What Are Your Duties As An Insurance Policyholder?

What Are Your Duties As An Insurance Policyholder?

You have a number of responsibilities as an insurance policyholder that you need to make sure you are aware of before filing hurricane insurance claims or any other type of loss or damage. Mutual Claims Services in Miami wants to make sure that you have all of the information you need to handle the claims process as quickly and efficiently as possible. Making sure you know your duties and responsibilities will ensure that your insurance provider can’t blame you for any delays or denials.

 

Know Your Responsibilities As An Insurance Policyholder

When you sign any type of contract you are making an agreement with the other party involved, it is no different with an insurance company. The minute you sign a contract to work with them you are agreeing to meet certain requirements when filing hurricane insurance claims or any other claim that may come up. Although a majority of the work is left on your insurance provider as the policyholder, there are certain requirements you are required to meet in the event that a loss occurs. There are things like giving prompt notice of damage and contacting police if necessary that have to be done in order for the insurance company to start their half of the agreement. You also need to make sure you are documenting and keeping track of proof of loss and damage explaining in detail what happened and what the effects were. Failing to meet these requirements and duties can lead to your claim getting denied.

 

Although specific requirements and duties vary depending on which insurance company you have a policy with there are typically ones that usually every insurance company holds their policyholders to.

  • You must give quick notice of loss and damage to your insurance agents.
  • You have to call and notify law enforcement if there is a loss or damage caused by theft or another crime. The insurance company will ask for a copy of the police report.
  • You must take steps to ensure your property is protected from future damages. This means you have made any necessary repairs while simultaneously keeping a running record of any damages and repair expenses that you endured. This includes any costs that you had because of work you did or work you had a professional do.
  • You have to be cooperative with the insurance company while they are conducting their investigation for the claim. This means cooperating with any adjusters that are sent to assess the damage, loss, or any other aspects of your claim.
  • It is your responsibility to prepare and provide an inventory of any personal property that was damaged or lost. The inventory must include the quantity, description, and actual cash value. The insurance company may ask for bills or receipts that relate to the lost items.
  • You have to show allow the insurance company access to the damaged property as often as they required during the claims process.
  • You must provide any records or documents the insurance provider request and allow them to make and keep copies of anything they need.
  • An insurance company will require you to submit a sworn proof of loss document within sixty days of their request.

 

Contact Us For Hurricane Insurance Claims

Mutual Claims Services in Miami can provide you with insurance claims assistance to help you understand your duties as an insurance policyholder. It is essential to understand the best way to file a claim, so you receive everything you deserve. Call or visit us today to find out how we can help you!

 

Natural Disasters and How To Prepare For Them

Natural Disasters and How To Prepare For Them

No matter what part of the country you live in, you are always going to be prone to natural disasters. Whether you live seaside in Miami, or up in the plains of Kansas, you always need to be prepared for the unthinkable. These disasters can happen everywhere. Mutual Claims Services is here to inform you of all of these occurrences and how to prepare for them just in case. We are also experts in providing a water damage insurance claim.

 

You Can’t Predict The Unpredictable

A natural disaster is a natural event that causes significant damage or loss of life. They can be frightening and almost impossible to predict. The chances of surviving a natural disaster, and mitigating the damages that it will ensue, increase significantly when you are adequately prepared. While there are many generic items such as food, water, an emergency fund, and disaster kits that you can prepare in advance, there are also many things that will need to be done in accordance with specific disasters.

 

Types of Natural Disasters

  • Earthquake
    • According to the USGS, every state in the U.S. has experienced an earthquake. Earthquakes are one of the most unpredictable and damaging disasters.  There has yet to find a way to predict when an earthquake will occur with enough time to evacuate areas. Systems exist, but they can only give a few minutes warning to residents that a disaster is on its way.
    • What can you do to prepare?
      • Practice the “Drop, Cover and Hold On”
      • Secure items in your home or business that may fall over.
      • Add Earthquake Coverage to your property insurance policy.

