Best Hurricane Preparedness Tip: Protect your Windows

Each year as hurricane season approaches, homeowners in Florida get their homes ready for the worst, while public adjusters in South Florida prepare to step into action in the event a tragedy hits home – literally. As a Florida homeowner, there is a 99% chance that you have searched online for hurricane preparedness tips that include bringing all lose debris indoors or into the garage, making sure that you have plenty of flashlights, and stocking up on bottled water and canned foods. However, the very best hurricane preparedness tip is the one that will safeguard your home from other major damage – protecting your windows.

Hurricane Isaac

Advocate Claims Public Adjusters have extensive experience handling residential and commercial hurricane damage insurance claims. On top of making sure that you are fully equipped to file a property insurance claim, our public adjusters in South Florida know that protecting your windows is the best hurricane preparedness tip for home and business owners.

Why is it so important? Once a window is broken, the wind blows glass and debris inside, causing damage to the inside of your home. Once a window breaks, it also sends high mph winds swarming in your home, which is enough to put upward pressure on the roof and send it flying. After your roof has been torn off, the walls do not have as strong of a foundation and can collapse, thus leaving your home or commercial property destroyed.

Invest in window and door hurricane shutters. You may see some homeowners taping their windows; however, tape won’t do anything other than help try to keep the glass from flying into your home if it is hit. The South Florida public adjusters at Advocate Claims suggest that you invest in hurricane shutters. While they can be costly, they are mandatory for most Florida homeowner’s insurance policies. On the bright side, you can use them as a tax write-off, and in the event that you have to file a hurricane damage insurance claim, not having them cannot be used against you.

Advocate Claims is an A-rated, BBB accredited public adjusting agency in South Florida that offers no recovery-no fee services and no obligation consultations. Contact us today to go over your homeowner’s insurance policy, and to familiarize yourself on how to file a hurricane damage claim.

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The Right to Repair Struggle

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According to insurance policies, the general rule is that when an insurer elects to repair their damaged property, their insurance policy contract unknowingly gets changed to a repair contract. The important fine print to understand is that this repair contract has no limit of liability, but insurance companies rarely follow the terms in the agreement.

So, why is the right to repair only good if insurance companies send out their contractor but not from independent contractors? – Because the insurance company likely has a contract with the contractors, so that they receive a portion of the profit.

So, what happens? How is the right to repair such a struggle? – When you call your insurance company to file a homeowners or commercial property insurance claim, a public adjuster that is contracted with your insurance company is sent to the site to assess the damage, they then find bids from contractors whom have been used by the insurance company before, and then they strongly suggest them to the home or business owner.  Issues often arise when the insurance company recommends a contractor that is inexpensive and does not get the job done right or on time.

The right to repair is a struggle that public adjusters in South Florida are no stranger to. Your home or business suffers damage and immediately you call your insurance company to file a claim and get your home repaired as soon as possible. However, shouldn’t you be able to choose who completes the work? What if you already know of a family friend or reputable contractor that you want to use? Unfortunately, if you do not agree to use the contractors that are contracted by your insurance company, you may face a struggle when filing your claim.

The right to repair is what the public adjusters at Advocate Claims fight for when they take on a residential or commercial property claim. Regardless of whether you have already filed a claim and are dissatisfied with what the insurance company’s contracted adjuster is telling you, or you have recently suffered a loss and would like professional assistance outside of your insurance company, contact Steven Venook at Advocate Claims Public Adjusters and fight for the right to repair your property the way you want to.

Advocate Claims is an A-rated, BBB accredited public adjusting agency in South Florida that offers No Recovery-No Fee services and No Obligation Consultations. Contact us today for more information on your right to repair and how to make the insurance claim process streamlined.

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What Sets Advocate Claims Public Adjusters Apart from the Rest?

 

In 2014, the Bureau of Labor Statistics reported 315,300 licensed public adjusters, appraisers, examiners, and investigators in the United States, with roughly 800 practicing public adjusters in the State of Florida. When it comes to understanding what sets Advocate Claims Public Adjusters apart from the rest, it is important to know about the necessary skills every licensed public adjuster should have.

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1. A licensed public adjuster must have analytical and mathematical skills in order to evaluate whether the insurance company is obligated to pay a claim and calculate the amount that they should have to pay.

2. Since your public adjuster must collect a variety of information from different sources, they need to be able to communicate effectively with each respective outlet.

3. The key to getting the most out of your homeowner’s or commercial property insurance claim is by not skimping on the details. A professional public adjuster in South Florida should be extremely detail oriented because some of the minor details can be costly.

4. Perhaps the most important skill that a public adjuster must possess is people skills. Public adjusters are, more often than not, dealing with upset homeowners, commercial property owners, and managers. Great interpersonal skills are what give public adjusters a good name and a good stance in the community.

