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3 Things Your Standard Homeowner’s Insurance Policy Does Not Cover

3 Things Your Standard Homeowner’s Insurance Policy Does Not Cover

Depending on your geographic location, knowing what your homeowner’s insurance policy does and does not cover is crucial to being able to return your home back to normalcy in the event of an emergency. When a home suffers from wind, fire, hurricane damage, tornado damage, pipe bursts, and flooding, and homeowner’s face the unfortunate circumstance…

Evaluating Loss with a Business Ordinance or Law Exclusion

After a severe commercial property loss, one of the worst things that a business owner find out is that they have to rebuild their damaged structure to conform to new building codes. As a result, business owners might find themselves faced with costs that are out of their budget. Licensed public adjusters in South Florida…

The Difference between Replacement Cost and Actual Cash Value

Florida public adjusters want every homeowner to be aware of the residential insurance claim process, as there are many aspects and terms that are not easily defined by homeowners. One of those aspects is Actual Cash Value vs. Replacement Cost Value. In order to make these two concepts simple to understand, the expert public adjusters…

Assessing Your Property Insurance Policy for the New Year

It’s a new year and for South Florida residents, it has already brought a slew of tornadoes and torrential downpour. Sure, losing weight and saving money are great New Year’s resolutions, but have you ever thought to reassess your residential or commercial property insurance for the New Year? Your insurance needs change each year, and…

How Is Recoverable Depreciation Computed?

A lot of homeowners and business owners that Advocate Claims Public Adjusters come across wonder how to recover depreciation from an insurance claim. The very first thing that licensed public adjusters will tell you to do is check whether or not you even have recoverable depreciation. The majority of the time, a business or homeowner…

Can the Insurance Company Treat Me Differently if I Hire a Public Adjuster?

When the unfortunate time comes to file a residential or commercial property insurance claim, a lot of individuals wonder if hiring a professional to help streamline the process will actually hinder them in the eyes of their insurance company. Luckily, this is not typically the case. In fact, that great saying “the squeaky wheel gets…

Why Does My Insurance Check Have the Mortgage Company Name on It?

After going through the entire process of filing a homeowner’s insurance claim with your South Florida public adjuster, you may notice that your insurance check has your mortgage company’s name on it, and be curious why.  Although you may think you own your home, in reality, if you have a mortgage, the mortgage company has…

Steps to Filing Residential Property Insurance Claims

In the event that tornado, hurricane, wind, fire, or any physical damage is done to your home, filing a residential property insurance claim may seem daunting – but it doesn’t have to be. Steven Venook at Advocate Claims Public Adjusters in South Florida has been servicing property insurance claims on behalf of the insured for…

How to Find the Right Public Adjuster for your Business

If your commercial property gets damaged or destroyed and you file an insurance claim, be prepared to spend a significant amount of time on the claim process. Being patient during the claim process pays you dividends in the long run. “Documenting a claim” consists of listing and describing everything that was damaged or lost, and…

Maintaining Business Operations While Filing a Property Insurance Claim

Public adjusters in Florida want to assist you in making sure that your business can return to normalcy as quickly as possible while filing a property insurance claim, which is why the experts at Advocate Claims Public Adjusters have some tips for maintaining business operations during the claim filing process. Make sure that you have…