 

  • Fire
    • Fires can be caused by many things including candles, cooking, flammable materials, appliances, arson, chemicals, gases, holiday decorations, fireworks, and even lightning. With so many ways for a fire to ignite, it is important to have a plan if you are affected.
    • What can you do to prepare?
      • Practice the “Stop, Drop and Roll” procedure, especially with young ones.
      • Have an escape route. You should have at least two ways to exit every room in a building. You should practice these escape routes to ensure that everything is in proper working condition.
      • If you are in an area that is susceptible to wildfires, be sure to keep the exterior of your home as safe as possible using these tips from gov.
      • Review your insurance policy and update it with any items that have been added to your property within the past year.

 

  • Flood
    • Flooding can happen year round. Think of intense summer storms, a rainy spring season, or a cold fall downpour can lead to severe flood and extreme water damage to your property.
    • What can you do to prepare?
      • Add flood insurance to your standard insurance policy through the National Flood Insurance Program.
      • Much to many policyholders’ surprise, flooding is not covered in a standard property policy.
      • Map out several evacuation routes. Flooding can cause many roads to be closed, so be sure to have multiple ways to get to the same destination memorized. Power outages and technology may fail in times of disaster, leaving you to depend on your memory.
      • A good rule of thumb is to plan for an emergency shelter in town, one destination out of town, and one out of state.
      • Consult with our experts when it comes to a water damage insurance claim.

 

  • Hurricane
    • Hurricane season typically lasts from June through October in Florida. Past hurricanes have taught us that you can never be too prepared so be sure to heed all warnings from officials without question. Unlike other disasters, hurricanes are much more predictable, giving residents in potentially impacted areas as much as 36 hours to get ready.
    • So what can you do to prepare?
      • Protect your property
      • Gather broken tree limbs and remove any branches that are hanging over your house, exterior buildings or vehicles.
      • Bring all lawn furniture and play accessories indoors, or anchor large ones to the ground.
      • Tarp any areas of your roof that are in need of or in the process of repair.
      • Fill all cracks in the foundation of your property to prevent water from entering and causing damage.
      • Board up windows.
      • Add appropriate coverages in advance.

 

Contact Us Today

When it comes to natural disasters, we know exactly how to help, especially when it comes to hurricanes and flooding. We are professionals in a water damage insurance claim. Miami depends on Mutual Claims Services. Call or visit us today for more information.

How Long Can It Take For Hurricane Claims To Process

How Long Can It Take For Hurricane Claims To Process

After suffering a catastrophic event, like a natural disaster, most people just want to get back to their lives as fast as they can. Unfortunately, this isn’t always the case. Especially when a significant loss claim. The length of time it takes for the hurricane insurance claims process to be complete depends on how your insurance company responds and what type of damage has been done. On average it takes two to three days to get a call back from an insurance agent after first contacting them. However, when trying to put in hurricane insurance claims, it could take even longer because of the natural disaster and the number of calls they are receiving. After the initial contact, it could take an additional three days for an insurance adjuster to come out to assess your property. Once a claim as officially been submitted the insurance company has 30 days to accept or deny your claim. Although these are mandated guidelines by the government insurance companies, don’t always follow through as promised. Over the past few years, the number of complaints about delays in communication and not hearing back from an insurance agency has risen from 3.05% to 4.13%. Having someone on your side that can help provide some advice is a great asset. Mutual Claims Services in Miami is a public adjuster who can help explain the entire claims process!

Why Can’t I Get My Money From The Hurricane Insurance Claims Process?

Trying to get in touch with your insurance company isn’t the only tricky part of this process. Getting a payout from hurricane insurance claims can be extremely stressful and take a while. Of course, the type of loss and the amount of the claim play a huge part in the delay of payment. Recent reports have shown that after a natural disaster, individuals that had greater losses had a harder time getting paid from their insurance companies. Some of the reasons for these hassles included disagreements over damages, disputes about coverage, and delayed payments. Slow payouts do nothing but add more frustration for policyholders looking to rebuild quickly. According to the National Association of Insurance Commissioners, this is the number one complaint about the claims process.

Not having insurance claim experience makes it difficult to know if your claim is being fairly considered and accurately paid. This is why it has become so easy for insurance companies to create roadblocks because most people don’t know necessary to fight with the company for what they deserve. However, there are people who can help reduce the frustrations and stress associated with this process. A public adjuster is an independent insurance professional that you may hire to help settle an insurance claim on your behalf. Bringing in a Public Adjuster can save you countless hours calling your insurance company and could result in you getting more money than you were originally expecting. It can also mean that your claim could get settled faster and more fairly.

