FLOOD DAMAGE
Flood Damage Insurance Claim Adjusters
Am I Covered for Flood by My Insurance Policy?
Most homeowners do not know that flood insurance is a separate policy. When disaster strikes, they are surprised by the unfortunate news that their property and belongings were not covered.
If you’re not sure if you’re covered for flood, give us a call today. We offer free policy reviews with no obligation.
What Causes of Flood Damage Are Covered by My Insurance?
Flood damage can be one of the most expensive types of damage you could deal with. Depending on your policy you could be covered for flood damage due to storm surge or rainfall.
Am I Covered for Flood by My Insurance Policy?
Most homeowners do not know that flood insurance is a separate policy. When disaster strikes, they are surprised by the unfortunate news that their property and belongings were not covered.
If you’re not sure if you’re covered for flood, give us a call today. We offer free policy reviews with no obligation.
What Causes of Flood Damage Are Covered by My Insurance?
Flood damage can be one of the most expensive types of damage you could deal with.
Hurricane Damage Do’s and Dont’s
-
Ensure your safety and that of your loved ones. Evacuate if you are asked to do so.
-
Take pictures of the damage caused by the hurricane. This can help with insurance claims later on.
-
If you have to be outside, wear protective clothing, including sturdy shoes, long sleeves, and gloves.
-
Turn off your home's gas, electricity, and water supply to avoid further damage or hazards.
-
Clear any debris around your property that may cause further damage or injury.
-
Contact your insurance company and file a claim as soon as possible.
-
Seek assistance from government agencies or relief organizations if necessary.
Do's:
-
Do not use any electrical appliances that may have been damaged by water. This can cause electrical shock or fires.
-
Do not wade in floodwater as it may be contaminated with sewage and can cause illness.
-
Do not try to fix electrical or plumbing problems without proper training and equipment.
-
Do not go near downed power lines. They may still be live and pose a severe danger.
-
Make any repairs before you contact your Miami public adjuster
-
Do not throw away any damaged property until your insurance adjuster has assessed it.
-
Do not panic and rush to make repairs. Take the time to plan and do it safely.
Dont's:
What Happens When You Hire A Miami Public Adjuster?
When you hire a Miami public adjuster, you are essentially hiring an advocate to help you navigate the often-complicated process of filing an insurance claim for property damage. Here's what you can expect when you hire a Miami public adjuster:
-
Property Inspection: The first step that a Miami public adjuster will take is to inspect your property and assess the damage caused by the disaster. This inspection will help them determine the extent of the damage, which will be used to prepare a detailed estimate of the repair and replacement costs.
​​
-
Documentation: Once the inspection is completed, the Miami public adjuster will collect all necessary documentation related to your insurance policy and the damage incurred, including photographs, videos, receipts, and repair estimates. They will also review your insurance policy to determine the scope of coverage and identify any potential exclusions or limitations.
​​
-
Negotiations: The Miami public adjuster will use their expertise and knowledge to negotiate with the insurance company on your behalf. They will handle all communication with the insurance adjuster, ensuring that your claim is handled fairly and that you receive the maximum possible compensation for your damages.
​​
-
Settlement: Once the negotiations are complete, the Miami public adjuster will help you to review and accept the final settlement offer from the insurance company. If necessary, they will assist you with any appeals or further negotiations that may be required to get a fair settlement.
​​
-
Payment: After the settlement is reached, the Miami public adjuster will help you to receive the payment from your insurance company promptly. They will ensure that all necessary paperwork is completed, and the payment is received in full and on time.
Santos Public Adjuster does the following:
The most common causes of flood include
Heavy Rains
Storm Surges
.png){kind=small}
Flash flooding
Broken Levees
Flood damage can cause thousands of dollars in losses, so it’s important for you to act immediately to begin the recovery process.