turn things upside down and sometimes even destroy everything in between. Therefore, the loss is usually high.

Every homeowner’s insurance policy demands that the homeowners should take reasonable precautions to safeguard their property. It involves having a working burglar alarm or a similar security measure in place. Not fulfilling this core requirement may give way out to the insurance company from honoring the claim.

5. Mold Damage – The weather in Florida is conducive to mold growth. If your property has suffered water damage of any kind and there was a delay in executing remedial measures, there are very high chances of mold infestation. All mold damage is not covered under the homeowner’s insurance policy. In fact, it is usually a result of primary damage, so every homeowner needs to question the insurer whether they cover such ancillary damage or not. If not, it would be ideal to specifically ask for the coverage, even if it costs a little more.

Food For Thought

If you have not paid attention to the small details of the homeowner’s insurance policy, now you need to rise to the occasion. Finding out later that the policy you bought is not enough will become the makings of a nightmare.

Continental Public Adjusters can help the natives of Florida understand the contents of their current homeowner’s insurance policy. In addition, we can also help you successfully file the claim and get the maximum possible settlement. We are here to do all the legwork, and you just sit back and enjoy the fruits of our labor. Call (800)989-4769 to book an appointment.

10 Things To Know About Hurricane Insurance Claims

Mon, 15 Nov 2021 05:50:00 GMT

People of the United States of America, especially those who live on the coast, are no longer ignorant of the destruction caused by hurricanes. Everyone is apprehensive of the next one after seeing the carnage spread by Hurricane Harvey, Hurricane Maria, Hurricane Irma, Hurricane Laura, and the most recent Hurricane Ida. If forecasters are to be believed, the 2021 hurricane season will be an active one, so being prepared will be the only saving grace.

If your home has been affected by hurricanes in the past, you would know for sure that wind, wind-driven rain, and water are your biggest enemies. With so many occurrences associated with hurricane damage, it is essential to know clearly what is covered and what isn’t. So here’s all that you need to know about hurricane insurance claims .

Ten Things To Know About Hurricane Insurance Claims

1. Flooding Is Not Covered By Homeowners Insurance Policy – A typical insurance policy will cover the damage that happens due to rainwater coming in from the broken doors, windows, holes in the wall, or roof. The water that rises bottom up is an altogether different story. It is classified as a flood and not covered by the hurricane policy. For that, you need to have additional flood insurance.

In case you are one of those unlucky few who don’t have flood insurance, it would still be advisable to let your insurance company know of the damage. They might be able to cover some of the expenses. Our professional advice is to purchase flood insurance if there is a history of flooding in your area.

2. Auto Insurance Policy Covers Flooding – You have nothing to worry about if you have a comprehensive auto insurance policy. If not, then that’s a different story. In comprehensive coverage, you get protection for your vehicle from damage that isn’t caused by accident, and flood is one such damage. If the water damage is bad and renders your car a total loss, you will be paid the claim value of the car less the deductible.

If buying a used car after a hurricane, be extra careful. At such times, there are many water-damaged cars in the market. These can pose a serious threat to your safety and that of others.

3. Contact Insurer Immediately After The Occurrence And Document Loss – It is necessary to make temporary repairs to contain the spread of damage. Even insurance companies want that. But you need to inform the insurer of the occurrence as soon as it occurs and the measures you are undertaking to limit the loss. That is not all you have to do. To document the damage, you also have to take pictures. While taking pictures, ensure that the damaged objects are not moved from their original position.

When the insurance adjuster visits, you should show the evidence of damage (the pictures) and what you did to ensure it was limited (put up tarp or sandbags and so on). Do not throw away the receipt of supplies purchased to do temporary repairs. Your insurance company may reimburse them.

4. The Deductible For Hurricane Insurance Is Generally Higher – Many insurers charge a separate deductible for hurricane-related damages, which is usually 5% to 10% of the coverage. In rare cases, it may be a fixed dollar amount.

Let’s take an example. You insured your home for $300,000 with a 7% wind deductible. Your house suffered $25,000 roof damage due to high winds. In this case, you are responsible for $21,000, and the insurance company will only cover $4,000 of the damages.

5. Determine Whether You Are Eligible For Any Other Assistance – Usually, many non-profit and government agencies come forward offering help in many forms after a hurricane. It may relate to emergency housing, medical help, living expenses, or rebuilding expenses, etc. You can find out whether you qualify for any aid by entering the zip code of your area in the Disaster Assistance tool.

If you want in-person help, locate your nearest FEMA disaster recovery center. Similarly, you may also apply for a low-interest loan for repairs or replacement through SBA Disaster Loan Assistance if you qualify.

6. Rules About Fallen Trees Vary Situation to Situation – Damage from fallen trees is treated differently. If a tree from your property falls on the neighbor’s property, they should ideally file a claim with their insurer. If the same tree fell on your house, you will file the claim with your insurer. If it fell but caused no damage, the insurance company may pay a fixed amount for its clean-up (if agreed under the terms of coverage) or may pay nothing at all.

7. You May Qualify For Living expenses If Your Home Becomes Uninhabitable – Your insurance policy is most likely to pay for the living expenses (like food, rent, etc.) or a percentage thereof when your house becomes uninhabitable. They are covered for a year or less, depending on the policy terms. Some insurers may provide you with a debit card to bear the expenses. Irrespective of who is paying for them, do keep the receipts safe until the claim is settled in full.

8. Its Best To Avail Credit For All Belongings – If you are in the habit of maintaining an online inventory list of your possessions, you are off to a good start. If not, you will have to depend on the pics of the damaged products and other pictures of the room in good times to provide evidence. Hopefully, you have kept the purchase receipts of all the expensive items safe. Again, it would help if you make it a practice of storing them digitally on the Cloud. This way, they can be accessed anytime from anywhere. This documentation helps in proving the value of items for claim settlement.

9. Ask For In-Person Support – Insurance companies mobilize units on the ground to assist with filing claims after a major disaster. The state insurance department dispatches consumer protection staff. Special mediation programs are also started to settle disputes quickly between the insured and the insurer. The point is if you need in-person help, it’s all available. You just need to ask for help.

10. Take Help from State Insurance Department Through The Entire Process – If you have any questions, concerns, or doubts about the claim procedure, are unable to get hold of your insurer, or are delaying the settlement unnecessarily, the state insurance department can help. You can refer to the insurance department map for your state from the National Association of Insurance Commissioners’ to get the contact information of associated people.

Closing Notes

There are many details and fine print notes in every policy. Therefore, the insured must try and understand it all. It’s the small details that tend to cause problems. Nonetheless, if you live in a state prone to hurricanes, this is not your first experience with such claims. The filing roadmap and the formalities remain the same. Take pains to ensure that you don’t repeat past mistakes. Even better, hire a public adjuster. They work for the insured, and so your interests will be their top priority.

Continental Public Adjusters are experts in handling fire, wind, and plumbing claims in Florida. Founded in 1996, we have a legacy of thousands of successful claim settlements. It is for this reason our clients are of long-standing. If you need our services, contact us any day. We are happy to tell you that we can also provide you with a free claim review. To book an appointment , give a jingle at (800)989-4769 .

How To Calculate The Rebuild Cost Of Your House?

Mon, 08 Nov 2021 08:19:00 GMT

Calamities and unforeseen incidents can befall anyone. Sometimes, the incident may result in either complete or intensive destruction of your home. Therefore, it helps to know the rebuild cost of your house. Thinking about the day when you may have to make use of this information is an unsettling thought. Nonetheless, putting off this discussion is unfair as it refrains you from preparing for the uncertainties of the future.

Why Is It Essential To Know The Rebuild Cost Of Your Home?

Many people live in areas that are prone to natural disasters like floods, earthquakes, hurricanes & typhoons, etc. Often the damage is so severe that repairs are highly unlikely. At times like this, it is your insurance that will come to the rescue. But for that to happen, it is imperative that you know the rebuild cost of your home. Your property’s insurance value or coverage will depend on its rebuild value.

How Does The Rebuild Cost Help?

God forbid, but if an unfortunate event occurs that damages your house so severely that the only option left is to rebuild it. You will not be left with a hefty bill if your home insurance is based on its actual rebuild value. All you will have to foot is the difference amount. In short, the financial burden which would otherwise have been back-breaking becomes reasonable and bearable. Hence, it helps to know the rebuild cost of your house and buy coverage accordingly.

Rebuild Cost Of Your Home

We’ve been going on and on about the rebuild cost of your home, but do you know what it is? Well, if not, or if you’ve been hearing it for the first time, fret not.

So as you can infer from the name itself, rebuild cost is the money you will have to spend to build your house ground up once again post its destruction. There are several factors that are taken into account. Some of them are:

1. The cost of raw materials.
2. The cost of labor.
3. Survey costs, demolition costs, debris removal, and service installations (plumbing, electricals, etc.).

Rebuild Cost Is Different From Market Value

It might come as a surprise, but the rebuild cost of your home and its market value are two different things. When you apply for home insurance, it considers the rebuild cost and not its market value.

The fact of the matter is if you were to sell your house, you would get a higher value. Sad but true. The reality is rebuilding cost is usually lower than its market value. Factors like the cost of land, the property location, the type of house, its age, its school area, the demand of property in that area, etc., all play a discerning role in determining its market value.

How Much Will It Cost To Rebuild Your Home?

As a homeowner, you may not know the exact rebuild cost of your home. Still, you can figure it out from the following:

1. The last mortgage valuation report that you have or your bank has. You can request to see the bank’s copy.
2. The deed to your house will also have the information. If your house is old, you may have to make allowances for inflation and changes in the prices of the raw materials.
3. Your last insurance policy or the current one will also have this critical bit of information.
4. The report from the surveyor when you purchased the property will also have this bit of data.

The only drawback of using these documents as a reference point is that they are most likely outdated. Being out of date, they will not help you assess its true cost, and being way off the mark will fetch you a very low settlement if your property were to get destroyed.

What’s The Best Way To Determine The Rebuild Cost Of Your Home

There are two ways in which you can correctly calculate the rebuild cost of your house. These are:

1. Using An Online Rebuild Cost Calculator – These are pretty standard, and you can Google one up by simply searching for “Rebuild house calculator.” You will have to fill in some basic information like the square feet area of the house, region, the type of house, whether it includes a garage or other outbuildings, etc. Once you fill in these details, the calculator will give you a rough estimate of the final rebuild figure.

2. Hiring A Surveyor – You may not always have all the information handy. In that scenario, using an online calculator is of no use. So the next best option is to hire or engage the services of a surveyor. The person you need is a chartered surveyor whose specialization is rebuilding cost. Although their services don’t come cheap, yet they are the most preferred choice as they give you the most accurate estimate at any given time.

The Crux Of The Matter

It is essential for every homeowner to know the rebuild cost of their house. This will help them buy appropriate insurance coverage. Do keep in mind, your home’s insurance cover depends on its rebuild cost and not its market value. Hence, don’t mix the two. Any renovations to the house are going to change its rebuild cost. Consequently, whenever you do any upgrades to the house in the form of new additions or merging rooms, it is best to hire a surveyor to become aware of its current rebuild value. This way, when you renew your insurance plan, you can work with the most current and up-to-date figure.

In the event of any unfortunate event that causes immense destruction of your asset, rendering it uninhabitable and beyond repair, contact the professional team of Continental Public Adjusters . We can help smoothen the entire claim filing process and also guarantee that you get the maximum possible settlement. In your time of need, we are here to expedite matters and make things easier by sharing your burden. To book an appointment or just talk to us, call (800)989-4769 .

How To File A Claim For Roof Damage?

Mon, 01 Nov 2021 22:41:00 GMT

Whenever there is an event that damages the roof on your property, you may want to immediately get started on the repairs. The thought is very tempting, and yes, you need to take steps to ensure that your belongings inside the building stay safe. At the same time, you also need to ensure that you can effortlessly prove the cause of damage and extent of loss without putting your claim in jeopardy. But that will become impossible if you start the repairs immediately. There is a proper way to go about things. Typically, your insurance company representative would have made you aware of the process. So consider this post as a refresher on how to file a claim for roof damage.

Covered Perils That Cause Roof Damage

The roof is an integral part of your dwelling. Without the roof, you cannot stay in your house. Therefore, most homeowner insurance policies cover any damage to it. What is essential to know are the perils that are covered which can lead to a damaged roof. Most insurance companies will cover these perils:

When Is Roof Damage Not Covered

There are some exceptional circumstances under which the roof damage claims are not honored by the insurance company. These are:

The Correct Way To File A Claim For Roof Damage

Right off the bat, you can file your roof damage claim with the insurance company from whom you have purchased the homeowner’s insurance policy. Here’s how you need to proceed:

1. Inform The Company Of The Damage ASAP – You need to inform the insurance company of the damage at the first possible opportunity. In fact, the timeframe within which the insurer needs to be made aware of the incident is mentioned in the policy itself. Crossing the deadline may result in denial of the claim.

2. Document The Damage – Documenting the damage refers to making a record of the loss you have suffered. It includes taking pictures and making video recordings of it. These will later be submitted as Proof of Loss. It would be best to remember that the pics should be taken before starting repairs and that the objects should not be moved from their original location.

3. Gather Quotes – The next step is to collect quotes for repairs from the local licensed contractors. You will have to submit these as well when filing the claim.

4. File The Claim – Next, fill the forms and file them with the Proof of Loss and repair quotes. It is vital to ensure you fill the forms correctly and file them with full and complete documentation.

5. Save All Receipts Pertaining To Securing Roof From More Damage – One step you will be required to take before the claim gets approved is undertaking steps to secure the roof so that no further damage occurs. Save all the receipts relating to securing the roof. Do ask your insurer for an approved list of contractors, as working with someone else might result in the insurer not covering the cost of repairs. If your roof is so damaged that the house becomes inhabitable and you are forced to stay in a hotel, your insurance company may cover the hotel expense.

6. Visit From Insurance Adjuster – The insurance company will send an insurance adjuster to assess the roof damage. The adjuster, too, will take a lot of pictures and will even ask you some questions. His intention is to figure out the roof damage is accidental, and you are not trying to fleece the insurance company by playing up the loss.

7. Claim Approval / Denial – Your claim may be approved or denied based on the insurance adjuster’s report. If the claim is approved well and good. If not, it would help to brush up on your knowledge regarding your appeal rights.

File Claim Before Repairing The Roof

It is best to file the claim and be through with the insurance adjuster’s visit before initiating the roof repairs. The insurer may have a clause in the policy that you only work with contractors approved by them.

How Long Does It Take To Settle A Roof Damage Insurance Claim?

Every roof damage claim is unique. The time it takes to process it depends on the severity of the damage. The more the damage, the longer it may take, and vice-versa. Usually, a claim may take 30 to 60 days to settle.

To Sum Up

The process of filing a roof damage claim is the same as that for any other loss. It is dealt with very carefully because usually, the roof is very expensive to repair — all parties concerned need to ensure that only the due amount is paid. Once the formalities are completed, the settlement moves at a faster pace. As the insured, if you feel incapable of running around and completing the formalities, you can hire a public adjuster to do all your leg work.

Continental Public Adjusters are experts in handling the claim settlement process for homeowners and condo associations. Our company was founded in 1996, and since then, we have successfully settled thousands of claims. Our offices are located throughout Florida, and we feel incredibly proud to serve its residents. If you need an expert to bat for you and ensure that you get a maximum settlement, contact us at (800) 989-4769 . You can also contact us to get a free claim review.

What Is The Cost Of Homeowners Insurance In Florida?

Mon, 25 Oct 2021 08:09:00 GMT

Purchasing homeowners insurance is necessary because sometimes the mortgage company dictates it and mostly because you want to safeguard your most expensive investment. Having no insurance would mean any loss or damage to property would come from the property owners’ pockets. With homeowners insurance, the financial burden is shared between the insurer and the insured. To that effect, it would be bang on the mark to say, “homeowners insurance is a necessity,” one that will save you from financial misery later.

Average Homeowners Insurance Cost In Florida

Florida presents a challenging environment due to its complicated insurance market. The sunshine state is considered one of the costliest in terms of home insurance. The average homeowner’s insurance cost for a $250,000 home or residence is $1,353 per annum, with a monthly premium averaging at $113.

Why Is Florida A Complicated Homeowners Insurance Market?

Florida’s unique location makes it susceptible to cyclones and hurricanes. Its worst-hit areas are the Atlantic and Gulf coasts. Therefore, the rate of insurance in these areas is even higher. Each year, at least one category 3 or higher hurricane hits Florida wrecking damage in billions. Insurance is bound to be complicated in a place where such devastation is considered part of ordinary, everyday life. The insurance companies have to make several large-scale settlements in case of such losses, which can make them bankrupt if due care is not exercised.

1. Homeowners living in areas with a lower risk of hurricanes and cyclones get standard insurance coverage more easily than those living on the coast. Their insurance premiums are also lower than the latter.

2. Many private insurance companies have withdrawn their business from Florida because it presents too high a risk for catastrophic damage. They fear their company will not be able to handle the large pay-outs.

3. Increasing cases of fraud have also added to the turbulent mix adding to the cost of insurance.

Factors Affecting Homeowners Insurance Cost In Florida

There are several factors that affect the home insurance rates in Florida. The most prominent ones are:

1. Zip code of the area where your home is located.
2. Age of the home.
3. Size of the residence.
4. Condition of the home.
5. Home improvements made the home secure during hurricanes and floods.
6. Protective measures are implemented to secure the home against fire and burglaries.
7. Your claim history in context to prior home insurance claims.

Florida Homeowners Insurance And Hurricane Coverage

As per the law, the insurance companies providing homeowners insurance in Florida have to provide hurricane insurance with the standard coverage. Consequently, keeping in mind the frequency of hurricanes, the insurance companies have a clause mentioning a separate deductible for hurricane-related losses or named tropical cyclones. This hurricane deductible is around 1% to 5% more than the deductible of the base policy. A good and safe practice would be to buy additional coverage for losses unrelated to tropical storms. This way, all your bases will be well and truly covered.

Avail Discount On Wind Resistant Features

The insurance law of Florida dictates the insurance companies to provide special discounts on the hurricane windstorm part of the insurance premiums for those homes that have upgraded their property by installing hurricane-resistant features. It includes even measures that reduce the risk of damage like roof straps, window shutters, using wind-resistant building materials, etc.

If you have not made any such upgrades, now might be a good time to set the ball rolling. The upgrades will cost money which you will be able to recover through the insurance discount. All in all, it’s a good deal and makes for a win-win situation for all.

What To Do When You Can’t Buy Home Insurance Coverage From A Private Insurer?

There is a possibility that the private insurance companies deny giving you homeowners insurance coverage. When that happens, all is not lost. You can still purchase the necessary coverage from Citizens Property Insurance Corporation , which is a state-run insurer. As long as you meet its requirements, the state insurer will not deny you the coverage. Although it is considered to be the last resort insurer, yet when no others come to the rescue, you can still secure your property through them.

Why Does Homeowners Insurance Cost Vary State To State?

Every state has its own rules and regulations regarding insurance. These are based on the inherent risk the region provides. So a homeowners insurance policy will have some universal coverage at standard rates, and then the variable portion is added by the risks presented by the area. It will take into account the steps you have taken to counter the risks. For these reasons, the insurance rates differ from state to state and region to region.

Key Takeaways

There is no standard rate of homeowners insurance that applies to all. It differs from region to region, house to house, and coverage to coverage. Hence, it is almost a guarantee that your insurance policy and that your neighbors will have a different price tag. Whenever you are looking to buy new homeowners insurance in Florida, our best piece of advice is that you either go to a broker or gather quotes from several players in the market before making any final decision.

The experts at Continental Public Adjusters can guide you in purchasing the best homeowners insurance in Florida. Since we deal in claims and settlements, we know what all coverages you should apply for. With our knowledge and experience, you only stand to gain. And when the time comes to file a claim, no matter how big or small, we can expedite matters and ensure that you get the maximum possible settlement. Working in your interest (insured), we ensure that our relationship is mutually beneficial. If you want to talk to us, call us at (800) 989 – 4769 to book an appointment. Established in 1996, we have aided thousands of clients – businesses, as well as condo and homeowners associations, wade through the formidable property claims process. So can rest assured that you are in good hands.

How Long Do Arson Investigations Take?

Mon, 18 Oct 2021 06:29:00 GMT

It is not unheard of that people set their property on the blaze to collect the insurance money. A typical insurance policy covers only accidental occurrences. Intentional acts of malice are not covered. Therein lies the need for proper investigation and exercising caution by the insurer. Usually, depending on the severity of the damage and the evidence found, a fire claim investigation can take some time. If you were expecting a quick settlement, you probably need to revise your timelines.

Arson

Arson is deliberately setting fire to property. It could either be your personal property or that belonging to some other person.

Fire damage is not automatically considered to be arson. It is only judged to be so once all accidental causes have been eliminated. It means now the investigators have to provide evidence to the effect the individual caused the fire on purpose, and they intended to cause harm to the property. It is for this reason proving arson is a challenging task and often takes time.

Arson Investigation A Challenging Task

An arson investigation is challenging because preserving its evidence is nearly impossible. The fire destroys its physical proof, and the water and chemical foam used to kill the fire destroys the remaining potential evidence. Therefore, the arson investigator depends on eyewitnesses’ statements and the firefighters’ findings to prove what actually happened.

Arson is extremely destructive in nature. Only a trained and knowledgeable person can correctly interpret the clues or evidence to prove the fire was an intentional act. One would not be wrong in saying that an arson investigator or fire investigator is a fire scientist and a detective. The evidence is analyzed to determine what caused the fire, the accelerant used, utilities tampered with, etc., to identify the criminal nature of the activity and the perpetrator behind it.

How Long Do Arson Investigations Take?

An arson investigation is just like any other fire investigation. It takes anywhere between a few days to a few months, depending on the loss and damage wrought by it. An arson investigation is usually wrapped up in about six months. So don’t expect a quick settlement.

Signs Of Arson

A few common signs that are indicative of arson are:

1. Absence of proof of accidental occurrence, especially the “V” burn pattern.
2. Signs of forced entry.
3. Valuable items are missing.
4. Contradictory statements from the property owner.
5. The damage is too extensive.
6. There are unusual burn patterns that support the theory of high heat buildup.
7. The color of the smoke is indicative of external agents used to set up the blaze.
8. Accelerants are used to spread the fire.
9. Utilities like the fire extinguisher, fire alarm, sprinkler system, etc., are tampered with.

Steps Involved In Arson Investigation

1. An arson investigation typically begins with an interview of the first responders on the scene, which happen to be the firefighters. The investigator questions them about things like the fire pattern, smoke color, condition of the sprinkler system, the behavior of flames, etc.

2. After this primary inquiry, the investigator looks for the point where the fire originated. He, too, documents all the evidence.

3. Finally, the investigator reconstructs the complete sequence of evidence using scientific methods to prove whether the fire was accidental or arson.

Do I Need To Engage The Services Of An Arson Investigator?

The standard practice is for the insurance company to send their fire investigator to assess the scene of damage. However, in certain circumstances, it would be beneficial to engage the services of an independent investigator, especially if:

1. Either you or someone else in your family is being accused of arson . In this case, an independent investigator’s report can supply you with the necessary evidence to support your case in a court of law.

2. Your property or your home has suffered fire damage . Fire damage is usually extensive and expensive to overcome both mentally and financially, sometimes even physically. If you suspect foul play, an independent fire investigator can help you unearth the evidence. Even otherwise, his findings can help you get the maximum possible settlement from the insurance company. In short, it is a win-win situation for you.

Why Do People Commit Arson?

Why do people do anything wrong? Sometimes to make easy money and sometimes for financial gain. Some resort to it just for thrills, and some even to exact revenge. Vandalism, politics, and mental illness could be the other guiding factors. No matter what the reason, arson is a crime punishable by law.

The Conclusion

How long do arson investigations take? There is no fixed period in which a fire investigation is wrapped up. Everything depends on how significant the damage was and the evidence collected from the site. To be truthful, even the interpretation of the evidence can take time. Yes, all fire investigations follow the same process, but to say the procedure is simple and straightforward would be a straight-up lie. It is because every fire is different, and so is the investigator involved. Similarly, if the fire resulted in extensive damage to property and loss of life, the investigation will probably continue for a long time.

A fire investigation is not considered complete until the fire investigator submits the written report. The claims for small fires are typically closed within a week, perhaps even two, but in the case of large fires, the investigation alone takes months, so it would be foolish to think of a quick settlement.