Contact Us

Mutual Claims Services is a team of Public Adjuster that could help you move along your hurricane insurance claim process. We specialize in making sure our clients’ hurricane insurance claims are settled as quickly and as stress-free as possible. Call or visit us today to find out how we can help you!

How To Prepare For A Roof Insurance Claim

How To Prepare For A Roof Insurance Claim

Living in a sunny area like Miami comes with its perks, but it also comes with some disadvantages. Like the likelihood that at some point you will face some severe weather. It may just be a terrible rainstorm, or it could turn into a hurricane, but the truth of the matter is that it is inevitable. Things can get even worse fast when you find out that with that severe storm came damage to your roof. Filing a roof insurance claim can be tricky, especially when you don’t have all of the knowledge you need to put in a complete claim. For many people insurance claims are a lot of work there is a ton of back and forth with the insurance company, and it is very easy to get frustrated and want to give up, but this is when insurance companies will low ball their settlement offers or completely deny coverage because you are just so tired of the process. This is why it’s always a good idea to have someone on your side you can help you navigate through this process and take some of the burden off of you. Mutual Claims Service is a top company that can provide you the service of a public adjuster Miami. The job of the adjuster is to help you better understand what goes into filing a claim and how to get the most back from the insurance provider.

 

Tips On Filing A Roof Insurance Claim

Let’s be honest; not everyone is going to want to hire a public adjuster Miami when something happens to their home. Part of the reason is that they’re afraid of the cost that they will need to pay to have them on their side. However, it’s a smart idea to sit down and speak with someone and find out what your options are because you never know what loopholes they can help you find!

  • Find out what your policy cover: The fastest way to find out what is covered in your policy is to go straight to the source, your insurance company. Some policies take the age of your roof it to consideration at the time it is damaged. This means if your roof is less than ten years old you may be covered for the full cost of damages regardless of whether or not it needs to be replaced. However, if your roof is older than that, then there is a good chance you will only get some if any of the money to cover the repairs. There are also other ways your roof may be included in your policy. For example, so companies may offer to cover up to the depreciated value of your roof or just cover to repair the sections that were damaged.

 

  • Provide documentation: Proof will get you everywhere in life! Insurance claims are no different. Make sure that you take a set of “before” pictures of your roof and exterior property when the damage is done. Do not do any cleanup or maintenance before these are taken! You want to be able to send them into your insurance company once you file your claim. As repairs get done, take new sets of photos, so you have those to show them as well.

 

  • Pick a contractor with insurance expertise: Many contractors work solely on insurance claim projects. Before the insurance company agrees to pay anything they are going to require you to get an estimate from a professional contractor. Make sure that the person you choose has experience dealing with insurance companies because the process can be pretty drawn out so if you have someone who already understands that it can eliminate some stress from you. They will also be more aware of how the system works and the best way to get things covered by the insurance provider.

 

Contact Us

Mutual Claims Services can provide you with a Public Adjuster Miami that could help you move along your roof insurance claim. We specialize in making sure our clients’ insurance claims in the Miami area are settled as quickly and as stress-free as possible. Call or visit us today to find out how we can help you!

Will Insurance Pay For Your Slab Leak?

Will Insurance Pay For Your Slab Leak?

Are you the victim of a slab leak? While this term is common, it is commonly misconstrued. In most cases, this is where water appears on a building’s slab, which is the concrete on the ground level. The leak is either in plumbing inside or below the slab. This results in water entering from the building’s exterior. Once the water appears on the surface of the slab, it may have already consumed considerably larger damages. Whether or not your homeowner’s insurance covers the damage depends on many factors. Here at Mutual Claims Services, we are here to ensure you get the coverage you deserve. We know how to get you money for water damage Miami.

 

Some Claims That Are Not Usually Accepted

Do you currently live in an area that is prone to flooding? This is quite common living in cities near the coast of Florida. Because of this water may appear on your slab due to the result of general area flooding. If you have flood insurance perfect! The flood insurance covers the repair, and you are able to claim on that policy. The same can not be said if you don’t have flood insurance. Your insurance company will likely reject a claim on your homeowner’s policy for water damage that results from flooding, even if you live in low-risk areas where the insurance for flood is not required.

