Helpful Resources insurance claim help insurance claims

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 Insurance Companies Denials

There are a few common reasons why your insurance claims can be denied, they are:

1. Filing on a timely basis. Many insurance companies require you to report the damages as soon as possible in accordance to the terms of the policy.
2. Premium payments. Your claims can be denied if you are not consistent in your insurance premium payments.
3. Giving false information. Lying on your insurance application is unacceptable and will likely result in a denial.
4. Not enough information of the said damages. It is very important to give accurate information for the damages that were done to your property. It is your responsibility to give this information to your insurance company.
5. Exclusion clauses. It is also important to understand the exclusions in your insurance policy. Typical exclusions can include things such as: pool patio awnings or exterior paint.
6. Take preventative measures. As a policy holder, you are expected to protect your property after the damages. If you do not protect your property and more damage occurs, your claim can be denied. insurance claim help

  Individuals who think about water damage within their properties may not see the whole picture. These individuals often believe just about roof leaks or flooding throughout their home, but that is not the case. Water/floods can affect multiple areas throughout a structure that can deteriorate the whole property itself. These are some types of water damage that are seen in cases of property damage claims:

•  Backup in the sewage
•  Broken washing machines
•  Pipes Leak
•  Leaks in dishwashers
• Leaks in the toilet
•  Loss of personal belongings
•  Leaky Roof
• Mold
•  Flood

Water losses could be destructive and leave long-lasting effects in a person’s life, but the important thing is that it doesn’t take lives away. Sadly, every year, there are numerous individuals that become victims of water/floods, more specifically, drowning.

 Home insurance will likely not cover mold or mildew damage unless it was caused by a “covered peril.” They also don’t pay for maintenance because they believe that the homeowner could have prevented the damage. Unfortunately, some insurance companies are even getting tired of mold that they go as far as not even telling you that they don’t cover it. It is important to always check your policy.

If you do not have mold coverage on your insurance but need it, some policies can get you “buy-back” endorsements for mold claims. How buy-back endorsements work is that you pay a lot more money in exchange for a certain amount of mold coverage. You’re essentially, giving more money to your insurance company just to keep mold coverage.

Many insurance companies cover “acts of God,” but don’t cover normal wear and tear.  If your leaky roof is weather-related, you may have a good case for your insurance carrier. Read your homeowner policy to see if you’re covered but don’t call your insurance company just yet. It may be time to bring in a public adjuster.

As a Florida resident, you are well-acquainted with our states rainy weather. Constant downpours followed by heat from the sun’s rays add stress to a roof. Your roof can also fall victim to heavy wind. If your roof leak is caused by the elements, you may have a case for your insurance company.

 Fire consumes; it erases and destroys all you hold precious and valuable, but it often does more than reduce those treasures to blackened heaps. Smoke, firefighters’ water, and high temperatures can affect large swaths of your home or business in a fire.

Even a small, localized kitchen fire can reach far across your Miami home to leave unpleasant odors and unsafe electrical wiring in the walls of your home.

Further examples a larger structure fire can get into your roof and sweep across, weakening rafters far away from the fire’s source. A hidden electrical fire in a wall can cause a lot of invisible damage. Without the careful scrutiny of your agent from Select Elite Public Adjuster, you may never know the true extent of the damage done by fires.

After even a small fire, you may have questions. Does insurance cover fire damage? How will I be made whole again, with family mementos and furnishings destroyed? Will my insurance company help me account for everything, like lost work time, or hotel bills so my family has a safe place to stay?

With Select Elite Public Adjusters on the job, we will assess and estimate the value the fire damage so your path to fire damage restoration is faster and more efficient. We will:

• Meet at the fire site to evaluate fire damage
• Enter into a written agreement
• Safely and thoroughly examine every part of the structure affected by fire, smoke or water
• Estimate restoration costs involved in fire damage recovery
• Engage architects, contractors, designers and engineers to organize full restoration
• Document all fire damage using photographs and video
• Prepare your complete claim report, supporting every claimed loss with evidence
• Stay with you from initial appointment through final insurance settlement