What Is Covered On Your Water Damage Insurance Claim?

What Is Covered On Your Water Damage Insurance Claim?

Your home recently got water damage. This is never a fun situation to deal with. The most significant stressor seems to always be whether or not your insurance will cover it. The team at Mutual Claims Services is here to help you with your water damage insurance claim. We want you to be fully aware when you can claim water damage coverages on home insurance. We are the experts on water damage Miami residents can trust.

 

It Is More Common Than You Think

Water damage is one of the most common causes of home insurance claims, believe it or not. According to ISO, Water damage claims are the second largest frequent insurance claim, following wind and hail damage. The percentage of claims due to water damage is also increasing, while other causes of damage have stayed fairly consistent or even decreased. It is no wonder people have a lot of questions about water damage and what is covered under your homeowner’s insurance, and why things, like “gradual damage” are not covered.

 

So, what are the different types of water damage? They are as follows:

  • Flood
  • Storm-related water damage
  • Sudden or accidental discharge
  • Sewer back up and overflow

If you are dealing with gradual water damage, such as leaking pipes overtime, seepage coming from cracks, or deteriorating parts of the rood, it is usually not covered by insurance.

 

What Is Covered In A Water Damage Insurance Claim?

There are some common questions people ask about what their home, condo or renter insurance covers, for water damage, here are a few of the most common questions:

  • Is a water leak covered by home insurance?
  • Is a leaking toilet covered by insurance?
  • Is water damage from a leaking roof covered by insurance?

The answer to whether these are covered or not depends on the source of the damage, the type of policy you have and if the water damage is accidental and sudden or gradual.

 

Avoid The Denial With These Tips

Maintain records of repairs and the professionals you have hired over the years to do maintenance. This may become very important in the event of a loss, and is good practice to keep as a homeowner.

Make sure you understand all the coverages on your policy and have a good understanding of the exclusions, as well as your responsibilities as a homeowner.

Do regular maintenance of your home every spring and fall to avoid surprises. Small repairs regularly will avoid large expenses.

Make sure you purchase the best insurance for your needs and inquire about extra coverages you can add that may be useful to you.

 

Call Us Today

You need an expert to help you with your water damage insurance claim. Experts put the importance of knowing what kind of settlement you want at the top of the list. This amount will come from the review of your insurance policy, receipts and other documentation which backs up your claim. When it comes to getting the compensation you need for flood damage. We have you covered. It does not matter if you already filed the claim, we know exactly how to reopen it. You can trust our water damage Miami experts. We also have all the homeowner’s insurance claims process information you need to get the money to cover all your losses. Trust us to get you the water damage insurance claim you deserve. Call or visit Mutual Claims Services today.

The Benefit Of Hiring A Licensed Public Adjuster

The Benefit Of Hiring A Licensed Public Adjuster

Dealing with damage from water is never fun. This can get very costly very if you don’t take the proper precautions. At Mutual Claims Services, we offer a public insurance adjuster who will get you more money you deserve. We are the best choice when it comes to a water damage insurance claim. Located in Miami, we are here for you!

 

Insurance Companies Are Not Your Side

An insurance company will never voluntarily pay more than an amount claimed by a policyholder. So if you suffer a loss, the scope of damages needs to account for everything needed to restore the property to “uniform and consistent” appearance. That is where licensed public adjusters can really prove their worth—using their extensive knowledge and experience to include claim elements that may not appear obvious to the untrained eye.

 

An insurance company will not likely say, “Oh, you forgot to include this.” Homeowners typically are not building contractors, so how will you know what to look for and include in the claim and ensure a uniform and consistent restoration. That is where we come in.

 

For example, a recent case involved a water leak in a kitchen appliance that damaged the hardwood floor with subsequent leakage into a finished basement. The obvious damage was to the floor, subfloor, basement ceiling, and walls. The insurance company’s claims adjuster noted all this, added up estimated repair and replacement cost and offered a settlement amount to the homeowner, who had a Homeowners insurance policy providing replacement cost coverage.

 

Our Public Insurance Adjuster Will Get Everything Covered

Public Adjusters are experts on property loss estimating and are hired by the policyholder to assist in documenting, negotiating and settling insurance claims. Public Adjusters handle every aspect of your claim from beginning to end, working closely with the insurance company to provide you with the most equitable and prompt settlement.