As an insured, if you ever feel that justice is not being served with the fire claim settlement process, you always have the option to hire a public adjuster . The public adjuster works for the insured and not the insurance company and is well aware of all the tricks that can help you get the best possible settlement. If you are a resident of Florida and in need of such expert help, you can never go wrong by hiring Continental Public Adjusters . With thousands of successful claim settlements, we assure you of the best possible service and the best possible outcome. To book an appointment, call (800) 989 – 4769 .

How Long Does Fire Investigation Take?

Mon, 11 Oct 2021 08:11:00 GMT

When you purchase a homeowner’s insurance, the last thing on your mind is filing a fire claim. Nonetheless, when the unexpected happens, it happens. You cannot wipe it away. Take comfort in the realization that your insurance will help you wade through the mess created by the fire.

Many people come to us, including clients, wondering why their fire damage claim takes so long to be approved by the insurance company. So we thought it best to talk to you in detail about the fire investigation, which is time-consuming and causes delays in the claim settlement process.

What Happens In Fire Investigations?

Fire investigation is a complicated process. It does not simply begin with the investigator reaching the site and talking to the owners. In fact, there is a full sequence of steps involved which they must adhere to.

1. First, the investigator has to ensure the safety of the premises as the investigation can start only once the site is deemed safe to enter.
2. The next step is the actual investigation. It is a tricky process. The investigator will:
3. Thoroughly examine the scene to determine the origin and cause of the fire.
4. Figure out the reasons why the fire spread.
5. Take into account the mitigating steps undertaken by the homeowner.
6. Assess whether the fire was an accident or there was malicious intent involved.
7. The third step is documenting the complete evidence and putting it all down in the report.
8. Finally, the report with complete findings and expert comments is submitted to the insurance company.

How Long Do Fire Investigations Take?

Fire investigations can take a few days to a few months depending on:

1. the size of the fire.
2. Whether there was any loss of life.
3. Damage to property.
4. The number of witnesses on the scene.
5. Any hint of suspicious activity.

The higher the damage, the more time it will take for the investigation to wrap up. Critical is to remember; the investigation will still follow the same steps as mentioned above. It will only take more time because there is a lot more evidence to sift through. Once the investigator’s report is submitted, things will move faster.

Most fire claims that are correctly filed and handled are usually settled anywhere between 90 to 120 days . Those claimants who have no prior knowledge of filing a fire claim are likely to make mistakes. In their case, the complete settlement process may take even longer.

What Happens When There Is Suspicion Of Fraud?

If the fire investigator gets even a hint of fraud and evidence to support their theory, your claim will be outright rejected by the insurance company. Covering up your mistakes is a wrong move. Do keep in mind, insurance only covers accidental losses, and accidents can happen with anyone. Hence, instead of hiding facts, help the investigator uncover them quickly and efficiently.

How Can I Help Expedite Fire Investigations?

As a homeowner and claimant, you can help move the investigation of the claim faster. For that, here’s what you need to do:

1. Inform the insurance company immediately of the occurrence and find out how you need to proceed. Don’t delay informing the insurer. This lack of communication could very well play a critical role in the acceptance and rejection of the claim.

2. Take pictures and make videos of the complete damage including that caused by smoke and soot. When you are doing this activity, do not move anything from its original place. It will help investigators rebuild the scene much faster.

3. Make a note of all that happened that led to the fire and the steps you undertook to put it off and prevent it from spreading. This step is necessary to prove that you tried your best to keep the damage minimal.

4. If you are filing a fire claim for the first time, hire a public adjuster to help you do things correctly the very first time. Making mistakes, correcting them, and refiling the claim will only add to the claim settlement time.

5. Write down the contact details of the witnesses . When fire damage happens, and others see it, you should take down their contact details. These could be your neighbors, passers-by, or those who helped you contain the fire. It will save the investigators time in tracking them down. These are also the people who can also help make your claim stronger.

What To Do If The Insurance Company Denies The Fire Claim?

If you have adhered to all the insurance contract terms, the insurance company should not deny your claim. But it still does happen because the claim was not filed correctly or it was not filed timely etc. If your claim is denied, you always have the option to contest it in a court of law.

Concluding Thoughts

There is no fixed answer to how long it takes to complete the fire investigation. It all depends on how well you documented the loss and the findings of the investigator. Nevertheless, the rule of thumb is that the more significant loss, the more time it will take, and vice-versa.

If you want to ensure that your fire claim is not denied, it would be best to involve a public adjuster . Since they handle such claims day in and day out, they know all the grounds on which the insurance company may reject yours. Working with a public adjuster gives you a good shot at getting the maximum possible settlement. They do all the leg work in filing the claim and ensure that you get the best outcome in return.

If you’ve had a fire recently and are wondering how to get a quick settlement, Continental Public Adjusters can help you. We are a reputed company with offices throughout Florida and excel in fire, wind , and plumbing claims . Allow us to assist you in your arduous claim settlement journey. We can make the complete process smooth and hassle-free. To book an appointment, give us a jingle at (800) 989 – 4769 .

Does Homeowners Insurance Cover A Grease Fire?

Mon, 04 Oct 2021 06:10:00 GMT

Homeowner’s insurance helps protect the homeowners against the unexpected. There are many things going on in the home at the same time. Sometimes these things take an unexpected turn. At such times, the homeowner’s insurance policy comes to the rescue. From break-ins to theft and fire damage to water leaks , the cover protects against several things that could negatively impact the property.

Fire insurance claims are one of the most common amongst homeowners. Electrical fires and kitchen fires are the usual heads under which the claims are made. In kitchen fires, grease fire is the main offender. Since all homes have a kitchen and it is used the most, today, we shall discuss homeowner’s insurance and grease fires in detail.

Grease Fires Can Happen In Any Home

No matter how good a cook you are, you too have some off days. Remember, even the Michelin star cooks make mistakes. You are no different. The mistake may take the form of a fire that causes damage in the kitchen, and if it spreads, then elsewhere as well. Hence, it is best to take into account that these things can happen in your home also.

How Grease Fires Start

When oil or fat spills from the pot onto the stove plate, it catches fire. This is a grease fire. The fire feeds itself and cannot be put out by throwing water over it. That could be hazardous. For this precise reason, it is advised that all homeowners keep a fire extinguisher in the kitchen. It also happens to be one of the core terms of the homeowner’s insurance policy.

What Not To Do In Case Of A Grease Fire

1. Don’t Wait For It To Die Out On Its Own – As mentioned above, a grease fire feeds itself so it will not die out without causing massive damage. Hence, waiting for it to go out is a grave mistake. Use your fire extinguisher to stop its spread. If it’s not handy, throw a towel over it to cut the air supply. Once the air supply is cut off, the fire will extinguish.

2. Don’t Throw Water Over It – No matter what, never throw water over a grease fire. When water comes in contact with hot oil or fat, it will splatter and cause burns on your skin.

Homeowner’s Insurance And Grease Fire

A typical homeowner’s insurance policy covers grease fire, provided it is accidental. Intentionally causing such a fire will not go down well with the insurance company, and the claim will be denied.

Scenarios In Which The Claim For Grease Fire Will Be Denied

It stands to reason that the insurance company will deny the fire insurance claim filed under the homeowner’s insurance policy under some circumstances. These scenarios are:

1. The Insurance Company Suspects Fraud – Some not-so-smart people try to outsmart the insurance company and finance their new kitchen through them. What most of them don’t account for is that the insurance company will conduct its own investigation. If they as much as smell the word “fraud,” your so-called fire insurance claim will be denied. Let alone a new kitchen; you will have to pay from your pocket to repair the damage in the existing one.

2. You Did Not Pay The Premiums On Time – Your homeowner’s insurance policy exists as long as you pay the premiums on time. If you miss even one installment, it will render the policy void. Hence, remember to be on top of all payments of your insurance premiums.

3. You Failed To Adhere To The Terms Of The Policy – The insured must fulfill some core conditions to ensure that their insurance policy remains active. One such condition is owning and installing a fire extinguisher in easy reach of the kitchen. There are others as well, and to know them all, you will have to study the insurance document carefully. If you fail to fulfill even one of these critical requirements, your grease fire insurance claim will be denied.

Proceeding With A Grease Fire Insurance Claim

1. Stop Further Damage – The first step involves stopping the fire from spreading. So you do whatever you have to in order to contain the damage. You also make a note of the same and keep it handy to provide supplemental information. It acts as proof showing that you tried your best under the circumstances to stop the fire from spreading.

2. Document How The Fire Started – While things are still fresh in your mind, it is best to write down the sequence of events that led to the grease fire. Over time your memory may become hazy, and you might skip some vital details.

3. Take Pics And Videos Of Damage – At this point, it is critical to remember that you have to prove the loss when filing a claim. Hence, take pictures of the complete damage. The more pictures you have of everything from all angles, the better it is. Make a video as well. While doing so, do not move anything from its original position. That could be taken as tampering with the evidence.

4. File The Claim Timely And Accurately – When you file the claim, it needs to be done within the timeframe mentioned in your policy. Fill all the forms correctly and provide the complete documentation.

The Crux Of The Matter

Grease fire insurance claims are covered under the homeowner’s insurance policy, and its treatment is standard as long as you follow the guidelines set by the insurer. Once you file the claim, the insurance company will send somebody to investigate its authenticity. If all seems in order, your claim will be passed and a settlement awarded to you.

If you were planning to upgrade your kitchen, it would be best to involve a public adjuster as he knows how to get you the maximum settlement in minimal time. They also happen to do all your legwork, and you simply sit back and reap the benefits for a small predetermined fee. Continental Public Adjusters can help you with your Florida-based fire insurance claim . We are a reputable company with a successful track record. To book an appointment, call us at (800) 989 – 4769 .

How To Make A Successful Water Leak Insurance Claim?

Mon, 20 Sep 2021 07:12:00 GMT

Purchasing the insurance policy is an easy task. The more challenging task is filing a claim. Not only is the process tedious and time-bound, but it has a lot of formalities that the insured needs to fulfill. On top of that, every time one files a claim, it is not necessary that the insurance company will accept it and honor it. Most claims get denied because they are not filed correctly, and some because the damage is not covered in the insurance policy. So all the running about becomes a waste of time, money, and effort. Nevertheless, don’t be disheartened, for if you go about claim filing correctly, your claim will not be denied.

Water leak insurance claims are one of the most common that homeowners file under their homeowner’s insurance policy. Nonetheless, these are also some of those claims that have a high rejection rate. So today, we shall tell you how you can make a successful water leak insurance claim.

Making A Successful Water Leak Insurance Claim

Making a successful water leak insurance claim is not very difficult. If you proceed with caution and do as per the insurance company’s advice, you will not face much difficulty getting a fair settlement. So here’s how you need to proceed to make a successful water leak insurance claim:

1. Understand Your Homeowners Insurance Policy – To make a successful claim, it is essential to know the types of loss or damage covered by the policy. You can ask the insurance agent or seek a qualified independent party, like a public adjuster , to help you understand the policy’s coverages and terms. The whole point of this exercise is knowing beforehand what is covered and what isn’t. If the damage is not covered, filing a claim for it is futile. It is a waste of time and energy, for it is bound to get rejected.

2. Control The Leak Or Water Build-Up – Controlling the leak or water build-up does not mean you start the repair work straight away. That will have to wait until the insurance company gives the go-ahead. In the interim, you will still have to undertake mitigating efforts to prevent further damage. For example, shut down the water supply, so no more spill occurs, and stop the water from spreading by building a barrier from old clothes or sandbags.

3. Inform The Insurance Company And Ask What To Do – The very next step should be to call the insurance company and inform them of the water damage that has occurred in your home. At the same time, ask them what specific requirement you need to fulfill to file the claim. Follow the steps as advised by them. Do not work with the assumption that you know everything. For all you may know, there might have been some change in the process and formalities since the last time you filed a claim.

4. Document The Complete Extent Of Loss – Since it is water damage, some of the water and maybe even the whole of it will evaporate by the time the insurance adjuster arrives on the scene to access the loss. Therefore, it helps to document everything. Take pictures of the loss without moving the damaged things from their original place. Also, note down the day and time of the loss. If the exact time is not known, make a record of the time when the damage was noticed first and by whom. In the long run, these little details will make for a smoother claim settlement process.

5. Get Quotes From Multiple Registered Contractors – You need to get quotes for repairs and reconstruction from several contractors. These details are to be provided when filing the claim. Make sure that all the contractors you refer to are registered. Quotes from unqualified contractors will not be accepted and may lead to the rejection of the claim by the insurance company.

6. Fill The Forms Correctly – If you file the claim form with incorrect or fudged information, it is considered equivalent to hiding pertinent facts and lays the ground for claim rejection. Fill the form timely, correctly, and provide all the supporting documents.

7. Be Ready To Ask For Help – For some of us, the running around when filing the claim may be more than what we can handle. In this process, there are no shortcuts. So if it seems too intimidating a task, hire a public adjuster . They only charge a small percentage of your claim and ask for payment only after the insurance company pays you. They will handle the complete claim settlement process, and you have to do nothing apart from sign the pacers and attend meetings when asked. The claims process cannot become any easier than this.

Water Leak Insurance Claims That Will Not Be Covered

There are two types of water damage claims that are almost never covered. These are the claims that arise from:

The Crux Of The Matter

Filing claims of any type, including water leaks, is a tedious process. Hence, be ready for hard work until and unless you are ready to hire a trusted and reputed public adjuster. If so, you can sit back and relax, and someone else will see to all the details. If not, be sure to follow the precise process. Start with undertaking the mitigating steps, inform the insurance company, record the loss in the form of pics and videos, get quotes from registered contractors, and finally, present your claim to the insurance company with the “Proof of Loss” and all the other supporting documents.

When it comes to claims, time is of the essence, so you can’t put off things indefinitely. If you don’t have time or the inclination to run pillar to post, hire the expert team at Continental Public Adjusters . We can help you file the claim correctly and ensure that you get the maximum possible amount as the settlement. To book an appointment to discuss your claim, give us a call at (800) 989-4769 .

Will Homeowners Insurance Cover Water Leaks?

Mon, 13 Sep 2021 08:42:00 GMT

One of the most common causes of claims amongst homeowners insurance is water damage. In fact, they are the second-largest claim in frequency. Approximately one in fifty homes will report it every year. The reason could vary from faulty plumbing to frozen pipes and storm damage.

Typically, a homeowners insurance policy will cover most of the water damage. Nevertheless, there are some exceptions. This is precisely why there exists doubt about making a claim. Most homeowners don’t clearly know what types of water damages are covered by the homeowner’s insurance policy, and, hence, they land up making claims even when they are not covered.

Today, we aim to clarify all those scenarios when people can make a water leak homeowners insurance claim.

Types Of Water Damage Covered By Homeowners Insurance Policy

A homeowners insurance policy will not cover all types of water damage. It only covers a few, which are:

1. Accidental or sudden water discharge.
2. Accidental sewer overflow (you may need an endorsement for this).
3. Water damage due to the storm.
4. Flood damage (in case you have purchased an additional flood cover).

The key here is that the homeowner’s insurance policy covers water damage that is either sudden or accidental. For example, a pipe burst for no good reason is a covered loss. However, damage that occurs due to slowly dripping water over a long period of time is not a covered loss.

Resulting Damage May Or May Not Be Covered

The resulting damage is secondary. It occurs as a result of some other primary damage. For example, the pipe burst that we spoke about above damages the wooden floor. If there is a provision in the homeowner’s insurance policy for covering the resulting damage, you can file a claim for it. Conversely, if the policy does not cover the resulting damage, there is no point in filing a claim as the insurance company will reject it.

Another thing of importance is that if the resulting claim is covered, it will typically have an upper limit. Any expense over that amount will have to be borne by the insured. Therefore, it is necessary to know the amount up to which the secondary damage will be covered.

Types Of Water Damage Not Covered By The Insurance Policy

Water damage that results from negligence or happens gradually is not covered by the insurance policy. Negligence is the homeowner’s fault. Slow damage occurs due to gradual wear and tear, which can easily be avoided by maintenance or taking timely action. Failing to do so is again the homeowner’s fault. As a result, the insurance company has nothing to do with them.

Some scenarios of water damage not covered by the insurance company are:

1. The damage that results from the lack of upkeep and maintenance of plumbing. For example, corroded pipes, leaky faucets, etc.
2. Broken pipes as a result of gradual damage.
3. The damage caused by mold and rotting due to water leaks.
4. The water damage that happens due to water seeping in from the cracks in the foundation.
5. Water damage that happens because of a damaged roof is also not covered.

No matter the type of insurance policy or extent of coverage you buy, damage caused by negligence is hardly ever a covered peril. In rare cases, gradual damage might be covered, but for that, you will have to check the policy wording. You can ask your insurance agent for assistance in understanding the terms of the cover.

Reasons For Denying Coverage

The insurance company can deny coverage if:

1. The damage is found to be gradual.
2. The damage is caused due to the homeowners’ or tenants’ negligence.
3. The claim adjuster finds signs of fraud, i.e., the homeowner or the tenant is trying to deceive the insurance company and hiding pertinent facts.
4. The primary water damage is not covered by the homeowner’s insurance policy.

Many homeowners believe that the insurer should have covered the loss. In such cases, they can seek a second opinion from a public adjuster. If you don’t wish to go that way, you can still contact your state’s insurance commissioner and file a formal complaint against the insurance company.

Filing A Water Leak Insurance Claim Correctly

The chances of getting your water leak insurance claim approved increase if you file it correctly. So keep these things in mind:

1. Understand The Terms Of The Policy – There is no point wasting your time if the damage is not covered. There is only one way to know, and that is by understanding the complete terms of your insurance policy. Part clarity will only tell you part truth which further terms can negate. Hence, do assume anything.

2. Document The Loss – Take pictures of the loss without moving the damaged objects from their original place. Write down the date, time, and extent of the damage.

3. Take Steps To Limit Further Loss – If necessary, place sandbags and shut down the water supply to control the damage. Remove all salvageable and undamaged items to protect them, etc. These measures are taken to ensure that the damage does not spread.

The Gist Of The Matter

Every homeowner should have a complete understanding of their insurance policy. If you are worried about water damage, buy additional coverages to ensure that you are not left high and dry when the unthinkable happens. If necessary, discuss with the insurance agent your needs and buy a tailored homeowners insurance policy instead of the standard one. Remember that the insurance company will cover only sudden and accidental causes of loss from water leaks. Gradual, intentional, and damage due to negligence are not covered perils.

If you ever find yourself in a dilemma and can’t be sure about the coverage of the claim, you can always ask for help from an independent insurance adjuster. A reputed, trustworthy, and experienced adjuster like Continental Public Adjusters can help you wade through the tedious process of claim settlement. Hiring them will also ensure the maximum return. To book an appointment, call (800) 989-4769 .

Hurricane Damage Claims in Florida – Everything You Need To Know

Mon, 06 Sep 2021 05:38:00 GMT

When you live in Florida, hurricanes become a part of life. You not only learn to live with them but also deal with their consequences. It is why hurricane insurance has become so popular there. Homeowners and commercial building owners both know that hurricanes are imminent and so they purchase the best possible protection and take all precautions to keep the damage minimal.

Hurricanes are notorious for being unpredictable. Sometimes they dwindle down to nothing and fade, and at other times their severity may escalate rapidly. No matter what you do, the damage is bound to happen. This is when your hurricane insurance plan comes to the rescue. Today we shall talk extensively about hurricane damage claims and all things related. Hopefully, it will make for an enlightening read.

Types Of Hurricane Damage Claims

1. Damage To windows From Flying Debris – The most common hurricane damage happens from flying debris, and the poor victims are the windows. The glass shatters, and the frame may also come loose or get damaged. In either case, it is advisable to click pictures of your doors and windows before and after the hurricane hit. It is only to prove that the hurricane caused the damage and not an issue arising due to lack of maintenance.

2. Roof Damage – Collapsed or caved-in roofs and parts of roof and siding blown away are regular occurrences during hurricanes. Such loss can happen due to high-intensity winds or flying debris, or both. Again, the best practice is to keep your home inspection papers handy to show there was no negligence on your part. The other important thing is to take pictures of the roof after the hurricane damage to prove the loss.

3. Damage Caused By Fire – Practically, when it’s raining, there should be no fire, but that’s not how things work. The reality is far different. During hurricanes, power lines can fall, leading to electrical fires, or there might be a power surge or water seepage causing a short circuit that ignites into a flare. Your home and possessions will suffer major damage in any such occurrence. Some may even be destroyed beyond repair. It is helpful to have an electronic record of all the bills pertaining to your most expensive possessions because paper bills may get burnt in the fire. These will come in handy when filing for a claim, along with the pictures of the loss suffered.

4. Water Damage – Contrary to popular belief, water damage during hurricanes does not always happen because of floods. It can happen because of water entering the home from damaged windows or leaking roofs, etc. Water damage of any kind is bad because water means dampness, and dampness means mold and rotting. As a property owner, try to contain the damage as much as possible. Take pictures of the damage, along with any mitigating steps you have taken to prove that there was no negligence on your part.

Things Covered By Hurricane Insurance

No two homeowners insurance policies are the same. Therefore the definition of what is covered will vary depending on the type of coverage you chose to buy.

1. If you live in a hurricane-prone area, the chances are that you will need to buy additional protection against the said calamity as your typical homeowner’s insurance will not cover it. So any resultant damage will also not be covered if it is because of a hurricane.
2. If you live in an area where hurricanes are not a common occurrence, you need to get clarity on whether your homeowner’s insurance policy covers any such event or not.
3. Flood damage is not covered in the homeowner’s insurance policy. You will need to buy additional protection against it.

Things Not Covered By Hurricane Insurance

There are two things that hurricane insurance does not cover. These are:

1. Damage To Vehicle – Hurricane insurance will not cover the damage to your vehicle parked in the garage or a carport. Typically, if you have been vigilant, you would have bought a vehicle insurance policy that covers damage from hurricanes. If yes, you are in luck because, in that case, the vehicle’s insurance policy will cover the damage.

2. Damage Due To Negligence – When people live in hurricane-prone areas, they should install safety measures and follow some protocols. If you fail to do so and your negligence causes the damage, it will not be covered by your insurance policy.

Dealing With Damage Post The Hurricane

The aftermath of a hurricane is brutal to deal with both mentally and physically. Mentally, you may be distraught with the destruction it caused and having to face the reality of the loss you have suffered. Physically, you have to gear up to run pillar to post, filing claims, getting quotes, starting the repair and rebuilding work. All in all, the days ahead are going to be hard. Nevertheless, you will have to do the following tasks:

1. Catalog all the damage.
2. Take pictures and make videos of the damage.
3. Speak to the insurance company to determine the formalities you need to complete to file the claim successfully.
4. Make an appointment with contractors to assess the damage and get quotes.

Take A Public Adjusters Help

Whenever there is a catastrophe, claims are also high. Even a hurricane of moderate severity can wreak havoc. In all this, filling the forms correctly, getting all the documents in order, and their timely submission becomes an ordeal. Even then, the chances are that your claim will get buried under a pile. So here’s a piece of sincere advice to expedite matters and get the maximum and timely settlement – Hire a public adjuster in Florida .

In Florida, a reputed and trustworthy public adjuster like Continental Public Adjusters will do all your leg work for successfully filing the claim. They will take matters into their own hands to ensure that all the paperwork is filed correctly and well within time. Additionally, they will also follow up continuously with the insurance company to keep track of your claim. All in all, your claim settlement process will become hassle-free. To book an appointment for their services, call (800) 989-4769 .

Independent Adjuster vs Public Adjuster: What’s the Difference

Mon, 30 Aug 2021 06:25:00 GMT

Barely would you ever come across a person who does not have any type of insurance? It is a necessary evil that one purchases to financially safeguard their future against the possibility of a loss. Whenever there is a loss that is covered by your policy, you file for a claim. Typically, an adjuster will come and assess the financial implications of the loss and inform the insurance company, based on which the settlement amount will be fixed. Therefore, the role of the adjuster is vital.

What An Insurance Adjuster Does

When your insured property suffers damage of any kind, you have to provide an estimate of the cost of repairs when you file the claim. Here starts your race. You run pillar to post, trying to gather quotes from contractors. Some may quote too high and others significantly less, and yet a few somewhere in between. The point is that you don’t know which estimate is most appropriate, and neither does the insurance company.

To protect its interest and ensure there is no fraud involved, the insurance company sends an adjuster. He inspects the damage and writes up his estimate.

