In Florida, it’s not unusual to get water damages in your space. Most people get their basements flooded due to heavy rain. Moreover, financially recovering from your space’s water damages can be challenging, which is why it’s best to have insurance. Additionally, a Florida public adjuster can guide you to recover maximum compensation from your insurance company.
What kind of water damages does home insurance cover?
Most standard home insurance policies cover water damages that are sudden and accidental. These types of water damage can be covered, depending on the type of home, condo, or renter’s insurance policy you have:
- Discharge or overflow of water
- Sewer backup
- Flood Damage
- Selected storm-related water damages
One of the most common questions people ask is, “Is ceiling water damage covered by insurance?” First of all, you should figure out what has caused the ceiling water damage; this also applies to a burst pipe. The cause will determine if your insurance company covers the water damage or not. If the cause is sudden and accidental, it’s most likely covered. If it’s gradual damage, your claim will probably get denied.
Tips on Water Damage Insurance Claims
When filing for a water damage claim with your insurance company, it’s important to make the most out of your chances of approval; so that you can get the payout you need. Here are some tips to increase your chances of getting approved:
Take proper documentation
Take as many photos and videos as you can of the water damage. The more details, the better. It’s also best to document the cause of the water damage if you can.
Hire a Florida public adjuster
The insurance company may recommend an insurance adjuster to audit the water damage, but you can choose your adjuster. Going with a public adjuster is at your advantage because they are unbiased and will help you provide the evidence to support your case.
Mitigate the damages
Included in your insurance policy’s fine print states that you must give your best effort to reduce further damages in your space. You don’t have to make permanent repairs, but you should start soaking up the water and removing damaged items from the space as soon as possible.
What to do when your water damage claim is denied?
If by any unfortunate case, your water damage claim is denied, you should ask for a full explanation of why they have rejected your case. However, if you think that your situation can use a second review, go for it. You can consider the help of a Florida public adjuster to help you in reviewing your claim.
Public adjusters are by your side when handling insurance claims making sure your claim is paid and handled fairly. If you need assistance with your water damage claims, you can call our office, and we’ll gladly help you out.