Fort Lauderdale is a coastal city in Broward County Florida, with natural beauty and attractions that draw thousands of tourists every year. Fort Lauderdale is home to many rich and famous personalities as well as retired people living in well-appointed homes in areas like Riviera Isles, Seven Isles, and Idlewyld. Sectors like hospitality, retail trade, healthcare, and professional, scientific, and technical services, including boat manufacturing and maintenance, have created employment opportunities. The lovely weather and work opportunities attracts hordes of people to make Fort Lauderdale their home.
Along with buying a home comes the responsibility of protecting it with good home insurance. Some well-known insurance companies here are StateFarm, Great Florida Insurance, Universal Property and Casualty, Allstate, and Floridian Coastline Insurance.
A standard homeowners insurance policy provides coverage against perils such as fire, water damage, lightning, windstorms, hail, theft, vandalism, etc. Of these. water damage claims could occur quite often and be dangerous. Water damage causes great discomfort until it is resolved and can get challenging as well, so let’s try and understand it better. Your homeowner’s policy is made up of dwelling coverage and personal property coverage, among other types of coverage. In case the structure of your house is damaged by water, then dwelling coverage will cover the repair costs. If your personal belongings like carpets, furniture, or electronics are spoilt by the water then personal property coverage will pay for the cost of damage.
Remember, standard homeowner’s insurance does not cover water damage due to floods or earthquakes. You’ll need separate policies for protection from these losses.
Water can collect in your home due to pipe leaks, a wax seal leakage, a sewer line backing-up, or an accidental pipe burst due to water pressure, etc, and mold may start growing. While these are all covered by your home insurance policy, if it happens too often, your claims could be rejected. So be alert when you register a water damage claim and your insurance adjuster visits for an inspection. To cut down on their costs, the insurance adjuster may not assess all the damage correctly and attempt to reduce your claim amount. If the water damage is due to circumstances that are accidental and sudden but not gradual, you are better placed to claim insurance. Chances are that your claim may not be entertained if your insurance company feels that the damage is due to inadequate maintenance on your part. So, ensure that you conduct professional preventive maintenance of your plumbing regularly.
Dealing with an uncooperative insurance company can be quite stressful. What you require is a professional Public Adjuster like Experienced Public Adjuster to manage your insurance claim. Our team at Experienced Public Adjusters, Fort Lauderdale is both skilled and accomplished in dealing with water claims in Fort Lauderdale. Understanding the reasons of your water damage, matching it with clauses in your policy, and presenting it to the insurance company so that you receive the full settlement amount, is a part of their job.
As they are local and well-versed with the workings of insurance companies, Experienced Public Adjusters are your ‘go to’ people for insurance claims.