Filing Insurance Claim after Kitchen Damage: What You Need to Know

If you’re like many homeowners in south Florida, you’ve likely spent a lot of time making your kitchen the perfect place to cook and serve meals. Perhaps you’ve redone your cabinets, invested in granite countertops or installed an island, complete with a new stovetop.

The kitchen is a focal point of any home. It’s where people sit and talk when they visit you and where your family gathers in the morning and evening hours. You’re proud of your kitchen and the work you’ve put into it. But what if something happens to your home, such as wind damage, fire, water damage, a burst pipe, mold or even vandalism? You could see your dream kitchen destroyed in the process. When your kitchen is damaged you likely will contact your insurance, but filing an insurance claim after kitchen damage is not an immediate process. 

Individuals and families find that when it comes time to file an insurance claim after kitchen damage, they don’t receive adequate compensation to make the necessary repairs or replacements. You may need to overhaul your entire kitchen, but your insurance company may only be willing to cover the costs of replacing a single cabinet!

When you think about it, there are many different components to the average kitchen — and many of them are expensive to replace. This includes plumbing units, flooring, cabinetry, countertops, sinks and appliances. You need to be sure that, in the event of a disaster, your insurance company will reimburse you for damaged items.

In an effort to be proactive, you should make sure your policy reflects the true value of your kitchen and everything in it. Make sure your insurer knows about any appliances, new countertops or other items you’ve installed in the recent past. You should also keep detailed records of everything in your kitchen so that you’ll be prepared if you need to file a homeowners’ insurance claim sometime down the road.

If you need assistance figuring out exactly what is and is not covered in your current policy, consult an experienced Florida public adjuster. These professionals give you an unbiased review of your policy and help you determine if you need more insurance coverage. Public adjusters work for you, not your insurer, so you know you’re getting the best advice possible.

Finally, if you do need to file an insurance claim in Florida, a public adjuster can help with this process, as well. Although it’s always best to do your research beforehand to make sure your policy fully covers your kitchen and the rest of your home, a public adjuster can assist you with filing a claim to give you the best chance at success.

Advocate Claims Public Adjusters serves homeowners and business owners across the state of Florida, including the communities of Fort Lauderdale, Boca Raton, Hollywood, West Palm Beach, Delray Beach, Wellington and Boynton Beach. To learn more, call 1-954-369-0573 or contact us online.