 

Claims That Are Accepted For A Slab Leak

What happens if you have plumbing running under or through your building’s slab and it randomly bursts? In many cases your homeowner’s insurance will cover repairs associated with the water damage. It may or may not include the cost of the plumbing repair, though. An insurance company may consider a leaking pipe as ordinary wear and tear. This is even if they pay for the resulting damage. You are sometimes still responsible for the plumbing. For more assistance on any confusion you may have, reach out to our professionals on water damage Miami.

 

Is It Bad Luck or Negligence?

Even if you are a responsible homeowner who maintains your residence and promptly repairs any of the building’s mechanical or plumbing services, pipes may still burst, and water damage may occur. If, however, you aren’t diligent about keeping your building in good repair, your insurance company may be less sympathetic when you file a claim for water damage. If, for example, you’ve noticed that water has appeared on the surface of the slab for some time and have just mopped it up until recently, when cracks appeared in that area of the slab, your insurance company may reject your claim entirely. The damage, it may argue, is either entirely or largely the result of your negligence.

 

You Must Up Your Chances

The second you notice a leak on your slab, file immediately. It is better to be early even if you are not sure that any actual damage has occurred. Your plumber may subsequently discover that a burst pipe has already weakened a section of structural slab, necessitating an expensive repair. If you are not sure where the water is coming from, but it does not appear to be the result of external flooding, note that on your claim flood damage is not covered by your homeowner’s policy.

 

Contact Us Today

When it comes to dealing with slab leak, we are experts with aiding individuals to get compensation for water damage Miami. Mutual Claims Services is here for you. Call us today for more information.

The Catastrophe Claims Process

The times following a natural disaster can be very stressful, and you will want to recover the damages to your property and home as soon as possible. If a wildfire, accidental fire, windstorm, flood, hurricane, or earthquake damages or destroys your house, and you had the proper fire homeowners, flood, tenant’s homeowners, or condominium insurance policy to cover the loss, you will be dealing with an insurance adjuster to figure out how to resolve the damages incurred. While it may seem overwhelming following such a major disaster to deal with the various steps of insurance, it is important to know how to navigate the insurance process in order to mitigate your losses and recover your property. After all, this is why you pay your insurance company. It is important to be informed when going through catastrophe claims in order to get the compensation you deserve. Mutual Claims Services is an insurance adjuster in Miami experienced in dealing with hurricane insurance claims and other types of claim adjustments. Call us today for a free initial consultation to get the compensation owed to you.

Steps in the Claim Process

There are a few things to keep in mind when it comes time to file and resolve your insurance claim. First of all, you’ll want to know what types of damage are exactly covered by your insurance, so that you can make sure they cover the situation that has damaged your property. Then, find out how long it will take to process your claim so that you can make and file the temporary repairs needed. You will also need to find out if it is necessary for you to obtain estimates for repairs. While you should take some steps to protect your property from further damage, you should wait on making extensive permanent repairs until a claims adjuster such as Mutual Claims Services has visited your business or home and assessed the damages. You should also keep records and receipts of what you’ve spent on repairs.

Preparing For An Adjuster’s Visits In Catastrophe Claims

The more information you are able to gather about your damaged property, such as descriptions of items damaged in the disaster and the approximate date of purchase of these items and what it would cost to repair or replace them, the faster your claim can be settled so that you can be financially compensated by your insurance claim. In order to prove your loss, prepare a list of any items that were damaged or destroyed and save a copy for the adjuster, along with copies of any receipts of the damaged items. Don’t throw out these items until the adjuster has visited. You should also photograph and/or videotape the damage for a thorough recording.

Next, list the structural damage made to your business, home, or any supporting structures. The adjuster will take a look at this list and take note of everything you show them. Your electrical system should also be checked, and most insurance companies will pay for this inspection. It is important to be prepared for an adjuster so that you can get your claim resolved as soon as possible.

Contact Us Today

Mutual Claims Services in Miami is a top insurance adjuster for hurricane insurance claims as well as a variety of other catastrophe claims and insurance settlements. Call us today to have your insurance claim adjusted.