Advocate Claims Public Adjusters recently celebrated their 13th year in business. Steven Venook and the team at Advocate Claims know how important it is to keep the policyholder happy with the outcome of their insurance claim. Advocate Claims is an A+ rated, BBB accredited public adjusting agency in South Florida that offers no recovery-no fee services and no obligation consultations. Our public adjusters are set apart from the rest by our commitment to quality service and fighting as hard as possible to get you the highest possible insurance claim return.

Advocate Claims specializes in large luxury properties and condominium associations, and handles both residential and commercial property insurance claims. Our services cover the majority of South Florida, including Weston, Boca Raton, Miramar, Parkland, Lighthouse Point, and all the way south to Plantation, Florida.

Regardless of whether you currently need to file a residential or commercial property insurance claim, or simply need assistance understanding your coverage, Advocate Claims Public Adjuster is happy to help! Contact us today or visit our blog for detailed information on how to handle all forms of commercial and residential property claims.

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Insurance Claims for Commercial Hurricane Damage

Advocate Claims Public Adjusters have years of experience handling commercial property insurance claims for hurricane damage in the state of Florida. Hurricane season begins next month and will continue through November 30th. Is your commercial property adequately insured? Licensed public adjusters in South Florida recommend that you review your commercial property insurance to make sure that you have the proper coverage in the event that this hurricane season takes a toll on your business or commercial property.

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When purchasing insurance coverage to protect against hurricane damage, make sure that it covers roof damage, lost and damaged siding, broken windows, door failure and loss, projectile damage, moisture damage, and flooding. After you have received coverage, it is important to understand that when filing an insurance claim for commercial hurricane damage, insurance companies may try to find loopholes, exclusions, and stipulations to delay, reduce, or deny your commercial property insurance claim. Advocate Claims Public Adjusters work for the commercial policyholder in order to make sure that you receive rightful compensation.

If you live along the coastal regions of South Florida, like Lighthouse Point, Boca Raton, Delray Beach, Boynton Beach, or Palm Beach, Steven Venook at Advocate Claims can review your current policy and the steps to filing a commercial hurricane damage insurance claim. Advocate Claims is an A+ rated, BBB accredited public adjusting agency in South Florida that offers no recovery-no fee services and no obligation consultations.

Contact us today for help with filing your commercial property insurance claim, or to review your current policy and prepare for the 2016 hurricane season.

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Filing a Homeowner’s Insurance Claim for Kitchen Damage

As a homeowner, it is important to know where issues primarily arise in a home so that you can take measures to avoid them. Public adjusters in Parkland, Florida know that most Florida homeowners are concerned about hurricane damage since it is relatively unpredictable each year. Along with hurricanes, Florida homeowners worry about flooding from the year-round rains.

Advocate Claims Public Adjusters in Parkland want Florida residents to know the source of the majority of flooding insurance claims – kitchen damage. Yes, you may be worried about hurricanes and heavy rain, but have you had your kitchen appliances routinely checked to make sure that they do not break? You should, especially because the kitchen is the most expensive room in your home.

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According to a study conducted by Roto-Rooter, only eight percent of residential flooding homeowner’s insurance claims are caused by weather, 30% are caused by appliance failure, and 62% are caused by plumbing issues. Licensed public adjusters in Parkland, Florida recommend that you schedule routine maintenance for your dishwasher, refrigerator, garbage disposal, and have all kitchen plumbing checked in order to prevent having to file a homeowner’s insurance claim for kitchen damage.

– Dishwasher hoses and lines can leak or blow out during the middle of a wash cycle, causing kitchen flooding. Public adjusters suggest checking your dishwasher’s warranty and using it to your advantage when it comes to routine maintenance and replacing any hoses and lines.

– Kitchen pipes should be checked once a year in order to make sure that there are no leaks and they are not on the verge of bursting. A pipe burst can lose several gallons of water per minute, making it very easy to flood your home. Although pipe bursts are more common in colder states where they freeze, Florida homeowners should still have them checked on occasion for age, corrosion, and backup.

– Refrigerator ice boxes or any mechanical ice machine in your home may malfunction and flood. Since your refrigerator should come with a warranty, read the fine print and see if it includes any maintenance. If not, use the manual for steps on how to properly clean your refrigerator. If your ice machine is jammed or not functioning properly, be sure to call the manufacturer to send someone out to replace it before it leaks and causes kitchen damage to your floor.

– Garbage disposals become clogged very easily, and when connected to your kitchen sink can cause water to overflow out of each. Make sure that everyone in your household is being cautious with the items that they place in that side of the sink, and be sure to empty and clean the container portion found underneath the sink in order to keep it clean and free from debris.

When it comes to taking care of home damage, don’t get your insurance claim information from your plumber – call an expert.

