Water Damage
Water Damage is perhaps the most common type of property damage and perhaps the most destructive type. Flooding from rain or burst pipes and prolonged leaks can cause extensive damage to basements, floors, ceilings and walls. Water can soak through carpeting, pores in wood floors, and drywall causing mold growth. If this happens, then a remediation service must be called immediately for water extraction and to prevent further damage to the home.
Most often excessive water absorption will lead to damage and the need to file an insurance claim. However, homeowners should be aware that the amount of damage sustained by a property dictates the amount of money the insurance company will pay out for it. Plus, there is a lot of comprehensive assessment that goes into proving water damage. Fortunately, property adjusters are their to rally on the homeowners behalf, negotiate claims, and get the best settlement possible.
Hurricane Damage
Hurricanes could strike at any time, and have enough force to destroy entire homes and neighborhoods. They are known to cause extensive water and wind damage. Water and wind can significantly damage a home’s foundation; a problem that must be repaired immediately to prevent collapse of the home’s entire structure. However, repairing a foundation stricken by hurricane damage can be quite expensive. This is where an insurance adjuster comes in. Property adjusters are experts who supervise and streamline the claims process. They also increase a homeowner’s chances of obtaining a reasonable settlement after hurricane damage.
Fire Damage
Fires are devastating. In a matter of minutes, fires destroy properties and many, if not all of their contents. Oftentimes, fire damage and/or smoke damage is irreversible or incredibly complicated and expensive to fix. This means an insurance claim must be filed to help pay for repairs or the costs to move. Luckily, an insurance claims adjuster can help with this process.
An adjuster will come in and take inventory of the damage and items that were damaged and take photographs and/or make a video showing the damages caused by the fire. They will also be able to do a loss assessment and leave the homeowner with an estimate for the cost of fire restoration (if the home can be saved). An assessment from an adjuster, photos and the estimate will go towards getting the homeowner the best settlement possible.
Flood Damage
Flood damage is common and commonly disastrous. Flooding can be defined as rapidly rising water that is caused by the onset of severe storms and torrential rains. Floods can destroy basements, belongings and even houses themselves. So, flood damage coverage in a home insurance policy is a must.
If flooding occurs, a water remediation company will have to called to clean the home and remove water, a restoration company will have to be called to repair damage, and the insurance company will have to be called to pay for all of this. However, a property adjuster should be called in as well to make sue all of this goes smoothly. The claims adjuster will confirm the validity of the claim, represent the homeowner against the insurance company, and make sure the owner receives the best settlement possible.
Call Us For A FREE Claim Analysis
855-771-1911
Roof Leak Damage
Roofs are vulnerable to damage caused by inclement weather or age. This damage manifests as holes, which in turn allows water to leak through whenever it rains. A leaky roof must be repaired or replaced – neither are cheap. Repairing or replacing a roof can cost thousands, but, luckily roof repair and replacement is covered under most home insurance policies.
All the homeowner needs to do to take advantage of this coverage is to obtain an estimate for replacement or repair from a professional roofing service. Then have a property claims adjuster visit their home to confirm the roof leak damage and that the estimate is correct. The adjuster will make any corrections where necessary then submit the claim to the insurance company. Any settlement that is received will be based off of the adjusters proposal.
Mold Damage
Mold damage or infestation often occurs after flooding or simply as a result of long-standing moisture in a home. Mold can cause a foul odor in a home as well as health hazards to its occupants. Health hazards include, allergic reactions, damage to the lungs or respiratory problems, flu-like symptoms, and in rare cases; fatality.
Infestations can grow out of control quickly, and may even be impossible to get rid of. It’s not uncommon for people to be forced from their homes because of a mold infestation. However, as complex as mold removal is, it’s possible and it’s covered by most insurance policies. The best plan of action is to call the insurance company then get a property claims adjuster out right away to assess the mold damage. The claims adjuster is there to determine the extent of the damage and make sure the homeowner gets what they deserve.
Plumbing Damage
Plumbing issues are literally some of the messiest issues to deal with in a home. Plumbing damage can be caused by bursts water pipes, sump pump failure, sewer backups, clogged drains, public sewer issues, and more. When a plumbing failure happens, it’s not an easy fix and it’s certainly not an inexpensive fix. The costs to repair any sort of plumbing, especially major plumbing lines and fixtures are some of the most expensive costs for homeowners.
Thankfully, homeowner insurance policies come with coverage for plumbing damage. Damages caused by plumbing disasters include flooding and mold growth. This can be assessed and confirmed by a insurance property adjuster. Property adjusters work on the homeowners behalf to streamline the claims process and ensure that claims are properly prepared and presented to insurance companies.
Vandalism Damage
Theft and vandalism are very real risks for any home in any neighborhood. Vandalism is defined as the intentional destruction of property. In most homes, this destruction includes having graffiti spray painted inside or outside of the home, having windows broken and having furniture or other items, inside or outside of the home, destroyed or damaged. After damage or destruction a homeowner may be quick to call the insurance company, but vandalism qualifies as a crime that is punishable by the law.
On the other hand, the perpetrator of the crime can also be sued for the costs of repairing or replacing property. Whatever the case, after vandalism occurs, photos of damaged or destroyed property should be taken to provide proof to the courts as well as the insurance company (if necessary). If a claim for vandalism damage can be filed with the insurance company, then they should be called along with a professional insurance claims adjuster. Property adjusters are not only able to help homeowners present their claim to the insurance firm, but they’re also able to give the homeowner advice on the best legal course of action to take.