Types Of Adjusters

There are two categories of claim adjusters. These are:

1. Independent adjuster or the independent claims adjuster.
2. Public adjuster or the public claims adjuster .

As a policyholder, you are most likely to think any adjuster will do. After all, they are here to assess a loss. This assumption is precisely the root of all misery that you might have to face in the future. Independent and public adjusters are two separate entities whose loyalty lies with their respective employers. Hence, you want the adjuster to bat for you when you file a claim, not the insurance company.

Why You Should Not entirely Trust The Adjuster Employed By The Insurance Company

Insurance is a business, and every insurance company needs to have a reasonable margin of profit to stay afloat. If they pay the maximum amount for all claims every time, their profits are bound to dwindle until they start operating in loss and ultimately close down. So what the insurance company tries is to pay the least possible amount for the loss to the policyholder. It is especially true in the case of property insurance.

One needs to beware because the claims adjuster sent by the insurance company, who introduces himself as an independent adjuster, will try and downplay the loss. These underhand tactics ensure that the insurance company has to pay as little as possible in a settlement. For this very reason, it is better not to place your trust entirely in the independent adjuster. Whatever they say should be taken with a heavy dose of salt.

Difference Between Independent Adjuster And Public Adjuster

1. Employed By
a) Independent Adjuster – The term independent adjuster is a misnomer. They may be independent but are employed by the insurance company. Several insurance companies typically employ an independent adjuster.
b) Public Adjuster – Public adjuster is for the public. They are employed by the insured to protect their interest. Typically one public adjuster is employed by several policyholders to handle their claims.

2. Loyalty Of The Adjuster
a) Independent Adjuster – The loyalty of the independent adjuster is with the insurance company. Therefore they are always pro the insurer and not the insured.
b) Public Adjuster – The loyalty of a public adjuster is with the policyholder or the insured. Therefore, you can always be assured that he will work in your favor.

3. Treatment Of Claim Estimate
a) Independent Adjuster – He will try his best to get quotes as low as possible so that the insurance company pays the least possible amount.
b) Public Adjuster – He will try to get the most reasonable estimate so that the insured does not have to pay anything other than the deductible from his own pockets. The aim is to get the maximum amount the insurance company is willing to pay as settlement.

4. Scope Of Work
a) Independent Adjuster – The work of an independent adjuster is limited to inspecting the loss and submitting its estimate.
b) Public Adjuster – The public adjuster does all the leg work for the insured. He gathers the estimates, files the claim, submits the documents, and does all the work for the insured to ensure that the claim is settled to satisfaction as soon as possible.

Try A Public Adjuster Before Passing Judgement

You will come across people who say there is no use employing a public adjuster. It is a sheer wastage of money because you can complete all the formalities yourself. Yes, you can indeed do it all, but won’t it be easy to let someone else take care of things and pay them a fee for it? You will no longer have to go back and forth collecting proof and estimates, submitting documents, filling forms, etc. Will that not make life much simpler?

Here’s a list of tasks that a public adjuster will perform for you. The list is not exhaustive, just indicative.

1. The public adjuster will gather all the necessary documents, fill up forms, and submit the claim.
2. He will ensure that all forms are filled accurately and submitted timely.
3. He will negotiate with the insurance company on your behalf.
4. He will set up appointments and attend meetings with all parties involved.

When the claim is finally settled, the claim adjuster will charge a small fee which is usually around 10% of the settlement amount. The fee is mutually agreed upon initially, so there is no question of pulling the wool over your eyes at the end. Moreover, the adjuster is paid only after you are.

Wrapping Up

An independent adjuster and public adjuster both perform the same job, though their loyalties lie with a different set of people. Where one (independent adjuster) favors the insurer, the other (public adjuster) favors the insured. When the insured suffers a loss, it is best to have someone playing ball for you on equal footing with the insurance company. The public adjuster gives you that distinct advantage. This way, the insurance company’s tactic to pay as little as possible will no longer work.

If you are looking for a reputed and experienced public adjuster in Florida who can expedite your claim and reduce your frustration, you are in luck. Continental Public Adjusters will provide you all the necessary assistance and handle the complete process on your behalf. Place your trust in us, and we shall awe you with our service. To book an appointment, call (800) 989-4769 .

10 Questions to Ask Before Hiring a Public Adjuster in Florida

Mon, 23 Aug 2021 08:39:00 GMT

Public Adjusters are a necessity in today’s time where insurance companies try to get away by paying as little as possible. God forbid, but if ever your home or office gets damaged, and the loss is quite substantive, very likely the insurance company will send across their insurance adjuster who will try and downplay the loss. At this time, the one person who shall bat for you and not the insurance company is the Public Adjuster.

Hiring A Public Adjuster Is To Your Benefit

Typically, you either accept the offer made by the insurance company, or you sue them. The problem with accepting is that you get paid way less than what you deserve. The problem with suing is that while the case is being judged, you have to bear the legal fees and the cost of repairing the damage. Neither scenario is favorable.

A Public Adjuster Main benefit it can help you get the maximum possible settlement without having to accept the insurance company’s low ball figure or suing them. They help you make a counteroffer with complete documentation and proof of loss such that the insurance company has no other option than to approve your claim.

10 Questions To Ask When Hiring A Public Adjuster

1. Do They Have A License To Operate In Florida? – A legal business has the license to operate in the state. If the Public Adjuster does not have the license to operate in Florida, they are of no good use to you whose damaged property is in the said state. Therefore, first and foremost, question them about their legal entity by asking them to see the license.

2. How Long Have They Been In This Line Of Business? – Nowadays, it is not unheard of for companies to have their fingers in different businesses. Hence, even if you have heard of the company name, don’t assume anything about their experience. It is best to question them straightforwardly about how long they have been in the claims business. A new firm will likely not have much to offer in terms of years of experience, but they might have been lucky enough to hire an experienced team. Even the reverse can happen. The company might be old, but the players involved, new. So, be point-blank in asking such questions.

3. Do They Have Any Experience With A Claim Like Yours? – Having experience handling claims is one thing, and having the experience handling claims like your another. Once you explain your situation, ask the prospective public adjuster whether they have handled anything similar in the past. If not, move on and keep looking. If yes, the next question to follow is quite apparent.

4. Can They Provide Local References? – If the prospective public adjuster claims to have experience handling claims like yours, ask them for local references. If they hem and haw, and fail to provide any worthwhile references, it’s best to look for someone else. If they’ve done a good job in the past, they should be able to provide references.

5. Do They Work In A Team Or Work Alone? – A lone ranger will have limited knowledge and limited resources. It would be best if you had an adjusting firm that works with a team. Together, their knowledge will only help your cause and improve the chances of getting the maximum possible settlement. They can even pool their knowledge and resources to expedite the claim settlement process.

6. When And How Do They Get Paid? – Ideally, the public adjuster will get paid only when the insurance company pays you. Then, too, their fee is a fixed percentage of the claim. If the public adjuster asks for their fee before the claim is settled, steer clear of them.

7. Who Will Prepare The Claim? – Sometimes, the public adjuster uses a third party to prepare the claim. The practice is not wrong, maybe they have too many cases to handle, so they outsource a part of their work. Nevertheless, if they try not to answer your question or fail to be upfront about it, you will always wonder what else they are hiding. Being able to trust the public adjuster is important. All you need is a guarantee that the person handling your claim is always in the loop and knows what is being prepared and filed regarding your claim.

8. Number Of Claims Being Handled By Them At The Time? – This little information comes especially handy when there is a catastrophe. If the number of claims being handled by the public adjuster is large, there are high chances that your claim may not get the attention it deserves. Even worse, the information could get lost, leading to unnecessary delays.

9. What Are Their Errors And Omission Policy? – In the insurance industry, the equivalent of malpractice insurance is the errors and omissions policy. It is a way of ensuring that if you suffer a loss due to the public adjuster’s mistake or negligence, they have the financial capacity to compensate you.

10. Will They Allow You To Remain Involved With The Claim? – It is your claim, and you should have some say in it. If the public adjuster does not keep you in the loop at all times, it is not right. Even if they prefer you don’t communicate directly with the insurance company, which is mostly the case, they need to keep you informed.

The Crux

When hiring a public adjuster, you have every right to question them, for you will be paying their fee. Ask as many questions as you can to clarify any doubts that you may have. The above few questions are only to get you started on the right track. If the public adjuster tries to confuse you with complicated jargon and does not give straightforward answers, don’t look at them twice. They can’t be trusted to do justification to your claim.

If you are looking for a public adjuster in Florida to help you with your claim, you should come to us. Continental Public Adjusters is a well-respected, trustworthy, and experienced public adjusting firm. We assure you of the best possible service at all times. Our aim is to ensure that you can talk to the insurance company on equal footing and get the maximum possible settlement with minimum trouble.

Is Your Homeowner’s Insurance Dog-Friendly?

Mon, 16 Aug 2021 05:55:00 GMT

A typical homeowner’s insurance shields your residential property and assets within. It also covers the expense for damage and injury to someone else caused on your property. What most people are not aware of is that pet dogs are responsible for a large number of liability claims, and all insurance companies cover them willingly.

Why Is A Dog-Friendly Insurance Necessary?

People who have furry companions will agree that sometimes they can be unpredictable. No matter how friendly your dog, he can still bite if provoked or surprised. Similarly, someone can also trip and fall over them, causing both the dog and themselves injury. Moreover, your pet is a part of your family, and therefore, it needs appropriate coverage.

The damage or injury caused by the dog is not always to others. Sometimes, even your belongings and family members may have to bear the brunt of it. A homeowners insurance policy that covers your dog will bear the expense for accidental dog bites to the damage caused by them.

What Will Happen If The Dog Is Not On Your Homeowner’s Insurance Policy?

In case you have not put your dog on your homeowner’s insurance policy, and an untoward incident happens, you will have to pay for all the legal, medical, and repair bills from your pocket. Your insurance policy will not pay for any injury or damage caused by a pet who is not covered.

Homeowner’s Insurance Covers Dog Bites

A dog bite is a part of the personal liability coverage. If your dog is included in your homeowner’s insurance policy, it will cover dog bites irrespective of whether they occur at home or elsewhere. Usually, the payout, in this case, is fixed. If the medical expense and the cost of a lawsuit that arises for a dog bite exceeds the fixed amount, the excess will have to be borne by the homeowner.

On average, the minimum payout in personal liability coverage is $100,000. If the claim arising from a dog bite is greater than that, you will pay for the excess.

Determining Who Is At Fault

If the guest deliberately provokes the dog and, in turn, the dog bites him, it is neither your fault nor that of the dog. However, it is all about proving the fault. In some cases, the dog owner is automatically held responsible for any injury or damage caused by the dog. Nevertheless, sometimes the onus to prove fault lies with the injured third party where they have to prove that the owner knew their dog was dangerous.

Are There Breeds That The Insurance Companies Won’t Cover?

Sadly, some breeds of dogs have a bad reputation. They are notorious for being too aggressive. If you happen to own such a breed, getting your pet added to the homeowner’s insurance policy may become an uphill task. Although, one can find a ray of hope in the fact that there is no fixed list of dog breeds that are considered dangerous. It may vary from insurance company to insurance company. Hence, if, at first, your request for adding your pet to the policy is denied, don’t be disheartened. With perseverance and persistence, you may be able to find :

1. An insurance company that covers the breed of your pet.
2. An insurance company willing to cover your furry pal for a higher premium.

Breeds That Are Considered “BAD” From Insurance Point Of View

A few dog breeds for which you may struggle finding liability coverage are:

1. Wolf Hybrid
2. German Shepherd
3. Doberman
4. Rottweiler
5. Alaskan Malamute
6. Siberian Husky
7. Pit Bull

What Constitutes A Dog-Friendly Homeowner’s Insurance Policy

Here are a few things that you should look for in a homeowner’s insurance policy if you are a dog owner:

1. It Should Extend Protection To Your Dog – A good homeowner’s insurance policy is that which extends to your dog without any unnecessary stipulations and provisions. If your dog is from the “Excluded” list or has a history of being aggressive, then there should be a provision to buy additional coverage for him.

2. It Should Not Be Overly Pricey – If your pet is not amongst the “Excluded” list, your homeowner’s insurance policy should not charge you exorbitantly for covering them. Although, do keep in mind that the premium may still be a little higher than those who don’t own pets. The best thing to do here would be to compare quotes before finalizing a policy.

3. The Policy Should Allow For Determining Fault – Instead of assuming that it was the dog at fault; hence, the homeowner is responsible, the policy should have the provision to prove fault beyond a reasonable doubt before jumping the gun.

4. Policy Should State Factors That May Render The Coverage Void – Despite your furry friend being covered by the insurance policy, there are still instances where the coverage may be denied. All such instances must be stated in the policy, and you should be made aware of them. If the insurance company hides such pertinent information, you cannot trust them to be fair and impartial.

Are There Any Dog-Friendly Insurance Companies?

Good news for all pet owners – there are many dog-friendly insurance companies. Finding one that covers your precious friend is not as difficult as it is made out to be. Some reputed dog-friendly insurance companies are:

1. AIG
2. Chubb
3. Safeco
4. Plymouth Rock

There are high chances that you will find coverage for a dog that has a biting history or belongs to a dangerous breed with these companies.

Wrapping Up

It is always better to be upfront with your insurance company if you own a pet, dogs, and any other pet included. Hiding pertinent information like this can invalidate your policy, which is never good, especially when a claim arises. Also, let the insurance company know about how ferocious or gentle your dog is. This way, you will not have to pay unnecessarily high premiums if it is avoidable. Generally, adding your pet to your homeowner’s insurance policy is not difficult. Nevertheless, if you struggle in that department, you are more likely to succeed with a company like AIG or Chubb, as mentioned above.

What Does Condo Insurance Cover?

Mon, 09 Aug 2021 06:32:00 GMT

People live in different types of houses. Some stay in condos, and some reside in townhouses and independent homes. Typically all homes have the same type of insurance cover. Yet, when it comes to condominiums, the insurance cover differs due to this type of housing’s uniqueness. As a result, there is a lot of confusion regarding condo insurance. Allow us to make things clear to you.

Condos Are Unique

As we said, a condo is unique. Some areas are public, belonging to all the residents of the condo complex and the living unit itself is private property belonging to the condo owner. Therefore, two types of insurance come into play. The residents need to purchase Condo Insurance for the private living quarters, while the Condo Association Insurance covers the public areas.

Condo Insurance

Condo insurance is also known as “HO-6 insurance policy” or “Walls-in Coverage.” They protect only your housing unit. A typical condo insurance policy will provide:

1. Personal liability coverage.
2. Living expense coverage if the condo becomes uninhabitable.

It does not provide any protection against floods. For that and other such situations, you may need to buy additional cover.

Things Covered By Condo Insurance Policy

Every condo insurance plan has a few standard coverages. Here’s a list of them:

1. Personal Liability Coverage – Family, friends, acquaintances, and sometimes even other people come to your condo. It could be for pleasure or work. The reason does not matter. If they suffer an injury while on your premises due to some fault of yours, the personal liability coverage will come into play. It will allow you to pay for the injured party’s medical expenses and the related legal bills.

2. Building Property Protection – This coverage will make it easy for you to pay for repairs of your condo unit’s walls or other interiors. The important thing to keep in mind is that the damage is covered only if it has been caused by a peril covered by your insurance policy.

3. Guest Medical Coverage – Sometimes people may get hurt while in your condo for no fault of yours. Guest medical coverage will still allow you to take care of the injured party’s medical expenses.

4. Personal Property Coverage – Personal property is your belongings like clothes, appliances, electronics, and furnishings. If they get damaged or stolen, insurance will help you pay for their repairs or replacement. Although the amount you will get depends on whether you chose the Actual Cash Value (ACV) option or the Replacement Cost Coverage option. The thing of importance here is that in both cases, three will be a limit. It means the maximum payout is capped, and you cannot get more than that.

5. Loss Of Use – If the damage to your condo is such that you cannot use it and have to live elsewhere while the repairs are being done, you can claim financial assistance under loss of use from your insurance company. Typically, it will cover your lodging and transportation expenses. If, say, your house is still livable, but the kitchen has suffered the brunt of the damage and rendered unusable, you can claim for eating out.

Things Covered By Condo Association Coverage

The condo association insurance policy is also known as the master policy. Typically, it will cover all the common areas like the swimming pool, boiler room, hallways, roof, etc. In short, it will cover all the shared spaces. Nonetheless, that is not all this policy will cover.

Sometimes the condo association policy may cover:

1. the physical structure of your condo, including its walls and floor.
2. your condos’ initial or original construction, including the fixtures.
3. only the condos bare walls, ceiling, and floor.

Things To Be Aware Of About Condo Association Coverage

1. In the US, there are several condo associations which makes for that many variations in the condo association insurance policy.

2. It is best to know the contents of your condo association insurance policy. It will tell you what all protections the association offers and what remains to be purchased by you. This way, you will be able to buy a more tailored personal condo insurance policy.

Why Buy Personal Condo Insurance When There Is Condo Association Insurance

A condo association insurance will majorly cover damage to all the common areas of the building. Some, though not all, may even cover your floor, walls, and ceiling. So this is also not guaranteed. What it will definitely not cover is the damage to your personal possessions. Therefore, in order to safeguard all your assets against any eventualities, it is advisable to buy personal condo insurance.

Other Optional Condo Insurance Covers

A condo owner can buy a few other optional coverages to get a well-rounded insurance policy. These include:

1. Protection Against A Stated Natural Calamity – Natural calamities are those acts of nature that wreak havoc on your personal property. It could be a flood, tornado, hurricane, snowstorm, etc. When you buy protection against a natural calamity, it is in addition to your condo insurance policy. Also, the calamity should be clearly specified.

2. Umbrella Insurance For Condos – To protect yourself from the financial effects of a devastating loss, you can purchase an umbrella cover for your condo. Such an addition will come in handy if the loss you suffer is more than the limit of your existing condo insurance policy.

It’s A Wrap

The best way to buy condo insurance is by first evaluating the contents of the condo association insurance policy. Once you know what all it covers, you can purchase an insurance policy that will cover the rest. Furthermore, strengthening it with additional optional coverages will give every condo owner to safeguard their assets even better.

If you find it challenging to understand the contents of your insurance policy or need help filing a claim, engage the services of Continental Public Adjusters . We know insurance like the back of our hand and can guide and represent you so that you get the maximum settlement in minimum time. To book an appointment, call us at (800) 989 – 4769 .

Is Mold Damage Covered By My Homeowners Insurance?

Mon, 02 Aug 2021 06:06:00 GMT

Mold is every homeowner’s nightmare mainly because it is a health hazard and a costly surprise that reduces the market value of your home. It is, therefore, natural for you to want to protect your property against it. The main question that now arises is whether your homeowner’s insurance policy covers mold damage or not? To assume one way or the other would be a foolish mistake because when it comes to claims, the insurance company will only accept those covered under the policy.

Key Points To Remember

1. The homeowner’s insurance policy does not guarantee coverage for mold damage.
2. It may be covered only if the said damage occurs from a covered peril.
3. A flood insurance policy will cover the mold that occurs as a result of flooding.
4. A homeowner can and must take steps or preventive measures to ensure minimal mold damage to their property.

Mold Damage From Covered Perils

Every homeowner’s insurance policy will cover some perils. These are listed in the policy itself. If the peril is not listed, it is not covered.

Mold occurs when water seeps into your home. There could be numerous reasons behind such seepage like damaged plumbing , water heater bursting, etc. The water may penetrate the floor or dampen the walls and cabinets, resulting in mold formation. In this scenario, you have two types of damage:

1. Initial Damage – It is the direct damage caused to your property due to the covered peril. The initial damage could be spoiled appliances, wet floors, and walls, etc.

2. Resulting Damage – The damage that results from the initial damage is the resulting damage. It would cover things like rotten floorboards, peeling paintwork, mold, and so on.

When purchasing the homeowner’s insurance policy, you need to confirm the types of resulting damage that it will cover with the insurer . For example, some policies may cover r mold removal and repainting expenses but may not pay for a burst water heater.

The other point of importance is that the resulting damage covered under the policy may have an upper cap limit . It means that the maximum amount payable will be limited. Hence, say that the cost of repairing the “Resulting Damage” comes to $10,000, but your policy limits it to $7,000. In this case, the difference of $3,000 will come from your pocket.

Mold Formation Due To Acts Of Nature

By “Acts of Nature,” we mean events like floods, hurricanes, earthquakes, etc. Typically, such, even result in significant losses. Therefore, in most states, you need to buy separate insurance coverage against each. The more frequently a natural calamity visits your locality, the higher the chances you will need to buy extra protection against it. These events, too, can lead to mold formation.

Whether your homeowner’s insurance policy will cover the mold damage will depend on which act of nature caused its formation and whether you have purchased protection against it or not. For example, in a standard home insurance policy, there is no provision for flood damage. Only if you have purchased flood insurance will the resulting mold damage be covered. The same stands true if mold is caused due to a hurricane, an ice storm, or a blizzard.

Mold Caused Due To Homeowners Negligence

This is where things tend to get murky. The onus of proving that mold damage has not occurred due to negligence is the homeowner’s duty. Hence, you should keep all bills of upkeep and maintenance handy.

Any mold damage, in fact, any damage caused by the homeowner failing to ensure timely repairs and maintenance, will not be awarded by the insurance company. Ignoring the basic upkeep of your house to your peril only. The expense of its repairs will be borne by you and not the insurance company, even if it is a loss that is covered by the home’s insurance policy.

Let us take an example to clarify things further. As a homeowner, you notice a wet spot on the wall behind the kitchen faucet. You continue to ignore it since it’s a small spot until the pipe bursts and floods the kitchen one day. The insurance company will not cover this loss as you overlooked the need for timely repairs.

Tips To Avoiding Claim Denial For Mold Damage

You can do two things to ensure that the insurance company does not deny your claim for mold damage . These are:

1. Take Preventive Steps – It means taking steps towards ensuring that mold formation does not occur at all. It will consist of:

1. Separating wet and dry areas, especially in the bathrooms.
2. Installing exhaust fans and dehumidifiers in areas that are prone to dampness.
3. Regular inspection of the roof and cleaning of gutters, specifically before a major storm is expected or the monsoon season begins.
4. Insulating pipes both inside and outside the homes where winters are severe.
5. Check all appliances that use water regularly to ensure there are no leaks anywhere. Even those that produce moisture like your HVAC system also.

2. Proper Claim Filing – It’s all about ensuring that your claim is presented correctly and completely to the insurance company. You need to:

1. Document the damage with photos and videos.
2. Supply your repairs, and upkeep records.
3. Follow all instructions and guidelines as asked by the insurance company.
4. Get in touch with companies that are approved for mold removal.

The Crux Of The Matter

After reading this whole article, you must have realized one thing – You need to understand your home’s insurance coverage in full. Only if you have its complete understanding will you be able to judge whether the mold damage is covered or not. It will also bring to light whether you need to purchase additional coverage to protect your home against any damage that is not covered by the homeowner’s insurance policy.

If you wish to understand the contents of your homeowner’s insurance policy or if you require any help filing a related claim, contact the experts at Continental Public Adjusters . We are your best bet in Florida for getting a successful claim settlement. To book an appointment, call us at (800) 989 – 4769 .

4 Reasons Your Condo Insurance Claim May Be Denied

Mon, 26 Jul 2021 05:54:00 GMT

Homeowners’ insurance policies and condominium owner’s insurance policies appear to be similar in structure, yet they differ in a big way. It is because of the basic difference between a home and a condo. A condominium or a condo is a building structure that is divided into several units. Each unit is separately owned, but common areas surround it. These common areas are jointly owned. In contrast, a home does not have any common areas. The boundaries are clearly demarcated to highlight the limit of each property. Due to this fundamental difference, the insurance policies also differ. Assuming both to be one and the same is just one of the several reasons why your condo insurance claim may be denied.

Today, our area of interest is gaining deeper insight into the four top reasons behind the denial of condo insurance claims. Armed with this knowledge, every condo owner will be better equipped to present their case.

4 Reasons Your Condo Insurance Claim May Be Denied

Most of us operate under the assumption that we understand our condo owner’s insurance policy, but do we really? Herein is the root of all claims denied. Lets us briefly look at the issues:

1. The Policy does Not cover the Property Damage – Usually, there is a generic Condo Insurance Policy to which you buy some add-ons. These add-ons or endorsements make for a comprehensive policy that protects you well. If you forget the add-ons, you might just be left high and dry. For example, your condo insurance policy may not cover flood damage. If you don’t purchase that extra protection and there is flooding in your condo, there is no way you can claim damages. Even if you do file a claim, it will be denied because your insurance policy has no provision for the same. Therefore, whenever you invest in a condominium insurance policy, make sure that you cover all your bases.