Advocate Claims is an A+ rated, BBB accredited public adjusting agency in South Florida that offers no recovery-no fee services and no obligation consultations. Contact us today for more information on how to properly handle a residential flooding insurance claim from kitchen damage.

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What Causes Water Damage Insurance Claims?

Did you know that the majority of insurance claims come from water damage?

Water damage can be a costly repair for homeowners, so knowing the prime sources of water damage in a home is the key to taking measures in order to prevent having to file a water damage insurance claim. Advocate Claims Public Adjusters in Coconut Creek are licensed and insured to handle all of your homeowner’s insurance claim needs. Our public adjusters cannot only help you file a water damage insurance claim if necessary, but also provide a list of the prime sources of water damage in a home so that you can work on securing the areas/appliances in order to prevent water damage as much as possible.

Pipe Burst Water Damage

1. Air Conditioning: Moisture can accumulate in air conditioners, causing moisture pools in the ducts; this results in costly water damage to floors and walls.

2. Pipes: Much like air conditioning ducts, water pipes run throughout your home, so making sure that they are never backed up, clogged, or out-of-date is the key to preventing water damage. Licensed public adjusters in Coconut Creek recommend that you make sure that your water pipes are up to current safety codes. Code updates are not typically covered in insurance claims, so in the unfortunate event that you have to file a water damage insurance claim, your insurance company may not pay for the cost of repairs that includes updating water pipes to code. **specify which pipes

3. Washing Machine: If your washing machine seems to have even the slightest leak, make sure to get it checked out by a professional. A pinhole leak in a washing machine can result in a flood and a water damage insurance claim. Check your manufacturer’s packet and warranty to see what your options are.

4. Dishwasher: If you have ever turned on your dishwasher and noticed that it is leaking, just like your washing machine, you will want to check your warranty and have a professional sent out to fix whatever the issue is. Typically, a dishwasher leak causes water damage due to the supply or discharge line leaking. Set up a routine inspection of the connections and hoses in order to save yourself from having to file a water damage insurance claim.

Other prime sources of water damage in a home are: blocked sink drains, gutters, refrigerators and ice makers, water heaters, toilets, plumbing, and heating systems. Advocate Claims recommends having all appliances checked at least once a year in order to make sure that their connections are clean and their hoses or pipes are not blocked. Regardless of the source of water damage in your home, if you have to file a water damage insurance claim, Advocate Claims is an A+ rated, BBB accredited public adjusting agency in South Florida that offers no recovery-no fee services and no obligation consultations. Contact us today for more information on how to properly handle a water damage insurance claim.

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Commercial Fires: Fire Damage Insurance Claim Tips

In the unfortunate event that a fire causes damage to your business, the very first thing you should do is contact a public adjuster in Coral Springs, Florida before you contact your insurance company to report the claim. If you are a property manager, notifying a reputable, licensed public adjuster in your area will allow you to efficiently file an insurance claim for commercial fire damages.

Florida Insurance Claim

As a property manager, streamlining the claim’s process and returning your business property to normalcy as soon as possible is extremely important. So, the following are some fire damage insurance claim tips from Advocate Claims Public Adjusters in Coral Springs:

  • Contact a licensed public adjuster immediately so they can review your commercial property insurance policy to see when you have to file a commercial fire claim by.
  • Include the following in your fire damage insurance claim: date of loss, type of loss or damage, location of damage, any injuries, others involved, detailed descriptions of all damaged items, temporary repairs that needed to be made, a police/fire report, photos and video of all damages, and repair/replacement estimates.
  • Save all receipts for outsourced help and business downtime calculations so that you can also include it in your commercial fire claim.
  • Prepare your business’ books and records for interruption coverage (if you have it).
  • Remain in contact with your Coral Springs public adjuster while they handle filing your fire damage insurance claim for you.

Advocate Claims Public Adjusters know that commercial fires happen for all sorts of reasons, and making sure that they are covered by your commercial property insurance policy is important. Whether you simply need someone to look over your current policy with you, or you need to file a commercial fire insurance claim, our licensed public adjusters in Coral Springs can help! Advocate Claims is an A-rated, BBB accredited public adjusting agency in South Florida that offers No Recovery-No Fee services and No Obligation Consultations. Call us at 954-369-0573 today for more information on how to handle commercial property insurance claims.

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Filing a Hurricane Insurance Claim after Damage to a Warehouse

Whether you own a warehouse or warehouse storage facility, if it gets damaged from a hurricane you will need to file a commercial insurance claim for your property damages, business interruptions, financial losses, and anything else that your licensed public adjuster suggests you include in your hurricane insurance claim.

Warehouse Wind damage, Coral Springs, Florida

Advocate Claims Public Adjusters in Boynton Beach, Florida are licensed and BBB accredited with an A-rating. For over 20 years, our public adjusters in Boynton Beach have been handling hurricane insurance claims for warehouse damage. The following are the steps that you should take when filing a hurricane commercial insurance claim.