 

The license requirements for public adjusters can change for each state, according to the U.S. Bureau of Labor Statistics. While some states have fewer regulations, others hold lengthy processes such as graduation from a specific education program and passing an examination. Continuing education is generally a requirement to maintain a state license. Communication and math skills are general job requirements for public adjusters, and as clients rely on public adjusters to get the job done, they must be able to be assertive and persistent in order to figure out the actualities of a claims case.

Mutual Claims Services doesn’t sit around to see how your insurance company reacts to your claim. Instead, we directly engage them and work hard, on your behalf, to get you exactly what you are entitled to.

 

Call For A Water Damage Insurance Claim

You need an expert public insurance adjuster. Experts put the importance of knowing what kind of settlement you want at the top of the list. This amount will come from the review of your insurance policy, receipts and other documentation which backs up your claim. When it comes to getting the compensation you need for flood damage. We have you covered. It does not matter if you already filed the claim, we know exactly how to reopen it. You can trust our water damage Miami experts. We also have all the homeowner’s insurance claims process information you need to get the money to cover all your losses. Trust us to get you the water damage insurance claim you deserve. Call or visit Mutual Claims Services today for advice on hurricane insurance claims.

Tips for Successfully Filing a Water Damage Claim

Tips for Successfully Filing a Water Damage Claim

If you need to file a water damage insurance claim, you may be feeling overwhelmed or even stressed. Property damage of any kind can cause an endless amount of headaches and can end up costing you a significant amount of money. There are a lot of aspects that need to be considered when you are handling water damage in your home. On top of the damage to your home, the disruption of your daily routine can cause you and your family even more hardships. This is why handling a water damage claim the right way is imperative to making sure you get everything you deserve in the quickest amount of time. If you’re in the Miami area, Mutual Claims Services can offer you the help and guidance you need for handling these situations.

 

Successfully Handling A Water Damage Claim

The first thing that is important about understanding a water damage insurance claim is it is critical that you have the right type of homeowner’s or renter’s insurance. This is why it is imperative to thoroughly go through the fine print of your policy before purchasing it. However, once you have your policy, you need to make sure that you handle a claim the right way so you can get everything you are entitled to.

 

According to research the most common type of homeowner’s claim is for damage from water. This means that insurance providers are well prepared at dealing with these claims and they also know all of the loopholes they can use to pay less money to the insured party. This is why having a public adjuster that can help you navigate the process is essential.

 

The first thing that you want to do after there has been damage done to your home is to call your insurance company. It doesn’t matter if the flooding is from extreme rain or leaking pipes you want to make sure your insurance provider is aware of the damage from the very beginning. This will help eliminate any doubts or questions about the source of the damage. Notifying them promptly will also allow the claims process to move along at a quicker rate. When you call you want to make sure that you have your policy number and a complete copy of your policy. They will also ask you a number of questions about the damage so make sure you gather as much information as possible.

 

After your insurance company has been notified and you have taken pictures of the damage you need to make sure you take measures to prevent additional damage from occurring as well as secure any of your valuables. It is advised that your board up any broken windows or doors, put a tarp over any holes that are in your roof, turn off your water supply, and finally remove any freestanding excess water.

 

In order to get reimbursed for your damaged items, you want to make sure that you take a detailed list of any personal items that were damaged or destroyed due to the water. When you are making an inventory list, you want to make sure that you include the make, model, age, and condition of your items prior to the damage.

 

Contact Us

Mutual Claims Services in Miami can provide you with a public adjuster to help with your water damage insurance claim. If you’ve suffered from water damage, it is important 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!

Hurricane Victims Need To Understand The Nuances Of Flood Insurance Claims

Hurricane Victims Need To Understand The Nuances Of Flood Insurance Claims

Every year the citizens of Florida are vulnerable to hurricane season. During this time, many homes are susceptible to flooding that can leave properties damaged. This is a busy time for flood insurance companies. Mutual Claims Services are experts in flood insurance Florida. We specialize in hurricane insurance claims specifically for Miami. Dealing with these claims can be stressful and at times overwhelming. We are hoping to make these situations easier.

