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Is Mold Damage Covered By Homeowners Insurance?

  Mold damage can be extremely costly to repair, so it’s important to understand if your homeowners insurance covers it or not. In general, most policies do cover mold damage caused by sudden and accidental water damage. However, there are cases in which mold damage may not be covered, such as when the policy contains an exclusion for mold-related losses. It is important to read the fine print in your policy and understand exactly what is covered before you make a claim. ...

Understanding Reservation of Rights, Denial of Coverage & Non-Waiver Agreements

  You’ve just received a letter from your insurance company denying coverage for a certain claim. It also contains an agreement called "reservation of rights". It’s important to understand what these terms mean and how they might affect you before you take any further action. Here is an overview of reservation of rights, denial of coverage and non-waiver agreements. : What is a Reservation of Rights? A Reservation of Rights is ...

What to Expect When Making a Fire Loss Insurance Claim

  If you experience a fire loss, it can be an incredibly stressful and frightening experience. In addition to the direct physical damage caused by the fire, there can also be unexpected damages that are often overlooked during the claims process. To ensure you get the best possible outcome when filing your insurance claim, it’s important to understand what kind of damages you should expect when making a fire loss insurance claim.   Damage from Sm...

Making the Decision to Rebuild or Repair After a House Fire

  House fires can be a devastating experience, leaving people feeling overwhelmed and uncertain about how to move forward. One of the most important decisions that must be made is whether to rebuild or repair the home after a house fire. To make this decision, there are certain factors that must be considered. Let’s look at some of those now. Insurance Claims The first step in deciding whether to rebuild or repair your home after a house fire...

How an Engineer Inspection Could Impact Your Claim

  If you are in need of a public claims adjuster in South Florida, it may be wise to consider the services of an engineer inspection. A professional engineer's assessment can provide valuable evidence to support your claims case. In fact, many insurance companies require an engineer's inspection before they will process a claim. The inspection covers a wide range of topics, including structural integrity, building codes and standards, material quality, safety hazards, a...

How To Resolve Denied Fire Insurance Claims

  Experiencing a fire is one of the most traumatic and devastating events that can happen to a homeowner. When you are dealing with the stress of losing your home and belongings, it can be difficult to understand why an insurance company would deny your fire claim. In this blog post, we will discuss the reasons why insurance companies may deny fire claims and how to get help if your claim is denied. Why Do Insurance Companies Deny Fire Claims? When i...

Working with Preferred Contractors: Is Your Insurance Company’s Recommendation Reliable?

  When you have a claim, your insurance company may recommend a contractor or public claims adjuster to help you. While having an insurance company’s recommendation can be helpful, it’s important to be sure that the contractor is reliable and trustworthy. In this blog post, we will look at the benefits of working with preferred contractors and consider some factors to keep in mind when selecting one. What are Preferred Contractors? Pref...

Power Surge Protection: Does Your Homeowners Insurance Cover It?

A power surge is an electrical disturbance that causes a sudden increase in voltage. Power surges can damage your electronics and appliances. Some homeowners insurance policies cover power surges, but most don't. In this blog post, we'll discuss whether or not your homeowners insurance policy covers power surges and what you can do to protect your home from electrical damage. What Causes Power Surges? Power surges are caused by a variety of things, includ...

Proving Lightning Damage

If your home or business has been struck by lightning, you may be wondering how to go about proving the damage to your insurance company. In this blog post, we'll walk you through the process of proving lightning damage in Hillsborough County. There are a few different ways to prove that your property has been struck by lightning. The first is by hiring a qualified electrical engineer to inspect your property and provide a report detailing the damage. This is usually the...

The Advantages Of Working With A Fire Claims Expert

If you live in Polk County and have recently experienced a house fire, you may need to work with a fire claims expert. A fire claims expert is an individual who specializes in the process of filing insurance claims after a home or business has been damaged by fire. They will help you understand the process, provide guidance on how to file your claim correctly, and help you maximize your reimbursement from the insurance company. The Benefits of Working with A Fire Claims Exp...