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Is Mold Covered Under My Insurance Policy?
Knowing what is covered under your homeowners insurance policy is crucial knowledge in the event of a disaster or damage. If your home falls victim to flooding, a water leak, or mold, knowing the source is extremely important for insurance purposes. When reviewing your insurance policy, you will want to double check the difference between…
Cape Coral Residents Worry About Insurance Claims after Tornadoes
Since this month brought the west coast of Florida a series of unfortunate events with multiple tornadoes, some of the damage has left homeowners worried about filing insurance claims. According to Naples Daily News, 44-year-old resident, Nora Rosa, said that she is concerned about how much the insurance companies will pay her to fix the…
Cape Coral Public Adjusters Assess Recent Tornado Damages
2016 is off to a dismal start on the west coast of Florida. Just one week into the New Year and Cape Coral and Fort Myers have seen the effects of tornado touchdowns coming in from the Gulf. The very first weekend of the New Year brought a tornado that caused multiple trees and power…
Floridians Are You Prepared for a Hurricane Insurance Claim?
Luckily, Florida has dodged the bullet again, as it has yet to face a hurricane since Wilma struck the state in 2005. Instead of developing into a hurricane like the National Hurricane Center had expected, Tropical Storm Erika remained as such and then dissipated before it could climb the coast toward Florida. It is never…
Fire Damage from Arson: Michael’s Story
According to the Federal Bureau of Investigation, arson is defined as “any willful or malicious burning or attempting to burn, with or without intent to defraud, a dwelling house, public building, motor vehicle or aircraft, personal property of another, etc.” The FBI reports that over 50,000 arson incidents are reported each year in the United…
Selecting a Public Adjuster, Part 2
Outline the details of your policy and claim Is the level of your current insurance coverage appropriate for the property? Looking forward, are there any changes to the policy that need to be made? What are the details of my policy? How much coverage is allocated for each affected piece of my claim? What is…
Selecting a Public Adjuster, Part 1
Experience and results dealing with your loss type. Perhaps the most important key to evaluating a public adjuster is to evaluate the results they have produced in dealing with a loss like yours. How many years of experience? How many cases? What were the results of these cases? Ask for References “Trust, but verify.” The…
Bathroom Leak in Palm Beach: David’s Story
David experienced a bathroom leak from his family’s second floor bathroom. The leak resulted in damage to the bathroom, upstairs carpeting, and the downstairs living room ceiling and walls. David’s insurance company was quick to offer his family $4,749.00 for a total settlement. After the deductible and depreciation was applied, David was left with a…
Using Modern Technology to Investigate Claims
Advocate Claims Public Adjusters of Florida When you have a Florida Homeowners Insurance Claim, the Insurance Company is going to send an Adjuster to investigate the claim on behalf of the insurance group. The policy and laws state that the Insurance Carrier is responsible to fully investigate the claim. Almost without fail, insurance companies in…
Florida Insurance Claims Need Proper Investigation
A reasonable investigation of all conditions to find damage, is the obligation of the Insurance Company Adjuster. Adjusters should never turn a blind eye, but all too often, this is exactly what Advocate Claims finds when taking on the task of being a Public Adjuster who represents the policy owner only. As the home or…