2. The Damage Actually Falls Under The Condo Association Insurance Policy Coverage – As we explained above, a condominium will have some areas that are your personal property and others that are public property. Therefore, two separate policy covers apply. The damage you are filing a claim against may be a part of the Condo Association Insurance Policy, which is covered by either the same insurance company from whom you have purchased the Condo Insurance or a different insurance company altogether. So if you file for such a claim under your personal Condo Insurance plan, it is bound to be denied.

3. Missing Premium Payments – An insurance policy is a legal contract between the insurance company (Insurer) and the insured. According to the terms of the contract, you have to pay a fixed premium at regular intervals for the coverage to remain in effect. If you miss a timely payment of one or more premiums, the contract becomes null and void. In such a case, if your property suffers any damage and you file a claim against it, the insurance company has every right to deny it. It is why you should always ensure that all your premiums are paid on time and in full.

4. The Insurance Company Suspects Fraudulent Play – There is an investigation for every claim to make sure that it is a genuine loss. The insurer will leave no stone unturned to validate its legality. If by any chance, the insurance company suspects foul play on the part of the insured and also finds evidence to support it, they have every right to reject the claim. Similarly, if the loss was caused by your negligence or by your own hands, in that event, the claim will not be approved by the insurance company.

How To Ensure Your Condo Insurance Claim Does Not Get Denied

Now that you know the probable reasons behind the rejection of your Condo Insurance claim , it’s time to figure out the way to maximize the chances of getting a successful settlement. Here are a few things that every condo owner must do:

1. First and foremost, understand your insurance policy . Don’t guess; instead, be sure of its terms and all that it entails. You can do it two ways. One, sit with a representative of the insurance company and ask them to explain the policy to you in its entirety. Or two, hire a public adjuster who can help you gain complete insight into how your policy works.

2. This next step will come in handy when you file the claim. Document the complete loss . It means:

3. Note down in writing the date, time, and location of things when the damage occurred.

4. Take pics of the loss and make videos without moving anything to provide as proof of loss.

5. Make a written list of all items that are damaged or stolen. Include their estimated value if original bills are not available.

6. For damage that calls for repairs, get quotes from several local contractors.

7. When the adjuster visits your condo to assess the damage, have a contractor present at the venue.

8. Finally, until your attorney gives you the green signal, do not sign on anything given by the insurance company. This last bit is only to ensure that you don’t get fleeced.

Words To The Wise

Most of us tend to think we know what is the apt insurance coverage for our condo. Never in our dreams do we think that it would be better to ask for help. Just because you have had the same policy cover for years does not mean it is the right one for you. Thankfully today, you can consult with specialists or experts on any matter for a small fee. The insurance of your home is a big deal because of its monetary value. Therefore, you need to be careful and exercise caution.

If you live in Florida and wish to engage the services of an expert in helping you understand the contents of your insurance policy or file a claim successfully, you need not look beyond the competent team of Continental Public Adjusters . We can help you in your trying time and make things as smooth as possible. To book an appointment, give us a call at (800) 989-4769 .

How To Protect Your Business From Natural Disasters?

Mon, 19 Jul 2021 13:23:00 GMT

Natural disasters have a way of disrupting life and business alike. They damage buildings (residential and commercial), take lives, and even destroy our physical assets. The destruction wreaked by natural disasters is usually so massive that one needs to take proactive steps to protect their property. In the case of businesses, they have to be extra vigilant as it is the question of the entrepreneur’s investment and that of the livelihood of others.

To think that nothing will ever happen to your business is like living in a bubble. The day that bubble will burst, you will have nothing to help you recover. If nothing else, remember an earthquake can happen anywhere and anytime with no warning. The earthquake is just an example and not the only natural calamity that you need to be worried about. The whole point is, to recover from the effects of a catastrophic natural disaster, every business owner needs to have a plan.

Protecting Your Business From Natural Disasters

If you already don’t have a plan in place to help your business get back on its feet as quickly as possible after the natural disaster hits, you need to chalk one out now. Here’s how you need to proceed:

1. Risk Assessment – The first order of business is to assess your vulnerable areas. It begins by determining the most apparent threats to your business. For example, your region might be prone to hurricanes, so they should be your primary concern. But that does not mean you should forget about the rest. The less common disasters can still strike. Hence, you need to fix your highest risk and also prepare for the rest of them. You need to identify the potential consequences of each.

2. Inventory – Now that you know of all the possible threats and consequences, it’s time to take an inventory. Start by pinpointing the critical business functions and the assets involved in its execution. The aim is to get things up and running in the minimal time possible. Even if, at first, your assessment is not accurate, don’t worry. The main point is to get the ball rolling. You can always revisit and change things as you move forward and more information comes to light. The best way to begin is by categorizing your resources into tangible & intangible assets and people. Your machines and systems will be a part of tangible assets. Data and software will fall in intangible assets, and the workforce absolutely necessary to manage them all will be your people. Strictly speaking, this is your first step in safeguarding all that is important to your business.

3. Get Proper Insurance – To protect their enterprise, every business owner must have adequate and proper business or commercial insurance. You will need an insurance cover to protect the business from loss due to the natural disaster and help the employees during the period. It should provide the necessary financial aid to get the business running as soon as possible. Talk to your insurance advisor and review the coverage that is in effect at present. If it seems inadequate, take steps to buy additional cover.

4. Setting Up Safety Protocols – Setting up the safety protocols is all about thinking of ways to address the risk. A few ideas are:

1. Create an emergency plan for vacating the building. Locate all exits and plan an efficient way to vacate the premises as quickly as possible.
2. If your finances allow, you should think of spreading the business to two different locations instead of consolidating everything in one place. The chances of both offices getting hit at the same time are very slim.
3. As the current COVID-19 pandemic has shown, one must also think of work from home protocols.
4. Create a backup of all your data on the cloud. This way, authorized personnel will still be able to access it anytime from anywhere.

5. Establish Contact Procedures – Safety procedures alone are not sufficient. The business owner’s responsibility does not end by ensuring the safety of the employees on-premises.

1. They should warn others who have not yet reached the office and ask them not to come in.
2. Similarly, those who vacate the premises should know whom to contact afterward.
3. There should be a team of people reaching out to the employees and helping relocate them if necessary.
4. You also need to have a communication plan that will inform the customers of the occurrence and the delays it will cause. They, too, should know whom to contact to get complete and updated information.
5. Even the vendors need to be kept in the loop and fully informed, just like your customers.

Many business owners pay little to no attention to these contact procedures and create undue confusion. All of it is entirely avoidable. If you follow proper protocol, your performance in contingency situations will only make your brand easy to trust.

6. Lend A Helping Hand – The work ethics that your company displays during and after the natural disaster hits will either build you up in the community or will become the reason for distrust. If your business is up and running before others by a stroke of luck, it is in your best interests to help others overcome the situation. Your employees can become a part of a search and rescue team, medical aid team, or rebuilding projects. The idea is to get out there in the community and assist those who have borne the brunt of the calamity. Your company and, consequently, the brand will gain their trust. It will be free advertising that also builds the company’s reputation. Moreover, today you are in a position to give help. Tomorrow you might be the one needing help. So what you give is what you will get back. Therefore, a catastrophic situation is not one where you should become Mr. Scrooge.

The Crux

Commercial insurance or business insurance is the most critical aspect of being disaster-ready. If your policy gives you enough coverage to bear a massive loss, you have the guarantee that you can rebuild everything from scratch. Therefore, engage the services of a reputed independent insurance advisor like Continental Public Adjusters as we are the best people to ensure that all your bases are fully covered and even provide help during claims settlement.

8 Tips To Insure Your Commercial Property From Natural Disasters

Mon, 12 Jul 2021 05:01:00 GMT

People purchase insurance to protect their person and property from the financial effects of any injury or damage. To that effect, when it comes to commercial property insurance, several small things need to be considered. It is because you are now responsible for not just the well-being of the people on the premises but also the equipment and the actual physical structure of the building. Considering the scale of operations and the value of the commercial building, if there is damage due to a natural disaster , the chances are high that it will run into thousands of dollars. As a business owner, if you have covered your bases well and have adequate coverage, there is nothing to worry about.

As it happens, big enterprises are in a relatively better position to handle losses as compared to small businesses because of their numerous resources. Also, according to a FEMA report, a majority of small businesses are unable to recover from the loss incurred by a natural disaster. Therefore, the main concern remains how to make sure that you have thought of all eventualities?

Tips To Get The Right Insurance For Your Commercial Property From Natural Disasters

For any business owner, tangible property is a significant asset. Being prepared with appropriate insurance coverage is critical for your business. The only way to ensure that is by knowing which natural disaster can strike and its most likely period. So let’s get started:

1. Find Out What Natural Calamities Regularly Hit Your Area – If there is a weather phenomenon that frequently visits your state and may result in a calamity, you need to be aware of it. For example, if you live in a coastal area where hurricanes are regular, you must have hurricane insurance for your business. Investing in a commercial building and not protecting it against known dangers is a foolish mistake, especially when it is a natural calamity.

2. Earthquakes Can Hit Anywhere Anytime – One natural calamity that can strike anywhere and anytime is an Earthquake. Not everyone suffers a significant loss, but ask those who do, and they will have some harrowing tales to tell, especially in the business community. An earthquake can damage buildings and machines, and it can also hurt people. In short, the chances are pretty high that it may lead to disruption in production. How long the situation will persist will also depend on the overall loss suffered in the area. At times like these getting the people for repairs also becomes very difficult. Some even start taking advantage of the situation and charge well over the standard rate. Having an insurance policy that covers damage due to the earthquake along with loss of income will see you through even such challenging times.

3. Understand Important Insurance Terminology – If you want to understand insurance, you should be able to speak insurance, and by that, we mean insurance terminology. What insurance companies usually do is throw in big terms to distract you from what is important. What you need to understand are terms like “Premium” (what you’ll be paying for the coverage), “Deductible” (the amount that you have to pay from your pocket before the insurance comes into effect), and “Covered Loss” (incident or event that the insurance policy covers).

4. Get Multiple Quotes – Whenever you are purchasing a commercial property insurance cover, look at several insurance companies for quotes. The idea is to be well aware of the premium range and cover that you can get at that price. For all you may know, you might just find a commercial property insurance package that meets your needs on all fronts. At the end of the day, our advice is – look at the overall picture. Don’t get lured by low premiums. Low premiums may come at the cost of inadequate coverage, and that is one mistake you should avoid at all costs.

5. Understand In Complete Detail All Calamities That Are Covered – When considering different quotes, consider all they cover, including natural calamities. In some states, you have to buy special covers through the insurance pool, so understanding what precisely the policy covers is essential.

6. Look Into Insurance Bundles – Insurance companies don’t offer only one type of coverage. Typically, they have several products from which one can choose. It is always better to ask for insurance bundles. For example, a hurricane insurance bundle may cover flood insurance and liability coverage. Individual covers carry a high premium, soan insurance bundle will serve you better if you wish to save some money. In the end, it may also give you the best chance at protecting your commercial property.

7. Look At The Hidden Costs – When purchasing an insurance policy, you should ask as many questions as possible. We commit the gravest mistake by not questioning the insurance company’s representative, assuming it will make us look like a fool. This is where the insurance company gains the upper hand. Very conveniently, they will fail to mention the hidden costs and clauses that may limit or reduce your cover.

8. Look Into Tax Implications – Commercial property insurance is tax-deductible. You can save a lot of money if you properly investigate its tax implications. If necessary, take the help of somebody who knows the state’s tax laws and understands its connotations regarding insurance.

The Crux

Insuring commercial property is no easy matter. You want to do it right the very first time because, by the time you realize your mistake, it will be too late to rectify matters. When looking to insure your commercial property against natural disasters, you need to be aware of facts. Being vigilant about the contents of the policy will only be to your benefit.

If at any time the situation seems overwhelming or you feel it would be better if only somebody could guide you through the mire of innumerable decisions in purchasing the best commercial property insurance, hire a Florida public adjuster. Continental Public Adjusters is a renowned company that has successfully settled thousands of commercial property insurance claims. Our offices are located throughout Florida, so you can visit us anytime. You can also reach out to us at (800) 989-4769 .

The Most Common Commercial Property Insurance Claims

Mon, 05 Jul 2021 08:36:00 GMT

Commercial means that which is related to commerce or business. Hence, commercial property claims are nothing but claims related to the premise or physical structure from where the business is run. Commercial property insurance is typically more complex than a residential one. It is primarily because the premise itself is pretty expensive, add to it the cost of appliances and other devices installed or stored inside the building. Then come the people who work there. All in all, numerous things can go wrong and cause harm or damage to your business property. If statistics are to be believed, then almost all businesses file a claim of some sort or the other within the first ten years of their operation.

Exercise Caution While Purchasing Commercial Property Insurance

No entrepreneur can ever forecast correctly what accident will cause harm to their commercial property. As such, they need to cover all bases, leaving nothing to chance. One needs to be prepared to handle the financial implications of not just the loss of property but also the disruption of work. This is why commercial property insurance claims happen to be high-dollar value claims. Exercise caution while purchasing the policy, as you would not want any unpleasant surprises when a claim arises. If there is one guarantee in any business, it is sometimes somethings are bound to go wrong.

Most Common Commercial Property Insurance Claims

Now that we are onto the subject of claims, let us briefly look at some of the most common ones.

1. Theft And Break-in – There is always a risk of theft and burglary or break-in no matter which business you are involved in. It could be a disgruntled employee, an angry customer, a petty criminal, a random person under the influence of drugs or alcohol, or somebody just trying to have some fun. Although, the chances of such an occurrence in a run-down or out-of-the-way neighborhood are higher than in a place bustling with activity. Nevertheless, no place is ever completely safe. According to a survey, almost 20% of start-ups or small-scale businesses have filed for a claim in the last five years.

If you wish to alleviate the risk of theft in your business premises, it would be wise to invest in a state-of-the-art security system. The good news is that some insurance companies offer a lucrative discount on premium if you are already doing it.

2. Weather Damage – Wind, hail, storms, hurricanes, and tornadoes can all cause severe damage to commercial property. The subsequent water and freezing damage only add to the misery. Did you know that almost 25% of businesses that shut down due to damage caused by inclement weather never open up because either they failed to buy the proper coverage or because their insurance provider could not cover the massive loss?

If you run your business from an area where such occurrences are normal, it would be wise to make sure that your insurance company covers them. Otherwise, you may need to purchase additional coverage.

3. Fire Damage – In any commercial building, one of the biggest threats is that of fire. However, every entrepreneur takes reasonable precautions to prevent any fire breakouts. Additionally, they also take steps to ensure that it can be contained with minimum damage if such a thing still happens. Yet, everybody is not always lucky. It could so happen that when a fire breaks out, nobody is present inside the building to contain it, and it spreads. Even if the building is occupied, the danger posed by the fire is so prominent that it is imperative to vacate the premises immediately. At these times, the fire gets a free reign, and it causes immense damage. Therefore, fire claims are usually big value claims.

There is no particular reason for the fire. It could happen due to negligence, a short circuit, lightning, etc. Always keep in mind that fire has the potential to wreak havoc, and so you need ample insurance coverage to get back on your feet even with the setback. Do ensure that fire safety rules and regulations are being followed diligently, as a miss on your part may cause the insurance company to decline your claim.

4. Liability Claims – Accidents happen despite taking all the necessary precautions and sometimes because they lack them. Though rare, these claims can sometimes run into significantly prominent figures. For example, a client visits your premise where he slips and falls or trips over something. The injury caused as a result may need hospitalization and operation. As you are very well aware, medical expenses are high, and consequently, the dollar value attached to liability claims also runs high.

If you wish to keep these claims to a minimum, ensure that everything is kept in place, the walk area is free of obstructions, and all equipment, appliances, and fixtures are adequately secured.

5. Non-Theft Damage – Lastly are those claims that arise due to no fault of yours. For example, a car comes and crashes into your building, ball sails through the large glass window and smashes it, or a tree falls through the roof, etc. A variety of things could happen, and as a business owner, you need to cater to these losses as well. Thankfully such claims are not frequent and also carry a lower price tag.

At your end, all you can do to contain such damage is place roadblocks around the premises such that it does not interfere with the regular traffic and yet keeps your building separate. Use tough fiberglass for windows and such. Your insurance company can suggest several improvements due to the sheer variety of such claims they handle.

Bottomline

No entrepreneur will ever wish for anything wrong to happen on and to their commercial building. Nevertheless, one cannot control everything. Sometimes an untoward incident will happen, which may raise the need for filing a claim. As a business owner, you need to see that the commercial property insurance coverage you buy is sufficient to bear the burden of these incidents and accidents. Safety upgrades will go a long way in containing the resultant damage, but they may not necessarily give you a discount on premiums. Hence, check with your insurance company before investing heavily into such upgrades.

If you need any help in filing a claim or wish to discuss in detail the commercial property insurance coverage that you have or wish to buy, contact the experts at Continental Public Adjusters . We shall be glad to be of assistance.

How To File Your Smoke Damage Insurance Claims?

Mon, 28 Jun 2021 06:22:00 GMT

Fire is not the only hazard that homeowners and business owners need to be concerned about. Smoke, too, can damage your property. Thankfully, most homeowners insurance policies cover this peril. Although to be sure, it would be wise to ask your insurance company this question outright when purchasing the policy. Today, we shall concentrate our efforts on learning how to file smoke damage insurance claims successfully.

Identifying Smoke Damage

First of all, you need to be able to discern between damage caused by fire and that caused by smoke. Unlike fire damage which leaves everything charred, smoke damage doesn’t need to be visible to the naked eye. Yet, it can still have devastating effects. Some easiest signs of smoke damage are:

1. A smoky smell emanating from clothes, upholstery, furniture, etc., even hours after the fire is put out.
2. Discoloration of the paint on countertops. It becomes yellowish.
3. Soot or ash deposits on the walls, floor, furnishings, etc.

Cleaning out the smoke and ash together with replacing or repainting the countertops along with the walls will cost dearly. The good news is that if your insurance policy covers smoke damage, you don’t have to worry about this extra expenditure.

Successfully Filing Your Smoke Damage Insurance Claims

When there is smoke damage to your property, you need to work in sync with your insurance company. Other than keeping that significant bit in mind, here’s how you should proceed:

1. Call Your Insurance Company – No, we don’t mean that instead of running out when there’s a fire or smoke-filled inside your house, you should run for your mobile or landline to talk to the insurance agent. Save yourself first, and take steps to minimize the damage. Once you have done that, it’s time to call the insurance company directly or the agent or representative thereof and verbally inform them of the damage incurred by your property. Do keep in mind a delay in informing the insurer may lead to delays and complications in the final claim settlement.

2. Take Photos And Videos Of Damage – There is no need to drag the damaged stuff outside to take its pic or make a video. The important thing is to let each thing be where it was when the damage occurred and document the loss in the form of short videos and pics. Do not move anything. It could make matters worse and also destroy critical evidence. When filing the claim, these pics and videos are to be attached as proof of loss.

3. Document Everything – Documenting the loss does not mean taking pictures of the physical damage. It entails much more than that. You need to record:

1. The date of loss.
2. The type of damage, i.e., water, fire, smoke, or all three.
3. The location where the damage occurred. You may have more than one property, so it is best to be specific.
4. Property owner’s complete contact information.
5. If you are not the property owner, then your complete contact details as well.
6. A copy of the police report.
7. A written list of all the damaged items, including the physical structure of the building.

The list above is not exhaustive. It is only indicative, and you may need to supplement it with other information as well. While documenting the loss, it is best to speak to the insurance company and know beforehand all the data you need to collect. This way, it will be highly unlikely that any important detail is missed or overlooked.

4. Review Your Homeowners Insurance Policy – Ideally, you should be well-versed with the contents of your homeowner’s insurance policy well before the damage occurs. Nevertheless, it’s never too late to know about it. At the time of filing the claim, you should understand the policy completely. This knowledge will clearly tell you what is covered, whether there is a deductible, its limitations and exclusions, and whether there are any deadlines while filing the claim. If you are not clear about the coverage, you can contact the insurance company for clarification. The other option is to hire an independent insurance contractor like a public claims adjuster who can also help you gain a better insight.

5. For Assessment And Estimates Call A Professional Smoke Damage Removal Firm – There are cleaning services that excel in removing the signs of smoke damage, and then there are the self-proclaimed cleaners. Remember, the insurance company will only pay heed to the professionals since they are trained to tackle such work. Therefore, it is best to start with them at the very beginning. When you file a smoke damage insurance claim, you will also have to submit a copy of repair estimates. Hiring a professional smoke damage removal company will increase your chances of getting the best possible payout.

6. When In Any Doubt Engage A Public Claims Adjuster – If you have any doubts about successfully filing the smoke damage insurance claim or finishing the formalities well in time, it is better to engage the services of a reputed public claims adjuster. The public adjuster works for you and not the insurance company. He or she understands your policy to the minutest details. They know all the paperwork and formalities that need to be completed. In addition, they also do all the leg work for gathering quotes and estimates, setting up appointments, and attending the meetings. With them batting for you, you have nothing to worry about. The hard part is all handled by them.

Closing Notes

Working with the insurance company while filing the smoke damage insurance claim will hasten the claim settlement process. Ask them about all the forms you need to fill and the documents to be attached and proceed as they recommend.

Claim filing is a tedious process, one which is also frustrating and sometimes lengthy. If you don’t wish to burden yourself with the additional running around, look no further than Continental Public Adjusters . We are a company with an excellent track record in settling numerous commercial and residential property claims throughout the state of Florida. You can reach out to us at (800) 989-4769 .

When To Make A Water Leak Homeowners Insurance Claim?

Mon, 21 Jun 2021 05:29:00 GMT

Water damage or damage to property due to a water leak is a widespread claim filed under the homeowner’s insurance coverage. In frequency, water damage claims are the second largest and affect 1 in 50 homes annually. Several reasons are responsible for such claims, like faulty plumbing , frozen pipes, and storm damage. Since these claims arise regularly, policyholders usually have many questions. Therefore, this article aims to answer as many of those as possible.

Types Of Water Damage That Are Covered

Though the homeowner’s insurance policy will cover most water leak damages, there are some exceptions. To avoid any confusion, let us have a glimpse at all types of water damages that are fully covered.

1. Unexpected or unintended water discharge.
2. Water damage caused by a storm.
3. Accidental occurrence of sewer overflow or backup (you might need an endorsement).
4. Water damage caused by flood (if you have purchased additional flood insurance).

As is clear from above, only accidental or unintentional water leaks are covered. Even then, under a few scenarios like floods, you may first have to buy additional coverage. Damage caused by water which is gradual and happens over a period of time, will not be covered by the insurance policy.

Coverage For Allied Damages

Let us take an example. There was a pipe burst in your kitchen that flooded your living room and damaged the wooden floor. If your homeowner’s insurance policy has a provision for covering allied damages, in that case, the cost of repairing the damaged portion of the floor will be covered, and you will be compensated for it by the insurance company.

The important thing here is to ensure that your policy covers allied damages. Not all homeowner’s insurance policies cover the resulting damage. So, if there is no such provision, the repair bill will come from your pocket.

Water Damages That Homeowner’s Insurance Policy Doesn’t Cover

The only type of damage that is not covered is gradual water damage. These kinds of damages occur due to regular wear and tear and hence, are not covered. With the passage of time, deterioration of pipes and plumbing is a normal occurrence. The presumption is that it is the homeowner’s responsibility to take care of such known harm. The insurance company is not taking the onus of financing them.

In cases of gradual damage, there are a few widespread scenarios, but still are not covered by insurance, for example:

1. Cracked Or Broken Pipes – Pipes that develop cracks, holes, or simply break because of corrosion or wear and tear will not be a part of the coverage.

2. Rotting And Mold – Corrosion, mold, and rotting resulting from a water leak are also not a part of the coverage.

3. Damage Due To Lack Of Maintenance – Say there is a leaky faucet, and you fail to repair it. It leads to further damage, which is quite extensive. Such harm that occurs because of overlooking maintenance will not be covered.

4. Seepage In Foundation – If there is a crack in your home’s foundation from where the water gets in, the policy will not cover the resultant damage repairs.