1. Take pictures of the damage – Advocate Claims Public Adjusters can help you assess the damage to your warehouse and take photos of structural damage and perhaps water damage.

2. Temporary Repairs – Not only can licensed public adjusters in Boynton Beach, Florida help you assess the damage, but they can also make sure that you find reputable contractors and companies to help you return your warehouse to normalcy after hurricane damage.

3. Business income – While filing a hurricane insurance claim after damage to a warehouse, it is important that you are able to show your business income in order to include business interruptions in your claim. Your public adjuster can help you submit evidence of your business income prior to the storm, and then evaluate the interruption loss after the hurricane.

4. Records – When it comes to filing a hurricane insurance claim after damage to a warehouse, not hiring a public adjuster will only do yourself a disservice. A public adjuster can walk you through the process and make sure that you have gathered all of the necessary records and receipts during the interruption period. Items like out-of-pocket expenses, utilities, advertising, salary, and more are able to be included in your commercial property insurance claim. A public adjuster in Boynton Beach will make sure that you have included every detail so that you can aim for the highest possible return.

Advocate Claims Public Adjusters in South Florida can handle your commercial property insurance claim for warehouse damage after a hurricane. Our public adjusters work on a No Recovery – No Fee standard and offer a No Obligation Consultation. We can not only handle your commercial warehouse insurance claim, but we know how stressful the process can be and work to alleviate the psychological distress it can have on your business and family. To start your seamless commercial property insurance claim, contact us today.

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Advocate Claims Handles Property Insurance Claims for Condominium Associations

Perhaps one of the most appealing aspects of owning a condominium is that, unlike a home, if you own a condo you are not likely to be solely responsible for maintaining its entire condition. So – what are the limits? What is covered by your condo association’s insurance policy?

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The majority of condominium association’s insurance policies come with the following basic coverages:

– Liability Protection – If you own a unit in a condominium complex and you trip and fall in a common area, that sort of claim would typically be covered by your condo association’s policy under liability protection.

– Property Coverage – Property coverage for condominium associations covers common areas that everyone shares, like the roof, elevator, basement, courtyard, lobby, etc.

– Other – The most important aspect to owning under a condominium association is understanding your state’s laws when it comes to the association’s required insurance policy for inside your unit. In Florida, you own from the drywall in. The condominium insurance is not going to cover anything from the drywall and inside your condo. So, popcorn ceiling would not be covered, paint is not covered, cabinets, appliances, etc. is not covered. Public adjusters in Delray Beach, Florida recommend that you purchase additional condominium insurance to cover everything from the drywall in.

Advocate Claims Public Adjusters in Delray Beach, Florida are licensed and BBB accredited with an A-rating. Our public adjusters recommend that you always request your condo association to send you a copy of the master insurance policy to review. If you need help reviewing your policy in order to file property insurance claims for your condo, our licensed public adjusters can walk you through the document, as well as handle the process of filing a claim for you.

The Delray Beach public adjusters at Advocate Claims offer No Recovery – No Fee services and No Obligation Consultations. Call our main office today at 954-369-0573 for questions regarding your condominium association insurance policy and how to properly handle filing a claim for a condo, and be sure to check out our client testimonials!

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Filing a Property Insurance Claim for Wildfire Damage

Homeowner’s insurance policies typically cover property damage caused by a wildfire, as does commercial property insurance policies. In the event that your home or commercial property suffers damage from a wildfire, you will need to decide what kind of insurance claim you are going to file for.

Advocate Claims Public Adjusters in Miramar, Florida are licensed and BBB accredited with an A-rating. Steven Venook at Advocate Claims worked for insurance companies years before becoming a licensed public adjuster in South Florida. Although wildfires may not be prominent, knowing the process for filing a property insurance claim for wildfire damage should still be something that you are prepared for, especially if you live in Miramar and more western areas of South Florida.

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Public adjusters in Miramar want homeowners to know that there are two types of wildfire damage claims that you can file for: either “partial loss” or “total loss”.

If your home or commercial property was only partially damaged and not completely destroyed by a wildfire or smoke, you will have to file a partial loss claim. Things to watch out for when filing a partial loss claim are hidden damage, inadequate or improper cleaning and repairs, and delays in your insurance claim.

Advocate Claims Public Adjusters can handle your wildfire property insurance claim so that you do not have to suffer the hassle of delays due to partial loss claims being a lower priority. Our licensed public adjusters in Miramar can also make sure that you find reputable contractors in your area to make adequate repairs and return your home to normalcy.

For questions regarding filing a property insurance claim for wildfire damage, smoke damage, or any other fire damage claim, contact us at 954-369-0573.

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