Four Types of Property Insurance Claims

Four Types of Property Insurance Claims

Four Types of Property Insurance Claims

Have you ever looked at all the coverages that are outlined in your homeowners' insurance policy?  Are you familiar with the damages and repairs that you are covered for in the event of an emergency?  Many policyholders are actually not aware of their own insurance coverages until they are going through the insurance claims process.  This can make the process more confusing and complicated, and sometimes this also lead to accepting lower settlements than what you truly need for restoration.   As a public insurance claims adjuster in Space Coast, FL, we assist many homeowners through the insurance claims process.  There are a few common types of property insurance claims.

Fire Damage

When your home has been ravaged by a fire, you may have lost everything.  From the structure of your home to your belongings, fires can devastate homes unless they are quickly controlled by the fire department.  Because of the devastating effects of fires, many homeowners file property claims to restore and rebuild their lives after they suffer from a house fire.

Hurricane Damage

In Florida, we are vulnerable to many hurricanes during the months of June through November.  During this time, many homeowners prepare their homes for the devastating effects of high winds, heavy rains, and potential flooding.  No matter how much some of us prepare, hurricanes can still cause extensive damage to our roofs, homes, and yards.  These insurance claims are also among the highest percent of claims filed in the state.

Water Damage

Do you notice water stains on your ceiling?  Do you suspect that your roof is leaking?  Water damage is also a problem that can cause many issues within your home that you may not even realize until it is too late.  Roof leaks are tough to detect until they penetrate through multiple layers of your roof, attic, and ceilings.  Water damage can also cause mold and mildew to grow, so you will want to file a claim to restore your home back to its safe and original state after water damages your property.

Theft and Vandalism

Many homes and businesses are vulnerable to theft and vandalism.   Whenever teenagers paint graffiti on the walls of your business or break windows at your home, you may want to file an insurance claim to pay for the damages.  To protect yourself against these incidents, you can increase security and border patrol of your property, which can help to deter criminals from these activities.

These are a few of the most common types of property insurance claims that homeowners file for settlements.  When your home, business, or property has been damaged by storms, fires, or other accidents, you will want to trust the assistance of a professional public insurance claims adjuster in Space Coast, FL.  Contact us to hear how we can help with your property claim today.