5. Damage To The Roof – A portion of the roof collapsed due to a fallen tree. It lets water indoors and causes harm to your property. The policy will cover the roof repairs, but not the resulting damage like mold unless you have a special provision for it.

The Reason For Denying Coverage

There are times when your claim under the homeowner’s insurance policy will get denied. No surprises in that. One of the prime reasons for doing so is that the damage was gradual. As we mentioned above, gradual damages are not covered.

What you consider sudden damage is not necessarily so. It may have been in the building for quite some time, but you happened to take notice of it only when the damage occurred. As it happens when you file a claim, it is independently investigated by the insurance company to validate its authenticity. It is during such assessment, gradual degradation or deterioration occurrences come to light, and the claim gets denied.

In addition, for some losses, you need to have an endorsement or purchase additional coverage. It is best to understand your policy in detail with either the representative of the insurance company, an independent insurance professional, a public claims adjuster , or a consumer advocacy organization. They can help you gain a full understanding of what is covered and what is not.

Filing Successful Water Leak Insurance Claim

If you want to increase the chances of filing a successful water leak insurance claim, here are a few tips that will come in handy.

1. Take photos and videos of the primary as well as ancillary damage, and document it.
2. Take steps to prevent further damage. If necessary, minor repairs can be carried out without the insurer’s approval.
3. Engage the services of an independent claim assessor to figure out the exact value of the damage and repair costs.
4. Ensure annual maintenance of your home and be sure to keep the repair and maintenance receipts safe. In the event of a claim, these receipts will go a long way in proving that you have been taking good care of your assets.

Wrapping Up

Homeowner’s insurance policies cover only sudden and accidental damages. Gradual damages are not covered. Though in some cases, it may still be covered, however for that, you need to review the policy wordings. The resulting damage may or may not be covered. Again it greatly depends on the additional coverages you may have purchased to supplement the homeowner’s insurance policy.

To get the odds in your favor while filing a water damage claim, ensure that you document all the losses, take pictures, make videos and attach them with your claim.

If your insured property has suffered water damage and you need help filing a claim, the professionals at Continental Public Adjusters can help. We are in the claim settlement business since 1981 and have hordes of success stories to share with you. To book an appointment, call us at (800) 989-4769 .

10-Step Guide to Get the Most Out of a Disaster Claim

Mon, 14 Jun 2021 06:44:00 GMT

The policyholder should know two main things when it comes to any claim settlement process – First, the contents of their insurance policy, and second, what to do when. Armed with this knowledge, you are on the right path to get the most out of your disaster claim . To supplement your information, here is a 10-step guide that will lead you to a successful claim settlement.

10-Step Guide to Get the Most Out of a Disaster Claim

Step 1 – Call Your Insurance Company Immediately – A common mistake committed by most policyholders is that they fail to intimate the occurrence to their insurance company immediately. Calling the insurer covers three main requirements:

1. Clarifies what you will be compensated for.
2.Clearly tells the deductible amount.
3. Informs whether the policy covers your peril or not.

Sometimes, it is mentioned in the policy itself that the insurance company shall be intimated of the loss immediately or as soon as possible. Failing to do so will make you a defaulter, and the insurance company can take advantage of this little detail to deny your claim.

Step 2 – Immediate Steps To Take When The Damage Happens – You immediately informed the insurance company of the damage, but that is not all you have to do. You need to bear other responsibilities as well, namely:

1. Take steps to prevent more damage to property if possible.
2. Salvage whatever you can from the loss.
3. Make a video or photograph (preferably both) of all things damaged to prove loss.
4. Do not throw away anything, even if it is a total write-off, as the insurance company has every right to inspect it.
5. If you are forced to vacate your property, keep all bills of the hotel stay, food bills, clothes, and other necessities you had to purchase, safe.
6. Do not immediately start on any repairs other than what is urgent to prevent more property damage.

Step 3 – Reimbursement For Living Expenses If Forced To Move – If your policy covers the loss and your home is rendered uninhabitable, the insurer will pay the living expenses incurred during this time. Even if you stay at home but are forced to eat outside, the insurer will cover those expenses. Although there will be a limit up to which the insurance company will bear these expenses. Anything beyond that will come from your pockets. So one can’t afford to be extravagant. A typical homeowners insurance policy will cover expenses for:

1. Renting accommodation.
2. Eating out.
3. Installing temporary communication lines.
4. Transportation costs.

Step 4 – Understand The Importance Of Insurance Adjuster – When you inform the insurance company of the loss, they assign you an insurance adjuster. This person is now your direct link to the insurer. The adjuster will inspect the damage and determine the scope of repairs. The agent or broker employed by you will not have any direct say in the final claim settlement. Only the adjuster will. Therefore, you must review the following things with the adjuster:

1. The allowance for Additional Living Expenses.
2. The deductible amount and whether you qualify for a deductible waiver.
3. If the situation calls for then the storage of your possessions.
4. Expenses for removal of debris.
5. The inventory of all damages.
6. Gain clarity on the claim procedure and timeframes.

Step 5 – Inventory Of Loss And Its Proof – Apart from property damage, other things may have come in harm’s way, namely personal belongings and contents of your home. Make a complete list of all items damaged along with their pics. Attach bills of purchase if handy. Documenting everything will make it easy for you to file your claim. The list must be prepared in this manner:

1. Item name.
2. Age of the item (how old it was).
3. Its location.
4. Cost of purchase with the bill if possible.
5. Photograph of the damage.
6. Condition of the item before the damage.
7. Cost of repair or replacement product.

Step 6 – Bylaws And Contractor Costs – You need to know your damaged property’s full and final reconstruction cost, including the amount the insurer will pay. The rest will come from your pocket. If some community bylaw requires the new portion to be built to a specific code and your insurance company does not cover it, then chances are you will have to pay at your end. Also, the insurance company will have to first approve the rebuild cost before you can give a green signal to the reconstruction project.

Step 7 – Know The Policy Limitations – There are several limitation clauses in a homeowners insurance policy. These clauses limit the damaged items’ cost and also put a ceiling on the property repair costs. Hence, instead of getting paid in full for a big loss, you get paid to the limit.

Step 8 – Determining How Much Money You Get – Claims are usually paid on one of the following three bases:

1. Actual Cash Value (ACV) – Herein, you get the depreciated value of the lost item. Since it does not allow for replacement, this option is considered especially treacherous if there is a disaster claim.

2. Replacement Cost – Herein, you can replace those items which are not yet obsolete. You get half the amount first to buy the replacement, and once you show the proof that the item has been replaced, you get the remaining half. If you decide not to replace the damaged item, you get its ACV.

3. Replacement Cost with Cash Out Option – In this type of payout, you get the total value upfront, and there is no obligation to replace the item.

Step 9 – Will Deductible Play A Role In A Disaster Claim – A disaster claim is different from a normal claim, so the same rules may not necessarily apply. It is to your advantage to find out whether the deductible will apply during a disaster. If the loss is too big, the insurance company may do away with its need. Getting this critical piece of information will save you a lot of money. In fact, if you secure both your home and car from the same insurer, you may take advantage of a single deductible if your insurance company has a provision for it.

Step 10 – Cooperation And Open Communication Important For Quick Claim Settlement – Those claims wherein both parties cooperate and keep their lines of communication open are settled quickly. If necessary, you can engage the services of a Public Adjuster to complete all the formalities and leg work. The quicker they get done, the swifter you get paid.

Closing Notes

If you have carefully read through our guide, you will realize that it is necessary to keep the insurance company in the loop for all happenings and to have complete clarity on the contents of your policy. If you fulfill both these requirements, there is no way you can get cheated. To get your money’s worth best is to hire the services of Continental Public Adjusters . We are a reputed firm that works for you and with you during the complete claims settlement process making it an effortless journey

5 Things You Need to Know About Wind Damage Insurance Claims

Mon, 07 Jun 2021 05:53:00 GMT

Winds can indeed wreak havoc on property. Strong winds will uproot trees, which might fall on a portion of the house, or blow away the roof or part thereof. No matter what happens, the damage, in either case, is extensive, and you will need every penny of the claim to keep your financial situation sane.

Wind damage claims need careful handling due to their tricky nature. There are five critical points which if you understand completely, will make things much more manageable. Hence, today, we aim to educate you about these critical points.

5 Things to Know About Wind Damage Insurance Claims

1. Homeowner’s Insurance Policy Mostly Covers Wind Damage – A typical homeowner’s insurance policy will cover wind damage. Nonetheless, it is always better to verify this little detail. Usually, what the insurance policy doesn’t cover is damage due to earthquakes and floods. Hence, it is always better to be sure of things and confirm them upfront instead of making any assumptions.

Sometimes having wind damage coverage also seems insufficient. For example, if there’s a storm that results in strong winds and floods, determining what exactly caused the property damage becomes challenging. For times like these, having a Public Adjuster batting for you will always be to your advantage.

2. The Insurance Company Is Obligated To Repair Or Replace The Roof Subject To Whatever Costs Less – When the roof of your property gets damaged due to wind, the insurance company is obligated by law to repair or replace the damaged portion. The key here is to remember that the insurance company will only pay you for whatever option is cheaper. Nevertheless, you can still run into issues. For example, if you were thinking of replacing your entire roof from the claim compensation, that will not happen. Your claim will only be for the damaged portion.

Another issue that arises is the shingles may have become discolored with age, and adding new ones will result in cosmetic improvements, which might not sit well with the insurance company. A Public Adjuster will assist you in getting compensation from the insurance company that caters to both cosmetic and repair value.

The only time complete roof replacement can be expected is only when the present roof is at the end of its life. So you pay for the undamaged portion from your pocket, and the insurance company pays for the damaged part.

3. The Danger From Anti-Concurrent Causation Clause – It is possible for two disasters to strike simultaneously. When that happens, the anti-concurrent causation clause may give you a setback. According to the clause, in the case of simultaneously occurring disasters, the homeowner will only be covered for one by the insurance policy. In essence, it means the policyholder can claim damages only against one disaster or catastrophe.

For example, suppose the wind blows away your roof and the overflowing bayou floods your home. In that case, the insurance company may choose to compensate you only for wind damage as you had not purchased any protection against flood.

When purchasing a homeowner’s insurance, keep this small tidbit of information in mind. If you live in a low-lying area, it will be better to buy protection against floods along with the wind. Covering all your bases will only make things easier in the future when the claim arises.

4. Windstorm Damage Is Not A Standard Policy Inclusion – In most American states, protection from wind damage is a standard part of the homeowner’s insurance policy, and so you don’t have to pay anything extra for it. But in those regions of the state frequented with high winds, the insurers charge a little more to cover wind damages.

In Florida, the government mandate is that all homeowner’s insurance policies must cover hurricane wind damage. Nevertheless, there are some high-risk areas where the same protection needs to be purchased through Citizens Property Insurance Corporation. Similarly, in some states, there is no cover at all for damage caused by winds. An example is Texas. In Texas, if you wish to protect your property from wind damage, you will have to purchase the said protection from a special pool called the Texas Windstorm Insurance Association.

The point here is if you reside in the hurricane-prone area of Texas or Florida, it would be better to revisit your residential insurance policy to understand your coverage for windstorm and hurricane damages fully.

5. Bank On Reputable And Experienced Local contractors For Repairs – There is a term for contractors who warm towards the areas with wind damage to cash in on the opportunity. They are called “Storm Chasers” or “Storm Chasing Contractors.” The problem with these contractors is that they are outsiders with no proper contacts in the area. At best, you can rely on them for substandard service.

Always choose to work with a reputable and experienced local contractor for getting estimates and physical repairs. With deep contacts and having full-scale knowledge of all possibilities, they are your best shot at getting correct estimates and top-notch service.

Rounding Up

Clearly, one thing that is of utmost importance is understanding the insurance policy. Do not ever make assumptions, as it may lead to a rude awakening. Instead, ask as many questions as possible before purchasing the insurance. No question is foolish, and the insurance agent should answer them to your satisfaction. The idea is to ensure that you are covering all possibilities, leaving nothing to chance. You can also hire a Florida Public Adjuster to help gain proper insight about what you are purchasing or have already purchased in the name of a Homeowner’s Insurance Policy. This knowledge goes a long way when a claim arises.

Residents of Florida can get in touch with Continental Public Adjusters for claim assistance and also understand the terms of their residential insurance policy. We are a reputable company with a successful track record in claim settlements. Our aim is to get you the settlement you deserve. To help you would be our pleasure.

When To Hire A Public Adjuster?

Mon, 31 May 2021 06:40:00 GMT

Unfortunate events can befall anyone anytime. At such times, your saving grace is the insurance policy purchased, keeping in mind such an occurrence. All you have to do now is file your claim. When it comes to filing claims, there are those who think hiring a public adjuster is a waste of money, and then there are those who think they are a godsend to their own ideology.

Who Is A Public Adjuster?

A Public Adjuster is the person who evaluates the damage to the property on behalf of the policyholder, files the claim, and takes charge throughout the subsequent proceedings until the claim is fully settled. It means the homeowner secures the Public Adjuster’s services in exchange for a fee (a fixed percentage of the claim settlement amount) and not the insurance company. To be exact, the Public Adjuster works for the public, which could be an individual or a business.

Public Adjuster Vs. Insurance Adjuster

1. A Public Adjuster works for the policyholder. Conversely, an Insurance Adjuster works for the insurance company.
2. A Public Adjuster is pro policyholder while the loyalties of an Insurance Adjuster lay with the insurance company.
3. A Public Adjuster will make the claim settlement process smooth and easy for the policyholder. The Insurance Adjuster will try to complicate matters so that the insurance company can get away by paying as little as possible.

The Work Of A Public Adjuster

Before we deal with when to hire a Public Adjuster, let us take a few minutes to understand their work. Many people don’t even know about Public Adjusters. They erroneously think that the Insurance Adjuster (employee of the insurance company) is working on their behalf.

If you want somebody to look after your interests and handle the claim settlement from beginning to end on your behalf, the person you need is the Public Adjuster. As a homeowner, you employ his services for a predetermined percentage of the final claim settlement. After that, all you need to do is sit back and wait for him to work the magic. A Public Adjuster will help you in many ways like:

1. Document the damage to property and file the claim.
2. Do a proper damage assessment and gather estimates.
3. Fill all the forms and supply all the supporting information, including the Proof of Loss.
4. Schedule the meetings with the people involved and attend them on your behalf.
5. Ensure that the insurance company does not try to take any undue advantage.
6. Get you the highest possible settlement possible under the circumstances.

When To Hire A Public Adjuster

Now let us address the elephant in the room, which is “When to Hire a Public Adjuster”? There are some situations where hiring a Public Adjuster is to your best advantage. Let us briefly have a look at these circumstances.

1. If You Are Too Busy To Deal With The Insurance Company – Some of us lead hectic lives leaving very little time for dealing with things. When it comes to filing a claim and getting the settlement, there are many formalities involved. At times, you may even have run back and forth trying to fill the forms correctly or getting the estimates. The point is, at the very beginning, you know whether you have the time and capacity to do all the running around and getting frustrated. If you know for sure it’s not your cup of tea, let the Public Adjuster take charge and handle matters.

2. The Forms Are Too Confusing – Like all good intentions, you may decide to do all the work yourself and file the claim. Yet when you start filling the forms, you realize your lack of knowledge. It means you inadvertently make mistakes and land up filling the same forms again and again. With Public Adjusters’ help, you can file the claim correctly with all the supplemental information in the very first go.0

3. If The Insurance Policy Makes No Sense To You – There are many clauses in an insurance policy with legal jargon thrown in abundance. Most people will find it challenging to understand the coverage and the terms of the policy. The insurance company is well aware of this fact and tries to make you run circles or leave you feeling uncertain. At this time, only a Public Adjuster can come to your rescue. If you don’t want to hire them for the leg work, you can still use their services to gain clarity on your policy.

4. The Damage To Property Is Extensive – Almost every insurance company tries to pay as little as possible in claims. If the damage to your property is extensive, you cannot take any chances. What you need is the highest possible settlement so that you don’t suffer a financial setback. A Public Adjuster will always try to get you top dollar for the loss you have suffered. They are in it to get you the highest payout. After all, the bigger your settlement, the higher their fee.

5. The Insurance Company Is Delaying Your Claim – The delaying tactic employed by the insurance company is not a new practice. They do so to make you so frustrated that you are thankful for any settlement, no matter how insubstantial it is. Another more genuine reason behind the delay could be that the occurrence was a catastrophe and led to thousands of claims, one of which is yours. A Public Adjuster will ensure that the insurance company employs fair practices and your claim does not get buried in the pile.

Wrapping It Up

One can hire a Public Adjuster at any time, at the very beginning, as soon as the damage happens, or anywhere in between before the claim settlement. It’s also common to get confused between hiring a Public Adjuster or an attorney to approach the insurance company on one’s behalf. Though both have their own benefits, we recommend hiring a Public Adjuster if it’s a claim. If the claim gets denied or some legal situation arises from it, only then, hire an attorney.

If you are looking for a reputable Public Adjuster, one you can put your faith in, your answer is Continental Public Adjusters . With our offices throughout Florida, we will be glad to assist you in your claim settlement journey.

Seven Tips on Making a Property Insurance Claim

Mon, 24 May 2021 04:57:00 GMT

When you make a property insurance claim , there are a number of issues that you need to consider. In this article, we are going to discuss seven tips to help in that process.

1. Contact Your Insurance Company Immediately

This does not mean call the insurance agent who sold you the homeowner’s policy you are now filing a claim for. The agent you bought your policy through is more likely to be versed in sales than the intricacies of filing and managing a claim for damages. Keep a copy of your homeowner’s insurance policy handy and call the contact number in the policy.

Some insurance companies require that you contact them within a certain timeframe after the damage to your property occurs. Do not delay. In addition to increasing the time you spend with damage to your home, your claim might be denied because you didn’t follow your policy’s guidance.

The sooner you get your claim started, the sooner you can get back to normal.

2. Document Everything That Was Damaged

This means you should take pictures of everything in the state it was after the loss. It is imperative that you record all the damage because it could take a few days for your insurance adjuster to come and inspect your property, particularly if your home was damaged in a weather event that affected many other people too.

This is especially important if your policy requires that you take action to mitigate further damage. If you need to put a tarp over the hole in your roof, but you need to clear debris away to do so, you need to have evidence of where the debris was before you moved it to secure your property against further damage. If your pipes burst and you need to shut off the water main to keep further water damage from occurring, you need evidence of how much water initially leaked from the damaged piping.

If you don’t take the pictures beforehand, your insurance company has no way of knowing what the state of your home was before you started mitigating ongoing damage, and they might deny parts of your claim because of it.

3. Don’t Start Any Repairs Until You Talk to Your Insurance Company

Your insurer has to approve repairs before you start them in order to make sure you get reimbursed for what you spend. Insurance claim adjusters in Florida are particularly familiar with the difference between water damage and flood damage. One is covered by your standard policy and the other is not. If you enlist a contractor to start repairs on flood damage, you will be paying out of pocket for that.

Furthermore, you need to understand the cost of your damages before you can hire contractors to do any work. Your insurance company will have a cap that they pay for different kinds of damage, and you will have to pay a deductible before they reimburse you.

4. Understand the Kind of Damage You Have

Work with your insurer to know what kind of damage there is to your property and what it will take to repair it. Insurance claim adjusters in Florida deal with storm damage on a regular basis due to hurricanes, and they can help you understand what kind of claim you will be filing, including water, wind, structural and more.

5. Be Present for the Process

Make sure you are there when the insurance adjuster is making their assessment, or you hire a public adjuster to be present when they arrive and make sure they see the full extent of the damage to your home, including water damage to the interior drywall. Make note of any disagreement you have with the insurance adjuster, and notify your insurance company immediately if you do not feel the adjuster they sent is knowledgeable, competent, or otherwise qualified to make a report, but do so immediately.

6. Be Wary of Shady Contracts

Don’t sign any contract for repairs if it is the first one you see. Make sure to get second opinions, especially if your insurance company is the one sending the contractor. Sometimes there is a benefit to using a contractor that is sent by your insurer: usually they have vetted them to make sure they do good work, however, there is a limitation on what they can make if they are being paid a fixed rate by your insurance company and they may not do their best work. Unless you are required to use a contractor through your insurance company, always shop around for a contractor you are comfortable with in a price range that is in your budget.

7. Ask for Undisputed Money Upfront

Ask your insurance company to give you the money upfront for anything that is not under dispute, particularly if your home is unlivable and you will need additional living expenses while the claims and repair process is going on. Insurance claim adjusters in Florida are used to these requests from people who cannot occupy a home that was mostly destroyed by wind damage from a hurricane.

Unlock the Benefits of Continental Public Adjusters

At Continental Public Adjusters, we take immense pride in serving the entire state of Florida when it comes to managing property claims. Our wealth of experience is available to ensure you get the most out of your insurance policy.

Whether you're grappling with a recent property claim or facing the distressing scenarios of denied, delayed, or underpaid claims, an experienced public adjuster is your indispensable ally.

Here's how Continental Public Adjusters can be your champion in five crucial ways:

Your Advocate : Our singular focus is to ensure that you receive the maximum compensation for your loss.

Comprehensive Analysis : We leave no stone unturned in our investigation to understand the specifics of your loss. Our team of experts and consultants diligently assess the true value of your property loss.

Precise Estimation : Leveraging state-of-the-art cost estimating software, we meticulously prepare supporting documentation, which we promptly provide to your insurance carrier.

Expert Negotiation : We deftly handle your claim and engage in negotiations with your insurance company's adjuster, all aimed at securing a settlement that aligns with your best interests and earns your approval.

Maximizing Benefits : With the wisdom gained from settling thousands of claims, we have the foresight to anticipate potential issues and obstacles in the claims process. Our relentless dedication is geared towards ensuring you reap the maximum benefits you rightfully deserve.

Embark on your journey with us through a complimentary consultation with one of our skilled team members. Boasting 38 years of invaluable experience in successfully resolving countless claims related to personal and commercial properties in Florida, Continental Public Adjusters, Inc. is your trusted ally.

Connect with us today at (800) 989-4769 or send us an email at info@contpa.com to initiate your FREE claim review. Your satisfaction and peace of mind remain our top priorities.

What Happened with Insurance Claims in Texas Because of the Massive Power Outage?

Mon, 17 May 2021 05:26:00 GMT

The freezing temperatures and power outages in the State of Texas caused unprecedented conditions and an estimated cost of almost 20 billion dollars in damages. The losses caused by this disaster are not novel, but the fact that they affected an entire State put a strain on the system of insurance adjusters and providers. Let’s take a look at some of the specific damages that were caused, and how massive losses should be handled by the property owner.

Frozen Pipes

The loss of power combined with a massive weather event caused widespread chilling temperatures that resulted in the pipes in many homes and businesses freezing. This is likely to be the most common type of damage-causing homeowners and business owners to file a claim, because the resulting water damage from pipes that froze and burst, then began leaking when the thaw happened.

A public adjuster for insurance in Florida is unlikely to ever deal with a claim related to frozen pipes, but they are experts on the kind of damage that happens in their area and can help homeowners through the difficult process of filing an insurance claim after a loss.

Structural Damage

While a homeowner could certainly suffer extensive structural damage to their property from leaking pipes, the majority of structural damage claims will be from businesses. Water is heavy, a gallon of water weighs eight pounds, and businesses have plumbing that deals with

thousands of gallons per day.

Once the frozen water thaws, roof collapses, broken and leaking foundations and malfunctioning sprinkler systems will be responsible for a large portion of the insurance claims from business owners.

Water Damage

The good news for homeowners in Texas is that the water damage from this weather event will not be considered flooding like the damage from Hurricane Harvey, and most property insurance policies will cover the cost of repairing this water damage. In fact, the majority of claims will probably be related to water damage from the frozen and compromised infrastructure and loss of perishable food from the power outages that affected the whole state of Texas.

Policy Language

Regardless of the source and type of damage, the most important thing to consider when filing a claim to recover from a disaster is the specific wording of the insurance policy. A public adjuster for insurance in Florida will be intimately familiar with the types of water damage covered because of the prevalence of hurricanes.

The damage caused by the massive Texas weather event and power outage may be affected by policies that require home and business owners to take mitigating actions during the disaster itself. For example, if someone did not shut off the water intake valve, the insurance company could deny their claim for water damage after the fact because they should have known to shut the water off when the pipes were freezing.

