Filing a property insurance claim can seem like an overwhelming process adding up to a lot of time and energy you may feel like you don’t have. Maybe you’re not even sure the damage you have in your home or business is significant enough to warrant filing an insurance claim. The good news is Five Star Claims Adjusting is here to help. An adjuster can evaluate your home or business and help you decide whether to file an insurance claim. We’ve helped more than 30,000 of our Florida neighbors settle property insurance claims, and we can help you, too. Here are eight common types of insurance claims a Five Star public adjuster can help you resolve.
1. Hurricane Damage
Hurricanes can carve a path of devastation through homes and neighborhoods, leaving businesses and homes badly damaged and in need of repair. And Florida’s not alone. Tropical cyclones account for 63% of all property insurance claims in the US in 2017, according to an Insurance Information Institute (III) report. The III also states that from 1980-2017, Floridians experienced over $90 billion in insured property loss resulting from tropical storms and hurricanes. Hurricane Michael alone caused an estimated $5.8 billion dollars in insured property damage in Florida, according to the Florida Office of Insurance Regulation.
In the aftermath of the hurricane, Five Star adjusters were on the ground, helping home and business owners evaluate the extent of the damage to their property so they could receive a fair settlement from their insurance company.
2. Plumbing Leak
Another common reason to file an insurance claim is water damage. Unlike hurricane damage, home and business owners have no warning before a plumbing leak strikes. Worse, sometimes a leak doesn’t show itself until it has caused a lot of damage behind your walls. You might notice a puddle on the floor in the kitchen or bathroom, or a new stain on the wall or floorboards. Don’t wait to have this issue checked out; a leak left untreated can cause massive damage to your home or business.
3. Water Leaking from Air Conditioning
Most of us in Florida rely on air conditioning to keep us cool. Businesses can require air conditioning to cool computer servers and other equipment, and some people need cooler temperatures due to medical conditions. When the air conditioning system breaks and water spreads through the garage or area where the unit is located, fixing it can be critical. Five Star public insurance adjusters have handled a number of these claims for residents and local businesses.
4. Roof Damage
Maybe you first notice a shingle missing or out of place. Maybe it’s the ugly water stain on your ceiling that clues you in to the problem. Whatever the case, especially in Florida’s rainy season, a damaged roof needs attention fast. Though these types of claims often result from hurricane damage, roofs get damaged lots of other ways. It’s important to keep an eye on what’s happening up there.
Not only can mold be costly to clean up, it’s also hazardous to the health of anyone in the building, whether living or working. Long term water leaks create the perfect conditions for mold to grow. You may not even see it on the walls or surfaces in your home or business. Sometimes a moldy smell is the only indicator that it’s there. If you suspect you have mold growth in your home, don’t risk your family’s health by waiting to have a qualified professional like a public adjuster check it out.
6. Cracks in Walls or Foundation
Hairline cracks in walls, especially over doorways or windows, are common signs of the home settling and are often simple repairs. Cracks larger than ¼ inch wide with a jagged appearance can indicate a bigger problem. Horizontal cracks in your home’s foundation can also be an indicator of a serious issue. If you see cracks in the walls or foundation of your home and aren’t sure how serious they are, you may want to have one of our public adjusters take a look and evaluate the damage for free.
7. Fire Damage
The III notes that in 2017, “A structure fire occurred every 63 seconds, a home fire occurred every 88 seconds, and an outside property fire occurred every 51 seconds.” If your home or business has been damaged by or lost due to a fire, the last thing you want to be worrying about is filing an insurance claim and chasing the paperwork through the process of reaching a settlement. Having an advocate who represents you and handles filing your claim, negotiating with your insurance company to make sure you get a fair settlement to replace what you lost, can bring peace of mind to you and your loved ones.
8. Business Interruption
If a disaster or fire causes your business to be unable to operate, you need to know your insurance company will compensate you fairly. Five Star can help you file a claim for business interruption to cover the losses you experience until repairs are complete.
This is not an exhaustive list of the types of claims our public adjusters are trained to handle, but these are some of the most common property insurance claims Five Star adjusters deal with on a regular basis.
If you notice something amiss with your property and want an expert opinion, contact us at Five Star so we can send a public adjuster to evaluate the damage to your home at no cost to you.