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Understanding a Homeowner’s Insurance Lapse

Even the most attentive policyholders allow their coverage to lapse from time to time. A failed payment or minor oversight can cause coverage to expire due to nonpayment. Though usually your coverage is reinstated once the past due balance is paid, sometimes it isn’t that simple. If you allow your homeowner’s policy to lapse even for one or two days, insurance will not cover damages to your property from vandalism, burglary, a fire, or a storm. So, our experts on propert...

Avoiding Non-Renewal of Your Homeowner’s Policy

A non-renewal notice is a document provided by your insurance carrier to let you know they will not renew your policy once it expires. This document will tell you the effective date and reason they will not renew your policy. In some cases, you might be able to retain your coverage with your carrier by meeting certain conditions. But usually, this notice means you will need to purchase a new policy to protect your home. You might not have even done anything wrong. Sometimes policies...

4 Common Mistakes in Commercial Property Damage Claims

If your business has sustained damage from a flood, fire, or storm, you need to know the insurance claims process to begin the recovery process. Avoid claims surprises by calling a public claims adjuster in South Florida to notify your insurance carrier. Once the damage has been reported, a public adjuster will assess the damages and make any necessary temporary repairs to protect your business from additional damages. However, do not risk the success of your claim by trying to manage it alon...

6 Tips for Protecting Your Home from Vandalism

Unfortunately, cars, businesses, and homes are prime targets for vandalism. It is no secret that South Florida is famous for its world-class nightlife that people travel from all across the globe to experience. Sadly, it has become common for locals and tourists to vandalize other people’s property. From break-ins to graffiti, vandalism is a widespread problem in our communities. It evokes anxiety and sadness, creates heart-wrenching damages, and creates unnecessary and unfair expenses ...

4 Tips for Successful Insurance Company Negotiations

Negotiating is a part of life. Whether you are a homeowner dealing with an insurance claim settlement, a business professional trying to seal a deal, or a parent dealing with an angry toddler, it is critical to know how to negotiate. But negotiating is not something that comes naturally. Most people have difficulty negotiating because they do not understand how it will benefit them. Our public claims adjuster in South Florida offers the following practical tips for negotiating with your insur...

6 Things That Need To Be Replaced After Fire Damage

Technological advancements have made cleaning up property after a fire much more straightforward than in the past. However, cleaning items is not the best option after a fire or extreme heat exposure in some cases. Fire can damage some items so severely that it renders them ineffective and possibly dangerous. Our expert on property claims in South Florida presents the following things you should always work with your insurance company to replace if they have been damaged by fire: E...

4 Proven Methods for Speeding Up Your Property Claim Settlement

Life can get complicated when your business or home is damaged. You do not need the added stress of pressuring your insurer to speed up your claim settlement, but that is often the case. It does not seem fair, but you will be the most motivated to move a claim forward when your home or business is damaged. You can count on delays, contractors missing deadlines, necessary building materials being on backorder, or a million other circumstances slowing down your property restoration. When someth...

5 Common Problems for Homeowners During Property Damage Claims

Insurance claims are usually unavoidable when rebuilding a home after a significant loss. It can be traumatic enough just to get your family somewhere safe. Then comes the challenging claim reporting process, sifting through your personal property damages, and finding a contractor to make needed repairs. You will also be forced to work with your insurer’s property claims adjuster, who has empathy for your situation but does not have the same financial and emotional investment level as y...

How to Expedite a Property Damage Insurance Claim

It is not uncommon for insurance claims to take much longer than expected. Unfortunately, most insurers use this to their own advantage by requiring excessive evidence or dragging the process out intentionally to get a property owner to accept a smaller offer than they are entitled to receive. There are cases where insurers are not being malicious, but a claim is so elaborate that processing takes an extended period. No matter the situation you are dealing with, it is vital to know ...

Property Claim Insurance Inspections

Insurance claims for property damage are complicated to navigate without experience. Your insurer usually requires an inspection of the property damage to determine your claim’s validity and an estimated cost of repair or replacement. Most property owners are unfamiliar with how insurance claims work. It is not uncommon for people to have never filed an insurance claim in their past. Even when you have filed a previous claim, each one is different, and the circumstances can va...