At the same time, punishing someone for forgetting to shut off their water intake in the middle of a crisis where they are trying to get their family to safety could be argued against by an experienced public adjuster, especially once they have made a full report of the loss.

Immediately After the Crisis

Regardless of the type of disaster, it is the responsibility of the home or business owner to secure the property against further damage. After authorities issued an “all clear” for people to return to their properties, homeowners should shut off their water valves and check all electrical appliances.

This is important for two reasons: water and electricity don’t mix, and if any electrical appliances have exposed wires, or any stove knobs are turned to an “on” position, they could easily start an avoidable fire. Not only would the fire cause more damage to the property, but the insurance company is likely to deny a claim for such damage because it was preventable on the part of the property owner.

Repair, and Return to Normal

For as long as there have been crises, there have been unscrupulous individuals who take advantage of the victims of crises. Document everything related to your loss with pictures and video if possible and save all communication with your insurance company.

Wait to make any repairs until your insurance company has evaluated your property. They will have procedures you have to follow, and limits as to what they will reimburse you for. Be careful when evaluating contractors too, and don’t pay anyone a large sum of money upfront because they tell you they will return your home to perfect condition in record time. Remember, your insurance company will pay to repair the damage from a catastrophe, not to fix a shoddy job by a cut-rate contractor.

The Superior Choice: Continental Public Adjusters

When it comes to managing property claims in the diverse landscape of Florida, Continental Public Adjusters proudly stands as your reliable partner. Our seasoned team is well-equipped to help you maximize your insurance policy benefits.

Whether you're faced with a new property claim or dealing with the distress of a denied, delayed, or underpaid claim, an experienced public adjuster becomes your essential advocate.

Here are five compelling reasons to entrust your needs to Continental Public Adjusters:

Your Trusted Advocate: Our unwavering commitment is to secure the highest possible compensation for your loss.
In-Depth Analysis: We conduct a meticulous investigation to understand the specifics of your loss. Our team of experts and consultants work tirelessly to ascertain the true value of your property loss.
Precision Estimation: Using state-of-the-art cost estimating software, we meticulously prepare comprehensive supporting documentation and promptly submit it to your insurance provider.
Expert Negotiation: We skillfully manage your claim and negotiate with your insurance company's adjuster to achieve a settlement that aligns with your best interests and gains your approval.
Maximizing Your Benefits: With the wealth of knowledge from settling thousands of claims, we can anticipate potential issues and obstacles in the claims process. Our relentless dedication ensures you receive the maximum benefits you rightly deserve.

Your journey begins with a free consultation with one of our experienced team members. With 38 years of invaluable experience in successfully resolving numerous claims related to both personal and commercial properties in Florida, Continental Public Adjusters, Inc. is your trusted partner.

Contact us today at (800) 989-476 or email us at info@contpa.com to initiate your FREE claim review. Your satisfaction and peace of mind are our utmost priorities.

Seven FAQs About Public Adjusters

Mon, 10 May 2021 05:28:00 GMT

Maybe you’ve heard about hiring a public adjuster to help with the process of filing your insurance claim, but you don’t know where to start. That is where we come in. In this article, we are going to go over seven frequently asked questions about public adjusters and how it can benefit you to hire one.

What is a Public Adjuster?

A public adjuster is a professional who helps policyholders (home and business owners) through the process of filing an insurance claim after they have suffered a loss. There are three types of adjusters that are licensed by the state of Florida:

1. Insurance Company Adjuster – This is the insurance adjuster employed by the insurance company who represents their interests in handling your claim.
2. Independent Adjuste r – This is someone who is hired by the insurance company to represent them while working through your claim. Their responsibility, like that of the Insurance Company Adjuster, is to prioritize the interests of the Insurance Company.
3. Public Adjuster – This is the only type of insurance adjuster licensed in Florida whose responsibility is to protect your interests and not the insurance company during the process of a claim.

Why Should You Hire a Public Adjuster?

Chances are, you have not had to file very many insurance claims in your life, especially not for a catastrophe involving your home. When you are dealing with the aftermath of damage to your home, the last thing you need to do is try and figure out how everything has to be documented and submitted to deal with your insurance company.

It is up to you to prove the value and extent of the loss you suffered to get reimbursed by your insurance company. A public adjuster can evaluate the site of the loss and find things you wouldn’t have thought to include in your claim that increases your payout, and they can make sure you satisfy all of the conditions of your policy in order to recover damages.

Even if you are the world’s most organized person and you have your loss thoroughly documented, the back and forth with your insurance company is a tedious process. A public adjuster will handle it for you.

Is a Public Adjuster Part of an Insurance Company?

No, as the name implies, a public adjuster works on the insurance claims on behalf of the insured public , they do not work for the insurance companies. However, many public adjusters were once insurance adjusters for the providers.

Can I Prepare My Claim on My Own?

You absolutely can, but you have to be prepared to fully and thoroughly document your loss, try to understand the terms of the policy you have with your insurance company, and follow up with the insurance agent.

You should consider hiring a public adjuster particularly if your claim is over ten thousand dollars, and damages from a loss pile up quickly. You could be leaving money on the table in the settlement and not even realize it.

What Do I Need to Consider When Hiring a Public Adjuster?

Make sure that their license is up to date and they have been in business for a while, and make sure they weren’t licensed after a recent disaster. Some public adjusters rush to capitalize on people who have suffered a loss.

Ask about their experience and training to make sure they are familiar with the kind of claim you want them to handle for you.

Don’t sign a blank contract. Have your prospective public adjuster go over their fees so you know what to expect going in.

Make sure you feel comfortable with the adjuster you select. You will be dealing with them for the duration of your claim, so it’s important to choose someone who you like talking to.

What is FAPIA?

FAPIA stands for “ Florida Association of Public Insurance Adjusters ” and they require any public adjusters belonging to their organization to uphold a strict code of ethics. These public adjusters have a wide network of resources to help you handle your insurance claim.

How Much Do Public Adjusters Charge?

The most important thing to remember is that public adjusters do not take payment up front, and if anyone tries to charge you upfront, they are not an ethical public adjuster.

Public Adjusters charge a portion of the settlement you receive in exchange for the services they provide you. The maximum amount a public adjuster can charge in Florida is 20% of the claim paid after you sign your contract with them, but the actual percentages charged vary between public adjusters which is why it is necessary to browse around for one that fits your needs.

Additionally, if the Governor’s Office declares an emergency and it was the cause of your loss, then the maximum amount a public adjuster can charge is 10% for claims that are made within the first year from the date of the loss. After that first year, the maximum percentage goes back to 20% so don’t wait too long to file your claim.

Discover the Power of Continental Public Adjusters

When it comes to handling property claims in the beautiful state of Florida, Continental Public Adjusters stands as your trusted partner, committed to ensuring you make the most of your insurance policy.

Whether you're facing a new property claim or grappling with the frustration of denied, delayed, or underpaid claims, the need for an adept and seasoned public adjuster becomes paramount.

Here's how Continental Public Adjusters can be your advocate in five crucial ways:

Champion Your Cause : Our unwavering mission is to secure the maximum recovery for your loss.
Thorough Examination : We conduct a meticulous investigation, delving into the specifics of your loss. Our team of experts and consultants works tirelessly to ascertain the true value of your property loss.
Precision Estimation : Employing cutting-edge cost estimating software, we prepare comprehensive supporting documentation, which we then submit to your insurance provider.
Skilled Adjustment : We skillfully manage and negotiate your claim with your insurance company's adjuster to achieve a settlement that aligns with your best interests and gains your approval.
Optimizing Benefits : Drawing from the vast experience of settling thousands of claims, we have the foresight to anticipate issues and hurdles in the claims process. Our dedicated team works relentlessly to ensure you receive the maximum benefits you deserve.

Start with a complimentary consultation with one of our accomplished team members, where you can explore your options. With 38 years of invaluable experience in successfully resolving a multitude of claims, both personal and commercial, across the state of Florida, Continental Public Adjusters, Inc. is your trusted partner.

Reach out to us today at (800) 989-4769 or drop us an email at info@contpa.com to initiate your FREE claim review. Your satisfaction and peace of mind are our top priorities.

Making a Hurricane Damage Claim in Florida

Mon, 03 May 2021 05:18:00 GMT

Filing a hurricane damage claim in Florida – which may as well be considered a “when” and not an “if” given our current weather trends – but if you have not yet had to deal with the process of going through a claim for damage caused in a hurricane, then read ahead. In this article, we will discuss the details of what is covered, what you can’t claim on your homeowner’s insurance policy, and why you might need public adjuster assistance.

What is Covered and What is Not?

The extent of coverage all depends on the homeowner’s insurance policy that you have. The policy is the controlling document. A standard homeowner’s insurance policy will likely cover most of the incidental damage that occurs during a hurricane, despite the fact that the same dwelling can endure many different types of damage.

One thing that no basic policy covers are flooding. Even though a significant portion of the United States population lives in flood-prone or hurricane-prone areas, flooding is not included in a standard policy and must be purchased separately.

Because many areas in Florida are known to be high-risk areas for hurricanes, insurance companies may also require that you have separate windstorm insurance . This is because insurance companies are making a bet with you: you are betting something horrible will happen so they will pay you for it, and they are betting it won’t so they can use the premiums you pay them to reimburse other people. They aren’t going to cover the type of damage that occurs most often in your area because that isn’t good business for them.

Something else definitely not covered under your homeowner’s policy is damages due to negligence. For example, long-term damage that occurred before the hurricane hit will not be covered. This is why it is important to take pictures of your home regularly so you can prove the condition it before a disaster. Also, having a public adjuster assist you can help you determine the extent of the damage.

Lastly, your homeowner’s insurance will not cover damage to your vehicle that results from a natural disaster . It doesn’t matter if your car is parked in a garage which is technically part of your house, it will not be covered by your flood insurance or your homeowner’s insurance, so if you live in a hurricane zone, make sure you make elections on your auto policy that will cover damage to your vehicle.

What Types Of Damage Are You Claiming?

There are three key types of damage you will deal with in a hurricane:

1. Wind Damage

This isn’t just the damage that the wind causes by itself. It also encompasses the debris kicked up by high storm winds that can be flung at your property and break your windows.

This is one of the reasons it is key to have photographic evidence of the condition of your windows before and after the storm. Significant structural damage can result from the wind picking up items as large as trees and carrying them for miles, so this type of damage can occur even if you are miles inland from the storm.

2. Water Damage

Images of the flooded streets following Hurricane Katrina are what most people think of when they hear “hurricane” and for good reason. Tropical storms come with a hearty helping of rainfall, and frequently flooding results from the rainfall having nowhere to go.

Flood insurance is necessary to be reimbursed for the damage caused by standing water in areas where there is no water under usual circumstances. Yet, your regular policy will cover damage that occurs as a result of the wind damaging your roof and subsequent water damage from the rain getting in during the same storm.

3. Fire Damage

This is something that probably not a lot of people stop to consider. Fire? During a rainstorm? Well, yes. Power outages and power surges, combined with power lines down in the storm and leaks and flooding can result in nasty electrical fires.

For this reason, if you are instructed to evacuate in a hurricane, unplug as many of your appliances as you can. Your insurance company may not pay for damage caused by a fire that results from your negligence in securing your property and making sure that further damage does not occur.

Dealing with the Damage

Your home may not be safe in the aftermath of the disaster, but as soon as you are allowed back to your residence, make sure to take plenty of pictures. Having public adjuster assistance can make this daunting task more palatable.

Don’t throw anything out. Not until your insurance company’s adjuster has had time to take a look at the damage and begin their report. Sadly, they deal with fraud all the time, and you will need to be able to prove the items you had that were damaged in order to recover money for them.

Empower Your Claim with Continental Public Adjusters

In the intricate world of property claims, Continental Public Adjusters emerges as your beacon of expertise and support in Florida. With a profound understanding of the nuances involved, our skilled team is dedicated to ensuring you receive the maximum benefits from your insurance policy.

Whether you're facing a fresh property claim or grappling with the complexities of a denied, delayed, or underpaid claim, the role of an adept public adjuster cannot be overstated.

Here are five compelling reasons why Continental Public Adjusters is your optimal choice:

Your Resolute Advocate: Our unwavering commitment is to secure the highest compensation possible for your loss.
Thorough Analysis: We delve deep into the specifics of your loss, conducting a meticulous investigation. Our team of experts and consultants work tirelessly to determine the precise value of your property loss.
Precision Estimation: Leveraging advanced cost estimating software, we craft comprehensive supporting documentation, promptly submitted to your insurance provider.
Expert Negotiation: We adeptly manage your claim, engaging in negotiations with your insurance company's adjuster to secure a settlement aligned with your best interests and approval.
Maximizing Your Entitlements: With the insight gained from settling thousands of claims, we foresee potential issues and hurdles in the claims process. Our unwavering commitment is to ensure you receive the maximum benefits you deserve.

Embark on this journey with us through a complimentary consultation with one of our experienced team members. With 38 years of invaluable experience successfully resolving a myriad of claims, spanning both personal and commercial properties in Florida, Continental Public Adjusters, Inc. is your trusted ally.

Initiate your FREE claim review today by contacting us at (800) 989-4769 or via email at info@contpa.com .

What Should You Ask Before Hiring a Public Adjuster?

Mon, 26 Apr 2021 06:00:00 GMT

If you are considering hiring a public adjuster, it probably means that you have suffered property damages and you are trying to determine the benefit they would provide for the cost they require.

In this article, we will take you through some questions you will want to ask before making a decision on hiring a public adjuster.

What is a Public Adjuster?

A public adjuster is different from the insurance adjuster you talk to after filing your home insurance claim. The “Company Adjuster” or “staff adjuster” is someone working for your insurance company. In other words, this is someone who is looking out for the insurance agency to fulfill the letter of your policy and give you what is in the contract, and nothing more. They will not go out of their way for you.

A public adjuster, on the other hand, is paid when your claim is settled. So, they have a vested interest in making sure that the insurance company pays out everything you are owed, and that the amounts of the damages are calculated in your favor, not in favor of the insurance agency.

A public adjuster is someone who will take over the process of handling your claim and negotiating your settlement. Because of the amount of trust you have to place in such an individual, you shouldn’t hire one lightly.

Why Should You Hire a Public Adjuster?

Public Adjusters are professionals who deal with managing insurance claims for a living. They are intimately familiar with the terminology and the processes. Thus, they can do a much better job of negotiating the details of your settlement than you will.

Hiring a public adjuster is also recommended if you have a very large or complex loss, and the public adjuster will do their own evaluation of the damages. If your personal or professional life prevents you from giving your claim the attention it needs, a public adjuster can handle that for you.

8 Important Questions to Ask Before Hiring

1. Will you be handling my claim yourself?

It is important to know if you are talking to the person who will be taking care of your insurance claim. Conducting an interview to hire a public adjuster doesn’t do much good if you aren’t talking to the person who will ultimately handle your claim.

2. How many claims do you currently have from this area?

This is important to consider in the aftermath of a disaster. If you select a public adjuster that has too many claims running concurrently, they will be spread thin and unable to give you the attention that you need to have a successful outcome.

3. Are you a licensed public adjuster in my state?

Making sure the public adjuster you hire is licensed is one of the most important things you can do to make sure you are getting a reputable individual. Sometimes they are licensed under a company instead of having their credentials individually. Do your homework and make sure they are reliable and respectable.

4. What is your fee contract?

Public adjusters work for a portion of the fee paid out by your insurance company, so factor that into your decision when choosing a public adjuster. This typically ranges from 5%-15% and is negotiable. Yet, some states have caps on the fees a public adjuster can charge. Make sure you aren’t being cheated by a disreputable individual, and make sure you know if the public adjuster takes a portion of all the funds paid by insurance or not. Some public adjusters don’t take a fee on living expenses or other categories of benefits.

5. Can I still talk directly to my insurance company?

Make sure that if you want to stay involved in your claim that you talk to your public adjuster upfront about it, rather than trying to keep in contact with your insurance and confusing the process.

6. Who are your references?

Speak to at least two references for each public adjuster before you hire them. Ask if they were happy with the result if the adjuster kept in contact and kept them informed, and how the fee was calculated. References are one of the best ways to get a feel for how your public adjuster will treat your claim because you will be talking to others who have worked with them before.

7. What happens if I want to terminate the contract before a settlement is reached?

Do you have the flexibility to terminate your relationship with the public adjuster before a settlement agreement is finalized? If you do, will you owe them an additional fee for breaking the contract? Make sure you know this before you sign anything.

8. Are you working with a specific attorney or firm on my claim?

In some states, Public Adjusters cannot charge contingent fees (a portion of the settlement) unless they are affiliated with an attorney or law firm. These states consider public adjusters acting without guidance from an attorney to be practicing the law without a license.

Experience Excellence with Continental Public Adjusters

When it comes to handling property claims throughout the diverse landscape of Florida, Continental Public Adjusters is your trusted partner. With a wealth of experience, we are dedicated to helping you make the most of your insurance policy.

Whether you're dealing with a new property claim or facing the frustration of a denied, delayed, or underpaid claim, an experienced public adjuster is your solution.

Here are five compelling reasons to choose Continental Public Adjusters:

Your Unyielding Advocate: Our sole mission is to ensure you receive the maximum compensation for your loss.
Comprehensive Examination: We conduct a thorough investigation to understand the specifics of your loss. Our team of experts and consultants diligently assess the true value of your property loss.
Precise Estimation: Utilizing cutting-edge cost estimating software, we prepare comprehensive supporting documentation and promptly submit it to your insurance provider.
Expert Negotiation: We adeptly manage your claim and negotiate with your insurance company's adjuster to secure a settlement aligned with your best interests and your approval.
Maximizing Your Benefits: With the wisdom gained from settling thousands of claims, we can anticipate potential issues and obstacles in the claims process. Our unwavering commitment is to ensure you receive the maximum benefits you rightfully deserve.

Embark on your journey with us through a complimentary consultation with one of our seasoned team members. With 38 years of invaluable experience successfully settling countless claims, covering both personal and commercial properties in Florida, Continental Public Adjusters, Inc. is your dependable partner.

Contact us today at (800) 989-4769 or email at info@contpa.com to initiate your FREE claim review. Your satisfaction and peace of mind are our top priorities.

What is Meant by Failure to Mitigate?

Mon, 19 Apr 2021 09:34:00 GMT

After a loss from fire, wind , or water, it is the responsibility of the homeowner to take reasonable action to make sure that further loss does not occur.

Most of the time, the first thing on a homeowner’s mind is not whether or not they have done everything necessary to fulfill their obligations under the terms of their policy. Having a public adjuster to walk through the process is one of the best things a homeowner can do in the event of a high-value loss. But, there are other common-sense actions when preventing secondary damage after a loss occurs.

Negligence and Insurance Coverage

Usually, homeowner’s insurance will cover a loss, even when that loss is a direct result of negligence on the part of a homeowner that leads to a catastrophic event. This is different from, say, negligence that results in mold growing under the kitchen sink for an extended period of time.

For example, if a meal on the stove was left unattended and started a fire that caused significant damage to the rest of the structure, the insurance company would pay for the fire damage claim, even though the fire was caused by an act of negligence on the part of the insured.

After the loss occurs, however, if steps are not taken to prevent further damage, the insurance company is well within its right to reduce or refuse coverage for the ongoing loss. A public adjuster who is on your side can help you determine what reasonable steps you should take after a loss to mitigate further damage.

Avoidable Losses and Damage Mitigation

The homeowner who has suffered a loss has the responsibility to make sure that as little damage as possible occurs to what remains of their property. This includes taking steps such as putting tarps over a damaged roof to mitigate new water damage or moving items away from damaged areas.

For instance, assume in the above-mentioned hypothetical of fire loss where the insured caused a kitchen fire through negligence, and the stove shared a wall with the garage. In that case, the homeowner should relocate the vehicle in the garage and any other valuable possessions that could be damaged as a result of any structural weakness that could be caused by the fire.

The issue of a damaged vehicle was specifically addressed in an old failure to mitigate case called Suttir v. Indemnity Co. of America, St. Louis, Mo., in Illinois state court. The court, in that case, did not hold the insurance company liable when damage occurred to a car when nearby walls collapsed after the house suffered prior fire damage.

The court maintained that the insured had reason to believe the walls of the building could collapse, and the insured failed to take adequate steps in mitigating damage by moving the vehicle to a different location. Therefore, the court reasoned, the insurance company should not be responsible for any more damage reimbursement.

Partial Recovery of Damages

Every insurance policy is different. So, the damages that are covered vary depending on the language in the policy itself as well as whatever jurisdiction in which the loss takes place. An example of partial recovery is when there is an initial loss, which is paid for by the insurance company. Then, the homeowner fails to take steps to mitigate further damage, and the insurance policy does not pay for what happened afterward.

A court in Louisiana used this partial recovery approach in Higginbotham v. New Hampshire Indem. Co.. In Higginbotham the homeowner had damage to the roof caused by wind, and then the home suffered extended water damage over a long period because the homeowner did not do anything to keep the water damage from happening.

The insurance company was ultimately responsible for the cost of repairing the roof, but not for the cost of the water damage. That is because they were only responsible for the initial catastrophic incident.

Regardless of whether coverage after a loss is reduced or voided completely, what these cases have in common is the fact that the damage could have been prevented through action on the part of the owner of the property.

Cooperation Clauses

Some policies have language where the insured must immediately take all reasonable action to prevent further loss and their claim may be voided if they do not do so. For example, there was a case in which there was damage to the roof in part of a warehouse and two chemicals stored in dry bulk that area would solidify and become unusable if they got wet.

The warehouse incurred the expense of moving the inventory to another location. Thus, it took all reasonable steps to secure the property against further damage. But, they had to argue that they did it under the cooperation clause because the insurance company also had contradictory language in the policy that the insured could not take voluntary action to incur expenses without consent from the insurance company. However, if they had waited for approval, it would have caused even more damage to the inventory.

Elevate Your Claim Experience with Continental Public Adjusters

Continental Public Adjusters is your dedicated partner in the realm of property claims across the diverse landscape of Florida. Our team's extensive expertise is your assurance of optimizing the benefits from your insurance policy.

Whether you are navigating a fresh property claim or grappling with the frustration of a denied, delayed, or underpaid claim, an experienced public adjuster becomes your indispensable ally.

Here's why choosing Continental Public Adjusters is your best decision:

Your Unwavering Advocate: We are committed to securing the highest compensation possible for your loss.
Thorough Examination: We conduct a meticulous investigation, leaving no detail unexplored to understand the specifics of your loss. Our expert team and consultants work diligently to determine the genuine value of your property loss.
Precision Estimation: Employing cutting-edge cost estimating software, we meticulously prepare comprehensive supporting documentation and swiftly submit it to your insurance provider.
Expert Negotiation: We adeptly handle your claim and engage in negotiations with your insurance company's adjuster to secure a settlement that aligns with your best interests and meets your approval.
Maximizing Your Benefits: With the wisdom derived from resolving thousands of claims, we anticipate potential issues and hurdles in the claims process. Our unwavering commitment is to ensure you receive the maximum benefits you rightfully deserve.

Embark on your journey with us through a complimentary consultation with one of our seasoned team members. With 38 years of invaluable experience in successfully settling numerous claims, spanning both personal and commercial properties throughout Florida, Continental Public Adjusters, Inc. is the partner you can rely on.

Reach out to us today at (800) 989-4769 or email us at info@contpa.com to initiate your FREE claim review. Your satisfaction and peace of mind are our top priorities.

Filing an Insurance Claim: How to File a Property Damage Claim

Mon, 12 Apr 2021 15:02:00 GMT

Most people will go their whole lives without having to file a significant property damage claim . If you are faced with the prospect of reporting a large loss to your insurance company, follow these basic steps below as a starting guide, and consider hiring a public adjuster to fight for you if there is a lot of damage.

Standard Steps to filing a claim:

1. Inform your insurance company of the incident
2. Have a meeting with the adjuster from the insurance company
3. Mitigate further damage to your property
4. Make temporary arrangements
5. Inventory damaged items and submit them to insurance
6. Estimate the total cost of repairs and replacement items
7. Perform repairs and purchase replacements
8. Move back into your property

1. Inform your insurance company of the incident

When you have a loss, you need to take immediate steps toward protecting your property. Insurance companies can penalize you for negligence if you do not report damage to them right away.

As soon as you notice a loss or damage has occurred, call your insurance company’s 24/7 hotline to report the incident and begin the claims process. The sooner your report it, the sooner life can start getting back to normal.

2. Have a meeting with the insurance adjuster

Once you have started your property damage claim, the insurance company will send an adjuster to assess the damage. Keep in mind that this is the person who will be your representative at your insurance company throughout the process of your claim, and you will be interacting with them the whole time.

They are either a salaried employee of your insurance company or a contractor that works for them. They will analyze the damage and look at what is and is not covered by your policy to make a determination on what insurance will pay for. Strive to have a pleasant relationship with the insurance adjuster, but know that they are on the side of your insurance company.

3. Mitigate further damage to your property

If the damage to your property is severe enough, it may be recommended that you hire a contractor or restorer that provides 24/7 emergency service to secure the scene, for example, setting up fans after a severe incident of water damage.

An important thing to remember when you are filing a property damage claim is that you have a responsibility to keep anything from getting further damaged. If, for example, there is a hole in your roof from a tree falling, you should cover it with a tarp so that if it rains you do not also have water damage in your home.

If you have a pipe burst and caused water damage, shut off the water main to the home to prevent any further leaks.

4. Make temporary arrangements

If there was serious damage to your home, you may not be able to live in it while repairs are done. If you need to stay in a hotel, rent a car, or make other accommodations while the restoration happens, try to have another family member make these reservations while you are talking to the insurance company so that you aren’t trying to find somewhere to stay late at night.

Also keep in mind that many policies have a maximum per day they will reimburse for hotel and food expenses, so plan accordingly when making your decisions.

5. Inventory damaged items and submit to insurance

You will not be compensated for the items in your home without providing a list to your insurance company of what was damaged or destroyed. It is a good practice to regularly update an inventory of your possessions with photographs, receipts if possible, and keep it logged somewhere that you can grab quickly or, even better, access digitally.

If you do not have an inventory, gather all of your damaged items, take photographs of them, and estimate their value, then submit that to your insurance company. Be aware that your insurance will compensate you one of two ways: actual cash value or replacement value.

Actual cash value is the value of your item minus depreciation, so the $2000 computer you bought years ago may only be worth $750 now, and so insurance pays you $750. Replacement value pays for a replacement item, but you have to purchase a replacement and submit the receipt to insurance for reimbursement.

6. Estimate the total cost of repairs and replacements

Your insurance company will likely recommend contractors in your geographical area to conduct repairs for your property damage claim. If you have a lot of damage, it is a good idea to get multiple quotes from different contractors.

If you only ask one repair service to appraise the damage and they undervalue the cost of repairs, you may end up paying out of pocket because your insurance company will not pay the full amount. An experienced public adjuster can also conduct an analysis of the damage and make a recommendation of the cost to repair it. They are like an insurance adjuster, but they are fighting on your side.

7. Perform repairs and purchase replacements

Once you have selected a contractor and approved their estimate, they can start their work. Depending on how severe the loss was, restoring to the pre-loss condition in a property damage claim can take anywhere from a few days to a few months before everything is complete.

If you have to live outside your home for an extended period of time, track all of your expenses so that you can get reimbursed by your insurance company. They add up faster than you think.

8. Move back in

Ah, home sweet home. Your house is repaired, safe, and ready to live in again.

Transform Your Claim Process with Continental Public Adjusters

When it comes to managing property claims in the diverse landscape of Florida, Continental Public Adjusters is your unwavering partner. With a rich history of experience, our dedicated team is committed to helping you maximize the benefits of your insurance policy.

Whether you're navigating a new property claim or confronting the challenges of a denied, delayed, or underpaid claim, an experienced public adjuster is your indispensable resource.

Here are five compelling reasons to make Continental Public Adjusters your first choice:

Your Dedicated Advocate: Our sole mission is to secure the highest possible compensation for your loss.
Thorough Analysis: We conduct a meticulous investigation to understand the specifics of your loss. Our team of experts and consultants work diligently to determine the true value of your property loss.
Precision Estimation: Using cutting-edge cost estimating software, we meticulously prepare comprehensive supporting documentation and promptly submit it to your insurance provider.
Expert Negotiation: We skillfully manage your claim and engage in negotiations with your insurance company's adjuster to secure a settlement aligned with your best interests and your approval.
Maximizing Your Benefits: With the wisdom derived from settling thousands of claims, we can anticipate potential issues and obstacles in the claims process. Our unwavering commitment is to ensure you receive the maximum benefits you rightfully deserve.

Initiate your journey with us through a complimentary consultation with one of our seasoned team members. With 38 years of invaluable experience successfully settling numerous claims, covering both personal and commercial properties in Florida, Continental Public Adjusters, Inc. is your trusted partner.

Contact us today at (800) 989-4769 or email us at info@contpa.com to initiate your FREE claim review. Your satisfaction and peace of mind are our top priorities.

Everything You Need to Know About Hurricane Damage Insurance Claims

Mon, 05 Apr 2021 00:00:00 GMT

When your home is damaged by a hurricane, it can be hard to know where to begin with your insurance company.

Do you file a claim for the windstorm damage? Or for the water damage from heavy rainfall that got in after your roof was damaged by the wind?

Read on for our best tips on how to handle hurricane damage insurance claims .

Types of Damage Caused by a Hurricane

Hurricanes are a swirling vortex of water and wind which lay waste to everything in their path. Some of the major consequences of a hurricane are:

If only a hurricane caused one type of damage, it would be easier to determine the payout in hurricane damage insurance claims. Unfortunately, when your home is damaged by a hurricane, it is likely that you have flooding damage, which can be exacerbated by wind damage that allowed more water into your home through heavy rainfall.

Because most insurance policies have a great deal of specificity in what they cover, your insurance provider will likely try to break down each individual cause of damage.

This sounds good, because it means that you get the most comprehensive evaluation of your loss, right? Well, it may not be beneficial for you in the long run. Each type of damage has a maximum coverage limit, and you have to pay the deductible for each kind of damage.

Even aside from the fact that ordinary homeowner’s insurance doesn’t cover flooding, if you have more wind damage than your policy covers, you will have to pay out of pocket to cover the remaining repairs, even if you have a claim for water damage from the rainfall which didn’t come close to its limit.

1. Windstorm Deductibles

Certain states have dedicated policies for windstorm damage, and it has its own deductible. The limits and limitations vary from state to state, but if you have a windstorm deductible, then you are more likely to have coverage from the wind damage caused by a hurricane.

The following states all have a special windstorm damage deductible:

2. Sewer Backup Damage

This is another case where you may or may not be covered, depending on what the insurance company determines is the cause of the damage.

You can buy endorsements, or add-ons, to your homeowner’s insurance policy and one of the options that is available is sewer backup damage. If you have purchased this as an add on to your policy, then the sewer backup damage may be covered.

If, however, the sewer backup is a result of flooding, which can be caused by heavy rainfall in the area of a hurricane, then you need to make sure you have purchased special flood insurance or your damage will not be covered.

If you do not live in a flood-prone area, but there is still the chance you could be hit by a hurricane, you may want to check with your insurance about purchasing a sewer backup endorsement.

Last Minute Insurance – Are You Covered?

When it comes to the coverage of your home, you cannot take risks with hurricane and flood insurance.

Some people think they are clever by waiting until it is storm season, or worse, a storm is on the horizon, to try and get coverage.

Unfortunately, many policies have a waiting period of as long as a few weeks or a full thirty days. If you wait until the storm is on top of you, you may not even be able to buy coverage. The laws are different depending on the state you are in, but many insurance companies will cease the sale of hurricane-related insurance when a hurricane watch starts. Even if you are able to purchase a policy, it is possible that your coverage will not be active until the storm is over, and the property damage is done.

Hurricane Damage Insurance Tips

1. Keep your coverage year-round – because there are waiting periods and blackouts, if you keep your coverage all year and not just during storm season, then you are less likely to encounter a situation where your policy is not effective.
2. Prepare for a higher deductible – Because hurricane damage insurance claims are based on the percentage of the total claim, you may have to fork over between 2 and 5 percent of the coverage amount.
3. Consider hurricane insurance even if you are low risk. Nearly a quarter of the insurance claims that FEMA pays out each year are to homeowners in a low-risk zone. It may be worth it for you to buy hurricane insurance if you are in any region that may be hit by a hurricane.
4. Keep track of food and lodging expenses. Your policy shouldn’t just cover repairs to your home. If your residence is uninhabitable after a disaster, then they will pay for your living expenses while you have to stay somewhere else.

Unleash the Potential of Continental Public Adjusters

When it comes to navigating property claims in the diverse landscape of Florida, Continental Public Adjusters is your trusted ally. With a rich legacy of experience, our dedicated team is here to help you maximize the benefits of your insurance policy.

Whether you're faced with a new property claim or grappling with the challenges of a denied, delayed, or underpaid claim, an experienced public adjuster is your ultimate solution.

Here are five compelling reasons to consider Continental Public Adjusters:

Your Unwavering Advocate: Our sole commitment is to secure the highest possible compensation for your loss.
Comprehensive Analysis: We conduct a meticulous investigation, leaving no detail unexplored to understand the specifics of your loss. Our team of experts and consultants work tirelessly to determine the true value of your property loss.
Precision Estimation: Employing state-of-the-art cost estimating software, we meticulously prepare comprehensive supporting documentation and promptly submit it to your insurance provider.
Expert Negotiation: We skillfully manage your claim and engage in negotiations with your insurance company's adjuster to secure a settlement aligned with your best interests and your approval.
Maximizing Your Benefits: With the wisdom derived from settling thousands of claims, we can anticipate potential issues and obstacles in the claims process. Our unwavering commitment is to ensure you receive the maximum benefits you rightfully deserve.

Embark on your journey with us through a complimentary consultation with one of our seasoned team members. With 38 years of invaluable experience successfully settling numerous claims, covering both personal and commercial properties in Florida, Continental Public Adjusters, Inc. is your reliable partner.

Reach out to us today at (800) 989-4769 or email us at info@contpa.com to initiate your FREE claim review. Your satisfaction and peace of mind are our top priorities.

Water Damage Claim Coverage, and How To Maximize It

Mon, 29 Mar 2021 04:41:00 GMT

We all buy insurance hoping that we will never need it. So, what happens when you come home to find that a pipe burst, and you need to make a water damage insurance claim to fix the hardwood floors in your house?

Read on for details on what is and is not covered in your homeowner’s insurance with regard to water damage, and when you might need help from the pros.

Make Sure You Know the Difference Between Water Damage and Flood Damage

One is covered by insurance, the other is not. Water damage is something that is covered in a typical home insurance plan, and it is important that you know if what you are asking for is covered by a water damage insurance claim.

Water damage is something that is extremely common, in fact, it is often pointed to as the most frequent type of damage reported by homeowners. Regardless of the cause of the water damage, whether it is from a frozen or broken pipe, a leaking appliance, a sewage backup, or problems caused by a leaky roof or rain, water damage is part and parcel of the insurance business. Yet, it is also important to know the flooding damage is not something covered in a typical policy.

Consider Purchasing Flood Insurance if You Live in a Flood-Prone Area

Flood damage is never covered under homeowner’s insurance, even if it was caused by a natural disaster . Flood insurance is a new development in the American insurance industry when it was introduced just over fifty years ago in 1968 with the National Flood Insurance Program.

You should determine if you need flood insurance before you buy it, so it is important to understand how insurance defines a flood. Your property and another property must be inundated with water, partially or completely, in an area of land that is usually dry. Any rising water or mud that occurs from runoff water, overflowing rivers, heavy rain, thawing snow, or hurricane storms counts as flood damage.

Since this type of damage is not subject to a water damage insurance claim, if you live in a region prone to these conditions, flood insurance might be a smart choice for you.

Report Any Damage from Water to Your Insurance Company Immediately

If you hesitate to report water damage to your insurance company, they may come back and deny your claim for preventable damages.

Insurance is just that: insurance. It covers unexpected catastrophes. But, as the homeowner, you have a responsibility to take care of your property. If you fail to report damage that occurs, then you could be considered neglectful.

Some insurance policies try to use language that prevents you from reporting damage more than 14 days after the incident that caused the damage. If you are away on a trip, or if you own a vacation home in a wet climate like Florida, you could be denied on a technicality. In that case, you should look into hiring a public adjuster : they specialize in maximizing insurance payouts for the claimant.

Choose a Reputable Repair Company and Make Sure They Use Advanced Equipment

If you simply go with the restoration company recommended by your insurance company, they may not be paying for the care your home needs after a water damage insurance claim. If they are constrained by the budget from a small payout from insurance, they may not take the best care of your property.

It is necessary to treat for mold and mildew after water damage occurs, and to make sure that all moisture is removed. Inquire as to whether the cleaners use hygrometers, infrared cameras, moisture detectors or other equipment to make sure that all of the water damage is completely remediated.

Know When to Hire A Public Adjuster

If your disputed amount is over $10,000 then it is time to call in the help of a public adjuster. A public adjuster will help you through the claims process, and they do so for a portion of the settlement awarded at the end of the case.

You will likely only file an insurance claim a few times in your life if you are lucky, but public adjusters live in the insurance industry and fight for you, the homeowner, against the insurance companies that want to pay out as little as possible.

Whether your home was damaged by rain or you are filing a water damage insurance claim as a result of another disaster, like extinguishing a fire, make sure you have someone on your side who are experts in the business.

Why Choose Continental Public Adjusters?

Continental Public Adjusters takes great pride in serving the entire state of Florida, specializing in property claims. With our extensive experience, we are here to ensure you get the most from your insurance policy.

Whether you are dealing with a recent property claim or facing a denied, delayed, or underpaid claim, the need for an experienced public adjuster becomes paramount.

Here are five compelling reasons to partner with Continental Public Adjusters:

Your Advocate: Our sole purpose is to secure the maximum compensation for your loss.

Thorough Analysis: We conduct an exhaustive investigation, leaving no detail unexplored to understand the specifics of your loss. Our team of experts and consultants work tirelessly to determine the true value of your property loss.

Accurate Estimation: Utilizing cutting-edge cost estimating software, we meticulously prepare comprehensive supporting documentation and promptly submit it to your insurance carrier.

Skillful Negotiation: We expertly manage and negotiate your claim, working closely with your insurance company's adjuster to achieve a settlement that aligns with your best interests and meets your approval.

Maximizing Benefits: With the wisdom gained from settling thousands of claims, we are adept at foreseeing potential issues and hurdles in the claims process. We work tirelessly to ensure you receive the maximum benefits you rightfully deserve.

Your journey with us begins with a free consultation with one of our seasoned team members . With 38 years of invaluable experience in successfully settling numerous claims, encompassing personal and commercial properties throughout Florida, Continental Public Adjusters, Inc. is the partner you can trust.

Contact us today at (800) 989-4769 or email us at info@contpa.com to initiate your FREE claim review. Your satisfaction and peace of mind are our top priorities.

Is Mold Damage Covered by Homeowner’s Insurance?

Mon, 22 Mar 2021 08:05:00 GMT

You had water damage in your home and now you have a mold problem. Mold spores can be dangerous to you and your family, and costly to remediate.

What do you do? Will your homeowner’s insurance cover the cost of fixing a mold problem? Read on for more details about mold damage and what your policy is likely to cover.

What is a Covered Peril?

A “covered peril” is the specific incident that caused the damage you are requesting reimbursement for under the coverage in your policy. Mold damage that is a direct result of a covered peril will be covered by a policy, but this is often difficult to prove because mold is so often caused by existing water damage.

Some examples of covered perils that might result in mold damage after the fact are:

1. Vandalism
2. Lightning
3. Falling Objects
4. Water Damage from frozen pipes
5. Breakage of pipes
6. Accidental Leaks or Overflows from other appliances or systems (heating, air conditioning, sprinklers, plumbing, refrigerator, washing machine, etc.)

These are all common “covered perils” where your homeowner’s insurance should pay for the mold.

When Should You Expect Mold Damage to be Covered?

Mold damage claims can get complicated quickly because there can be a presumption of gradual damage by your insurance company, or they can say that you failed to inform them in the necessary period of time for mold resulting from otherwise covered damage.

You could reasonably expect your insurance company to cover mold damage if a pipe burst in your home while you were away, and by the time you returned the drywall and floor were soaked and there was mold growing as a result.

Another scenario that should be covered is if your washing machine or sink line unexpectedly breaks and causes water to accumulate inside your wall. You report the water damage claim and fix the leak, but that insidious mold is already forming behind your walls as a result of the broken water line.

Something you may not consider if you live in a warm climate, but is a reality for many around the country, is an ice dam in the rain gutters. In late winter and early spring when temperatures still dip below freezing at night but can climb into the 50’s during the day, snow and ice can melt and run into your gutters, then freeze again over night. Repeat this cycle a few times and you can have a situation where there is ice in your rain gutter and then water backs up under your shingles and into your attic.

The resulting moisture in the attic floor and insulation can result in a serious mold problem, but you can expect your homeowner’s insurance to cover the damages.

When Will Mold Damage Not Be Covered?

Homeowner’s insurance is an agreement between you and the insurance company that you will keep your property in good repair, and they will pay for circumstances beyond your control.

The following scenarios could be considered negligence or gradual damage, and they will not pay for something that you could have prevented.

1. If you have pipes that freeze and burst and you don’t notice for several weeks, then delay in reporting the damage to your insurance company, by which time you have a mold problem.
2. You haven’t replaced your roof in decades and the shingles are worn out. A storm hits and rain gets into your attic through the damaged roof and the trapped moisture causes a mold problem.
3. You have been watching a stain slowly creep across your bathroom ceiling, but haven’t been bothered to report it to your insurance until someone in your home said “enough is enough, we need to do something about that.

In all of these cases, there are things that the homeowner could have done to prevent the damage and failed to. The insurance company will not pay for oversight and disrepair.

Let’s Talk About Flooding

You’ll notice that flooding is not on the list of covered perils at the beginning. This is because no standard homeowner’s insurance policy covers flooding.

Because flooding is not covered in the policy, any resulting mold damage from flooding will not be covered. The worst types of mold damage are caused by flooding situations because the water is allowed to stand and soak in for long periods of time.

You can purchase additional flooding insurance through the National Flood Insurance Program, and then you will have coverage from mold and mildew that result from the flooding, but even then, they will not cover any pre-existing mold damage, or any mold that could have been prevented. If you are arguing the specifics of mold damage in your policy, it may be worth it to hire a public adjuster to be on your side throughout the process.

Discover the Difference with Continental Public Adjusters

When it comes to managing property claims in Florida, Continental Public Adjusters is your go-to solution. With a wealth of experience, our dedicated team is committed to helping you maximize your insurance policy benefits.

Whether you're dealing with a new property claim or navigating the challenges of a denied, delayed, or underpaid claim, an experienced public adjuster is your key to success.

Here are five compelling reasons to choose Continental Public Adjusters:

Your Strongest Advocate: Our unwavering mission is to secure the highest possible compensation for your loss.
Comprehensive Analysis: We leave no stone unturned in our investigation to understand the specifics of your loss. Our team of experts and consultants work diligently to determine the true value of your property loss.
Precision Estimation: Using cutting-edge cost estimating software, we meticulously prepare comprehensive supporting documentation and promptly submit it to your insurance provider.
Expert Negotiation: We skillfully manage your claim and engage in negotiations with your insurance company's adjuster to secure a settlement aligned with your best interests and your approval.
Maximizing Your Benefits: With the wisdom derived from settling thousands of claims, we can foresee potential issues and obstacles in the claims process. Our unwavering commitment is to ensure you receive the maximum benefits you rightfully deserve.

Kickstart your journey with us through a complimentary consultation with one of our seasoned team members. With 38 years of invaluable experience successfully settling numerous claims, covering both personal and commercial properties in Florida, Continental Public Adjusters, Inc. is your reliable partner.

Reach out to us today at (800) 989-4769 or info@contpa.com to initiate your FREE claim review. Your satisfaction and peace of mind are our top priorities.

Does Home Insurance Cover Water Pipe Leaks and Plumbing?

Mon, 15 Mar 2021 09:15:00 GMT

You swing your legs out of bed in the morning and your carpet is… squishy. The carpet shouldn’t be squishy, and now you have to deal with filing a claim with your insurance company about water damage.

What caused the leak? What will your insurance company pay for? Read on to find out what is and is not typically covered by your homeowner’s insurance policy.

Different Damage, Different Coverage

Your homeowner’s insurance policy should cover the damage caused by plumbing issues and this is generally divided into two different types of coverage: dwelling coverage and property coverage.

The dwelling coverage is fairly straightforward, it covers the damage that occurs to your home directly, the drywall, joists, flooring, etc. If the water damage is caused by a burst pipe that ruins your hardwood floor, the insurance company will pay for the cost of replacing your floor.

Property coverage is a little bit different. If you have a laundry room on the second floor of your home and your washing machine leaks, it will cause damage on the first floor of your home. If you have items of significant value, such as a wall-mounted television that is damaged by the water then the insurance will pay to replace your TV. They will typically not pay, however, to replace your washing machine because it is the source of the damage.

Your deductible still applies, so you will have to pay the amount of your deductible before your insurance coverage will pick up the rest of the cost. Be aware of any policy limits too because any damage that exceeds the amount of your coverage will have to be paid out of pocket.

Sudden and Accidental Damage

This is exactly what it sounds like: unforeseen damage that was caused by circumstances out of the control of the homeowner. For example, a pipe burst, an appliance leaked, a fitting inside the wall came loose and a flood resulted.

Homeowner’s insurance will almost always cover leaks and plumbing caused by this type of damage. Next, we’ll talk about the kind of damage that isn’t covered and that is what is called preventable damage: circumstances where the homeowner could have done something to prevent it and did not.

Long-Term Leaks and Maintenance

As a homeowner, you have a responsibility to keep your home in good repair, and this includes checking your plumbing regularly for leaks in areas such as the traps under your sinks and around your toilets.

If you have old pipes that need to be replaced and you don’t replace them, then your insurance company may rightfully deny your claim as a type of “gradual damage” caused over time.

If your pipes have already been leaking and causing damage for months, then your insurance may deny your claim as well. This carries over into claims about damage to your roof. You may be able to file a claim for weather damage to your roof to have it paid for, but if you don’t repair the roof then you cannot later file a claim for water damage caused after a rainstorm that leaks into your home.

If you have a cracked pipe causing damage that you don’t know about, you won’t necessarily be denied, but you have a certain amount of time to file a claim after you become aware that there is an issue with your home. You can also file a separate claim for damage caused by an improper repair from a catastrophic incident that causes gradual damage later and that will typically be covered.

What Isn’t Covered Under Most Policies

Backups from outside sewers or drains are usually not covered. You may be able to purchase additional coverage for this type of damage, but it is typically not standard for a homeowner’s insurance policy.

Flood damage is never covered by a standard homeowner’s insurance policy, not even in flood-prone areas, and even if the damage is caused by a natural disaster like a hurricane or other severe storm. If you live in a lowland where you are concerned about flooding, you may be able to purchase flood insurance through the National Flood Insurance Program by FEMA , and this is the only option for millions of Americans.

What Do I Do if My Claim is Denied?

1. Ask why your claim was denied

Have your insurance company give you a full explanation of why your claim is denied. It is your right as a policy holder to understand why your insurance company is not paying for the damage and which part of your policy is excluding the damage.

2. Who decided to deny it?

Who made the final decision that your claim was not covered? Was it a contractor or adjuster? They may have denied your claim because they perceived that the damage was caused by maintenance-related issues and another professional may feel differently.

3. Ask for a second opinion

Some insurance companies will give you the opportunity to appeal a claim, and you may be able to ask an agent or representative to review your claim. You won’t know if you don’t ask.

Make the Smart Choice with Continental Public Adjusters

When it comes to navigating property claims in the vibrant state of Florida, Continental Public Adjusters is your trusted partner. Our extensive experience is dedicated to helping you maximize the benefits from your insurance policy.

Whether you're dealing with a new property claim or grappling with the frustration of a denied, delayed, or underpaid claim, an experienced public adjuster is your essential resource.

Here are five compelling reasons to entrust your needs to Continental Public Adjusters:

Your Dedicated Advocate: Our unwavering commitment is to secure the highest compensation possible for your loss.
Comprehensive Investigation: We leave no detail unexplored in our investigation to understand the specifics of your loss. Our team of experts and consultants work diligently to determine the true value of your property loss.
Precise Documentation: Using cutting-edge cost estimating software, we meticulously prepare comprehensive supporting documentation and promptly submit it to your insurance provider.
Expert Negotiation: We skillfully manage your claim and negotiate with your insurance company's adjuster to secure a settlement aligned with your best interests and your approval.
Maximizing Your Benefits: With the wisdom gained from settling thousands of claims, we can anticipate potential issues and obstacles in the claims process. Our unwavering commitment is to ensure you receive the maximum benefits you rightfully deserve.

Begin your journey with us through a complimentary consultation with one of our seasoned team members. With 38 years of invaluable experience successfully settling numerous claims, covering both personal and commercial properties in Florida, Continental Public Adjusters, Inc. is the partner you can rely on.

Contact us today at (800) 989-4769 or email us at info@info@contpa.com to initiate your FREE claim review. Your satisfaction and peace of mind are our top priorities.

5 Things You Need to Know About Smoke Damage Insurance Claims

Mon, 08 Mar 2021 09:47:00 GMT

Have you had to file a fire insurance claim, and now you are dealing with the effects of smoke and soot in the rest of your home? Read on for our five tips on dealing with smoke damage insurance claims .

Tip 1 – Document the Damage

Every home insurance policy will cover fire damage to some extent, but in order to get reimbursed for the losses you experience after a fire, you need to make sure you can prove to the insurance company that you need all the money you are asking for in your smoke damage insurance claim.

It is crucial after the fire occurs that you thoroughly document the damage to your property. A shortlist of what you should include about your property is as follows:

1. Date of the loss (the date the fire occurred)
2. Type of loss or damage (fire, soot, smoke, water, etc.)
3. Location of damage – be as thorough as you can be here, whether the fire was confined to the kitchen or spread through several rooms, it will affect your claim.
4. Any injuries that occurred to you or your family members as a result of the fire.
5. If anyone else was involved in the fire (family members, guests, etc.)
6. Condition of the home – will you be required to relocate for a period of time, or is the scorched drywall from a stove fire something you can live with until repairs are made?
7. Description of damaged contents – describe any and all possessions that were burned, melted, or otherwise damaged by the heat or soot from the fire.
8. Temporary repairs or complete replacements as necessary.
9. Police and Fire Department reports

Tip 2 – File Your Claim

There may be a specified time where you have to inform your insurance company of your loss, so make sure to act in a timely manner.

In the months following the filing of a claim , you will have long exchanges of emails and documents with your insurance company. Make sure you have copies of EVERYTHING. Invest in a three-ring binder, print out your emails and file them with copies of your policy and any reports obtained from the police and fire department, along with photos of your possessions (preferably taken before the fire claim was necessary).

If you have the ability, digitally back up any files you only had physical copies of. Most smartphones are capable of creating PDFs of documents, and cloud storage are only a few dollars a month for the peace of mind that your information is stored safely.

Tip 3 – Understand the Extent of What Your Insurance Covers

A typical policy retained by a homeowner will cover damage from wind, fire, and lightning. If your home was destroyed, the insurance company will be obligated to pay up to the limit of the policy to rebuild your home. Additionally, they will pay to replace anything inside the home that was damaged by the flame itself, or secondary damage under your smoke damage insurance claim.

Smoke damage can affect nearly everything in your home, but it can be difficult to spot at first. Many of your possessions may have to be disposed of, even if they don’t look badly damaged. The ugly damage of a blackened wall or ceiling is easy to see, but more insidious damage may not be obvious, like soot in your air vents or carpets that have absorbed ash and can release harmful compounds back into the air over time.

What about when your home suffers smoke damage from a fire that was not inside your homes, such as a natural disaster or a fire that started in your neighbor’s house? These are typically handled on a case-by-case basis and you should ask your insurance company for guidance with your smoke damage insurance claim.

Tip 4 – Pay for Professional Cleaners

After you document the damage and begin the process of your fire insurance claim, you should hire a team of professionals to clean up the smoke and soot damage in your home, because it is unsafe for you to do it yourself.

Many insurance companies will pay for this type of cleaning and remediation but always check. The compounds released when household items burn can be hazardous to your health, and professional cleaners have specialized equipment to protect them while they work.

In extreme cases, the house may need to be deodorized with ozone, or insulation may need to be replaced.

Tip 5 – Enlist the Help of a Public Adjuster

While public adjusters may not be necessary for all circumstances if your claim is over $10,000 it may be worth hiring one. Your insurance company will pay you the absolute minimum they can get away with, and a public adjuster will be on your side throughout the process, help you file your claim, and argue for what you are entitled to.

Experience Excellence with Continental Public Adjusters

When it comes to property claims in the dynamic landscape of Florida, Continental Public Adjusters is your trusted choice. With a wealth of experience, our dedicated team is here to help you unlock the full potential of your insurance policy.

Whether you're facing a new property claim or grappling with the frustration of a denied, delayed, or underpaid claim, an experienced public adjuster is your key to success.

Here are five compelling reasons to choose Continental Public Adjusters:

Your Unyielding Ally: Our unwavering commitment is to secure the highest compensation possible for your loss.
Comprehensive Analysis: We delve deep into the specifics of your loss through a meticulous investigation. Our team of experts and consultants work tirelessly to determine the true value of your property loss.
Precision Estimation: Utilizing cutting-edge cost estimating software, we meticulously prepare comprehensive supporting documentation and promptly submit it to your insurance provider.
Expert Negotiation: We skillfully manage your claim and negotiate with your insurance company's adjuster to secure a settlement that aligns with your best interests and gains your approval.
Maximizing Your Benefits: Drawing from our experience of settling thousands of claims, we can anticipate potential issues and obstacles in the claims process. Our unwavering commitment is to ensure you receive the maximum benefits you rightfully deserve.

Fire Damage Insurance Claims Tips & Advice for Dealing with a Claim

Mon, 01 Mar 2021 07:34:00 GMT

Most people think they’re joking when they leave and say, “well, I hope the house doesn’t burn down while we’re gone,” but that is the unfortunate reality for some people out there. Regardless of whether a helpful neighbor noticed the signs of a fire and it was controlled with damage to only a few rooms, or if the whole structure was destroyed, you now have to file a fire insurance claim with your insurance company.

Making a claim can be a confusing and difficult process because most homeowners don’t have experience filing claims, particularly with fire damage. It’s an event that rarely happens. But when it does, you need all the knowledge you can get. Below are some tips and advice for dealing with fire insurance claims.

1. What to Do Immediately After the Incident

Immediately after the incident, you have to secure the site. Put out the fire if you can, call the first responders for your area, and verify the safety of all family members and pets who may have been in the structure.

Then, be sure to contact your insurance company’s 24/7 service to report the claim. Also, you should accept emergency funds to cover lodging, meals, and temporary expenses.

2. Preparing for Your Fire Damage Insurance Claims Process

Take photos and videos of the damage. Not just one or two, but multiple angles so that you can show the full extent of the areas that will require repair or replacement. This includes any areas that were damaged by the smoke and soot put off by the combustion, as well as any damage from the efforts that extinguished the fire.

Your stove may have caught fire, but the smoke and soot damage in your living room mean the drywall would have to be replaced, and there may be water damage to your carpet. All of these factors should be considered in the value of your claim, and you need to make sure that they are not brushed aside.

Review your policy carefully to make sure of what it covers. Does it cover the actual cash value of your items or does it cover the replacement value? Cash value takes depreciation into account, while replacement value means you have to purchase items that will take the place of your lost possessions and then get reimbursed for them.

3. Dealing with the Insurance Adjuster

One of the key things to remember as you begin the process of filing your fire damage insurance claim , is that an adjuster from your insurance company will be sent to assess the damage. This individual is on your insurance company’s payroll and will be working for them. That means they will try and get the lowest payout possible for the damage that occurred to your home or business.

Get a second opinion. You shop around for the best deal on a car, so why wouldn’t you ask for another estimate on the value of your fire insurance claim? They may discover secondary damage, such as smoke and soot damage that has spread into other rooms from the initial site of the fire, or there may be traces in your HVAC system that will later spread to other areas. As previously mentioned, the insurance adjuster has their company’s best interest in mind, and may overlook these areas.

4. Be Ready In Case Something Catastrophic Happens

One of the best things you can do to prepare for your fire insurance claim is something you can do now, before the catastrophe strikes. Keep a record of the possessions in your home and do regular video walkthroughs to prove the existence of items in your home.

5. Total Loss Fire Claims

Make sure that you are carrying enough insurance, and that your home has been adequately appraised. If you have $400,000 of insurance and your home is only valued at $325,000, you will only be paid $325,000 in the event of a total loss. If you have upgrades like granite countertops, you will need to know that in order to argue that your house is worth more than the insurance company wants to pay. Document your renovations, and ensure that your video walkthrough shows these upgraded amenities.

6. How a Public Adjuster Can Help

Consider hiring a public adjuster . These are agents who work on behalf of the policyholder to get the most from their insurance coverage. They have experience filing the paperwork necessary to handle the fire insurance claim, and they are usually former agents of insurance companies, so they know the tricks they are fighting against.

Most importantly, you don’t have to pay upfront for the assistance of a public adjuster in your case. They are paid as a portion of the settlement from your claim, from 5-25% depending on how extensive the claim was, and how much experience they have.

Continental Public Adjusters is proud to serve the entire state of Florida in handling property claims, and they have the experience to help you get the most out of your policy.

If you have a new property claim, or even worse if your claim is denied, delayed, or underpaid, you need an experienced public adjuster.

Continental Public Adjusters will do five key things for you:

1. Advocate : Our sole responsibility is to make sure you receive the maximum recovery for your loss.
2. Review : A comprehensive investigation helps us understand each specific type of loss. With our experts and consultants, we begin to determine the overall value of your property loss.
3. Estimate : Using the latest cost estimating software to prepare supporting documentation and provide it to your carrier.
4. Adjust : We will adjust your claim and negotiate with your insurance company adjuster to reach a settlement meeting your approval, in your best interest.
5. Maximize : We can foresee issues and obstacles in the claims process with the experience that comes from settling thousands of claims, and will work to reach your maximum benefit.

Start with a free consultation with one of our team members to learn about your options. Continental Public Adjusters, Inc. has 38 years of experience successfully settling thousands of claims related to both personal and commercial property in the state of Florida.

We invite you to call us at (800) 989-4769 or email us at info@contpa.com to receive your FREE claim review today

How Fire Insurance Adjusters Help with Fire Damage Estimates & Restoration Costs?

Mon, 22 Feb 2021 08:59:00 GMT

When you have a catastrophe occur and you need to file a claim with your insurance company, it is a stressful time. If the incident happened to your business, what will happen to your income while it is shut down? If it happened to your home, where will you live? Overall, how long will it take to restore normalcy, and how much will it cost?

When you have fire damage your property, there are a number of concerns that may not occur to you right away, such as:

1. Did the damage spread beyond the visible areas?
2. Was more damage caused than your property is worth (or more than your insurance covers)?
3. Will your insurance pay for replacing the items within your home?
4. How much will it all cost?

For these reasons and many more, it is important to have a Fire Insurance Adjustor on your side when you are dealing with your insurance company. In this article, we will discuss how a fire insurance adjuster can help you.

Unseen Damage Might Not Be Documented

Your insurance company will send an adjuster to survey the damage. Never forget that this is an individual who works for the insurance company and has their interests, not yours, at the forefront of their consideration.

Damage from a fire isn’t limited to what was destroyed by the flames. When a fire is put out, there is water damage from extinguishing the fire, and smoke and soot can ruin other items in your home. If you have an HVAC system, smoke and soot can spread to entirely unrelated areas of your home through the vents and ducts.

Just because a fire took place in your kitchen doesn’t mean that there is no damage to your living room. Carpets, curtains, drywall, and furniture can all be affected by smoke and soot. Thus, one of the considerations of the repair cost is treating this secondary damage from a fire.

Recovering From a Total Loss

A “total loss” in a property claim is rather like a total loss on an automobile in the way that either there was too much damage to repair or the total cost of the repair was more than the property was worth.

Your insurance company might pay to repair or rebuild your home, or they may pay out a lump sum in your total loss settlement. One of the things a Fire Insurance Adjuster will take into account when preparing your claim is “loss of use,” or how much it is costing you to make accommodations when your home or business is unusable.

Will The Insurance Company Pays for Replacing the Items in Your Home?

Yes, and no. If there was a total loss to the point where there is nothing left but the foundation, then hopefully you have documented all the items of significant value in your home. Having receipts for large purchases and appraisals for items such as jewelry and art help in submitting your claim, as does having regular videos of the interior of your home showing your possessions.

There is also a difference between replacement value and actual cash value. Most insurance companies will default to actual cash value, which means that they will pay for the cost of your items, minus depreciation. If you bought an expensive TV for a few thousand dollars three years ago, they may only pay you a few hundred dollars.

Replacement value hinges upon you replacing the items you have lost. You buy a new TV, submit the receipts to insurance, and they reimburse you. Fire Insurance Adjusters will help you with this and other parts of your insurance claim.

How Much Will Recovery From Fire Damage Cost?

There is no one solution to the cost of damage from a fire because each one is different. One of the primary things Fire Insurance Adjusters will do is help with the estimates of the damage and how much it will cost to repair so that you get the most out of your plan.

Including cleanup, disposal, and repairs and restoration from water, smoke, and soot damage, the bill adds up quickly. A small fire in a small home may cause $20,000-$50,000 worth of damage. A fire that burns a few rooms in a slightly larger home may be between $30,000-$70,000. A large fire that consumes the majority of a small home, or several rooms in a large house is typically over $75,000 and a total loss is dependent on the amount of coverage in the home insurance policy.

Having a Fire Insurance Adjuster on your side throughout the claim process will maximize your benefit after a catastrophic loss.

Elevate Your Claim Resolution with Continental Public Adjusters

Continental Public Adjusters is your go-to solution for property claims across the diverse landscape of Florida. With a wealth of experience, our dedicated team is here to help you maximize your insurance policy benefits.

Whether you're facing a new property claim or the frustrating scenario of a denied, delayed, or underpaid claim, an experienced public adjuster is your key to success.

Here are five compelling reasons why choosing Continental Public Adjusters is a wise decision:

Your Fierce Advocate: Our unwavering commitment is to secure the highest compensation possible for your loss.
Thorough Analysis: We leave no stone unturned in our investigation to understand the specifics of your loss. Our team of experts and consultants work diligently to determine the true value of your property loss.
Precise Estimation: Using cutting-edge cost estimating software, we meticulously prepare comprehensive supporting documentation and promptly submit it to your insurance provider.
Expert Negotiation: We skillfully manage your claim and engage in negotiations with your insurance company's adjuster to secure a settlement aligned with your best interests and your approval.
Maximizing Your Benefits: With the wisdom derived from settling thousands of claims, we can foresee potential issues and obstacles in the claims process. Our unwavering commitment is to ensure you receive the maximum benefits you rightfully deserve.

Start your journey with us through a complimentary consultation with one of our seasoned team members. With 38 years of invaluable experience successfully settling numerous claims, covering both personal and commercial properties in Florida, Continental Public Adjusters, Inc. is your reliable partner.

Reach out to us today at (800) 989-4769 or email at info@contpa.com to initiate your FREE claim review. Your satisfaction and peace of mind are our top priorities.

5 Reasons Why a Public Adjuster Will Negotiate Your Property Damage Claim Better Than You

Mon, 15 Feb 2021 09:05:00 GMT

Insurance is a bet made between the provider and the policy-holder. The insurance company is betting that nothing bad will happen, while you are betting that something will.

If you need to file a claim over the loss of significant property, the insurance company is going to try to hold onto every penny they can, and they have a team of experts on their side to do it.

So shouldn’t you have an expert on your side as well?

When you are negotiating a property claim, there is an extensive process to gathering and preparing information in a way that your insurance company will accept so that the claim goes smoothly. You don’t want to waste time trying to do things yourself, only to have property claims rejected because they were not presented properly.

A Public Adjuster is a representative who will work on your behalf and manage your claim with the insurance company. Read on for 5 reasons why a public adjuster will negotiate your property damage claim better than you.

1. Expert-Level Experience in Property Claims

After the immediate aftermath of the disaster which caused your claim, the public adjuster will get the process going to make sure you recover as quickly as possible from your loss. Having a Public Adjuster work on your claim for you will expedite the process of having the insurance company payout. That is because as they do their investigation and compile your report, they will add things that you wouldn’t have considered. Or, it is possible that they will see things that you would potentially overlook as a side effect of being too invested in your case to look at the details of your policy closely enough to realize what was covered to maximize your benefit.

2. Analysis of the Damage and the Loss Itself

Public Adjusters work for the policyholder and get paid when the insurance company pays out. Because of this, they are usually more comprehensive in the report they make regarding the damages than the person who suffered the loss, or the adjuster who works for the insurance company. They are trained to identify everything within your policy that you are entitled to receive support for, and they have a vested interest in making sure that you get every dollar owed to you. That is because they are paid as a percentage of the total settlement, usually between 5-10 percent.

3. They Are Experienced at Negotiating with Insurance Companies

Hiring a public adjuster is so much more than just hiring someone who will take care of the paperwork of filing a claim for you.

The insurance companies don’t want to pay out any more than they have to and will do their best to reduce the amount of your claim. A Public Adjuster will work to tip the balance and make sure that you, the policyholder, get the money that you deserve to recover from an emergency.

4. Software Tools and Programs

You may be able to report the damage yourself, and you may even have some knowledge of your policy so that you can make the appropriate claims of your loss. Yet, what you do not have is access to specialized software tools.

Public Adjusters use the same software that insurance companies do in order to process your claim. However, unlike the insurance companies, they don’t apply a standardized template to your claim. A Public Adjuster will work with you to use the estimation software and the information from their investigation to provide you with the most comprehensive analysis possible to accurately reflect your loss.

5. The Devil is in the Details

Public Adjusters have made a career of reading the fine print to make sure that your interests are represented as fully as possible. Very few home or business owners have read the entirety of their insurance policy, but your public adjuster will.

Depending on what is covered in your policy, the Public Adjuster will prepare to build estimates and something called a “loss of use” receipt, which considers the costs inherent in losing a home or a business property and what is necessary for the intervening time between the loss and rebuilding. They handle this fine print and paperwork so you can focus on the prospect of recovering from your loss.

A Public Adjuster is a professional who handles residential property claims every day, and who knows what the insurance companies owe to the policyholders. They will do a more thorough job than the home or business owner could when they are dealing with what could possibly be the most stressful event of their lives and can ease the burden of what can be a confusing and difficult process.

Why you need Continental Public Adjusters

Continental Public Adjusters is proud to serve the entire state of Florida in handling property claims, and they have the experience to help you get the most out of your policy.

If you have a new property claim, or even worse if your claim is denied, delayed, or underpaid, you need an experienced public adjuster .

Continental Public Adjusters will do five key things for you :

1. Advocate: Our sole responsibility is to make sure you receive the maximum recovery for your loss.
2. Review: A comprehensive investigation helps us understand each specific type of loss. With our experts and consultants, we begin to determine the overall value of your property loss.
3. Estimate: Using the latest cost estimating software to prepare supporting documentation and provide it to your carrier.
4. Adjust: We will adjust your claim and negotiate with your insurance company adjuster to reach a settlement meeting your approval, in your best interest.
5. Maximize: We can foresee issues and obstacles in the claims process with the experience that comes from settling thousands of claims and will work to reach your maximum benefit.

We invite you to call us at (800) 989-4769 or email us at info@contpa.com to receive your FREE claim review today.

Filing an Insurance Claim? Here’s How a Public Adjuster Can Help

Mon, 08 Feb 2021 08:05:00 GMT

No one wants to file an insurance claim. Everyone has heard at least one horror story of how someone paid into an insurance policy for years, only to walk away with hardly anything when they really needed it after a disaster.

In the aftermath of a storm or a fire, the last thing anyone wants to think about is all of the paperwork involved in filing a claim. Because the language in insurance policies can be difficult to decipher, and insurance companies want to settle for as little as possible, it can be helpful to have someone at the table to speak for the policyholder. When a homeowner or business owner needs to recover from the loss of a home or a business, they often hire a Public Adjuster , but what exactly does that mean?

What is a Public Adjuster?

A Public Adjuster acts on behalf of the policyholder filing the claim with their insurance provider, and they are paid as a percentage of the final settlement.

There are, essentially, three different types of claims adjusters: Company adjusters, Independent adjusters, and Public Adjusters. The Company adjuster will work directly with the insurance companies to handle claims regarding the policyholders. Independent adjusters also work for the insurance company, but they are contractors and not employees. Public Adjusters, by contrast, are hired by policyholders to act on behalf of their interests while the claim is being processed.

The Public Adjuster will assist in preparing the paperwork the insurance company will need to resolve the claim, including forms and photographs, make estimates of the losses and additional expenses, and may conduct their own investigation into the circumstances of the loss.

Because Public Adjusters are paid as a percentage of the final settlement, it is important to make sure that any calculations of the cost of repairs are factored into the amount the company must payout, so there is enough money after the Public Adjuster is paid their fee for acting as an advocate.

How to Choose a Public Adjuster?

It can be tempting in the wake of a loss to use the first Public Adjuster that comes up. But, there are unscrupulous people who will try to take advantage of people during that tumultuous time. Some key things to consider when choosing a Public Adjuster:

1. Licensing: Public Adjusters usually need to be licensed in the state of the loss. Ask to see the license number of the public adjuster you are considering if it is not published on their website.

2. Interview: Talk to the person you are considering giving the responsibility of acting on your behalf. You want someone you feel comfortable with, and if there is something that feels off, it may be a sign to continue shopping around.

3. Due Diligence: Look into the Public Adjuster you plan to hire and read the reviews or recommendations on their website. Ask if they have assistants or consultants they work with, such as engineers or architects who can help them make estimates of damages.

Red Flags to Consider

1. Asking for money in advance: It is a rule of a number of business relationships not to pay a deposit or a fee upfront, but that is especially true in the case of Public Adjusters. They get paid when you get paid, as a portion of the final settlement.

2. Promising money in advance: The other side of the pitfall of an adjuster asking for money upfront is if they tell you how much you can expect to receive, particularly if they have not yet had a chance to review your policy or the details of your loss. Every insurance claim is different, and no matter how long they have been in the business, they will need to look at the factors involved before they can make any estimates.

3. Soliciting your business: While not always a sign of something nefarious, if a Public Adjuster comes to your door after a natural disaster or a fire, they may not have your best interests at heart and may try to capitalize on your situation. Furthermore, when checking the license of the Public Adjuster, find out when they were licensed and if there were any natural disasters around that time. Sometimes regulations are relaxed in the aftermath of a catastrophe, and people get into the market who otherwise would not pass the required exams.

Shop around for a Public Adjuster with whom you will be comfortable. Be sure to walk away from anyone who uses high-pressure tactics to make you sign a contract or engages in other behavior such as encouraging you to falsify records, pushes you toward certain people or organizations for repairs, or asks you for your banking or other personal information.

Ultimately, it is in the Public Adjuster’s best interest to get you the greatest return, because they are paid when you are, and the more your insurance company is willing to settle with you, the more the adjuster is paid. If anyone is asking for money upfront or trying to refer you to repairmen who will give them a kickback, they are not the sort of Public Adjuster you want to have on your side, because they are looking out for themselves and not looking out for you.

Discover the Excellence of Continental Public Adjusters

Continental Public Adjusters is your premier choice for managing property claims throughout Florida. With a wealth of experience, our dedicated team is committed to helping you maximize your insurance policy benefits.

Whether you're grappling with a new property claim or facing the challenges of a denied, delayed, or underpaid claim, an experienced public adjuster is your key to success.

Here are five compelling reasons to make Continental Public Adjusters your partner:

Your Ultimate Advocate: Our unwavering mission is to secure the highest compensation possible for your loss.
Thorough Analysis: We leave no stone unturned in our investigation to understand the specifics of your loss. Our team of experts and consultants work diligently to determine the true value of your property loss.
Precise Estimation: Using cutting-edge cost estimating software, we meticulously prepare comprehensive supporting documentation and promptly submit it to your insurance provider.
Expert Negotiation: We skillfully manage your claim and engage in negotiations with your insurance company's adjuster to secure a settlement aligned with your best interests and your approval.
Maximizing Your Benefits: With the wisdom derived from settling thousands of claims, we can foresee potential issues and obstacles in the claims process. Our unwavering commitment is to ensure you receive the maximum benefits you rightfully deserve.

Reach out to us today at (800) 989-4769 or email info@contpa.com to initiate your FREE claim review. Your satisfaction and peace of mind are our top priorities.