 

They Can Be A Nuance

Think of powerful storms like Michael, Irma, Charlie, and Matthew, these storms caused devastating damage to many properties across the state. When you look back at these catastrophes, many are left with many bad memories. For those who have flood insurance, we encourage you to review and pay close attention to your flood policy terms and conditions. The policies issued by the National Flood Insurance Program (NFIP) are unique because they fall under a Federal Government program with its own rules and regulations. Keep in mind that many private insurance companies resell and administer the NFIP policies.  So make sure you confirm if your flood policy falls under this program. We are experts on hurricane insurance claims, so you can trust out professionals.

 

Flood Insurance Florida

Let us explain the difference between a flood event and a water loss. This is important when it comes to insurance policies. The steps property owners take to comply with their insurance policies in regards to their property and flood claims can have a significant impact on how much they will receive and under what policy the loss will be covered.

 

If a hurricane blows your roof off or breaks your windows and water enters your home, you have a water loss claim. Examples can also include broken water lines, water that overflows from appliances, a hot water break, a ruptured ice maker, etc. These situations usually have to be sudden and accidental. for those who are covered for a water loss, a common mistake insured policyholders often make is to report them like a flood loss. While seemingly a flood to the policyholder, reporting a water loss as a flood is a sure bet to get you off to a wrong start with your property insurer.

 

As for a flood event, in order for it to be covered, they need to meet the following conditions: “A flood is a general temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow.” A flood loss occurs when water originates from outside a building or home. Generally, a flood loss results from rising water. However, If this water enters the building, it will not be covered under most standard insurance property policy forms.

 

Call Us Today

You need an expert in flood insurance Florida. Experts put the importance of knowing what kind of settlement you want at the top of the list. This amount will come from the review of your insurance policy, receipts and other documentation which backs up your claim. When it comes to getting the compensation you need for flood damage. We have you covered. It does not matter if you already filed the claim, we know exactly how to reopen it. You can trust our water damage Miami experts. We also have all the homeowner’s insurance claims process information you need to get the money to cover all your losses. Trust us to get you the water damage insurance claim you deserve. Call or visit Mutual Claims Services today for advice on hurricane insurance claims.

Steps To Reopen a Water Damage Claim

Steps To Reopen a Water Damage Claim

There was a powerful storm, and you filed your claim a few months ago. You received the amount you were hoping for when it comes to the settlement. However, after paying close attention to the details of the damage, you realized you missed a few items that actually make a big dent in your finances. It is your money and property and you need it covered. What do you do now? The experts at Mutual Claim Services are here to ensure you are aware of all the steps when it comes to reopening a claim after flood damage. We are the only experts to trust for water damage Miami.

 

It Is Time To Reopen

When a policyholder wishes to re-open their claim, the process usually begins with a visit from a Florida public adjuster. They arrive at your business or home to review all of the documentation you have regarding your claim. This documentation includes the policy you had at the time that the damage occurred, as well as the estimate you received from your insurance company and any records of the repairs that were made.

 

Should the public adjuster determine that your claim can be reopened, they will contact your insurance company. Following this, the adjuster will ask for a re-inspection of your home. If this is not possible, the adjuster can create a detailed estimate of the damages and submit it to your insurance company, who will then carry out their own inspection.

 

Flood Damage and Appraisal

Any homeowner wanting to re-open their property insurance claim will be asked by their insurance company to enter into something called Florida State Sponsored Mediation. This non-binding process may not work for all policyholders, as it offers them no representation, which is like representing yourself in court. The mediation process involves meeting with an insurance company representative and mediator, who is there not to settle the claim but facilitate understanding between you and your insurance company.

 

Another potential solution is the Appraisal process. Generally used for those policyholders who have claimed large in dollar value, Appraisal requires expert knowledge in the evaluation of claims. The insurance company will also hire their own appraiser. Together with a third individual, they review all of the involved documents and discuss damage differences and cost.

 

Call Us Today

You need an expert. Experts put the importance of knowing what kind of settlement you want at the top of the list. This amount will come from the review of your insurance policy, receipts and other documentation which backs up your claim. When it comes to getting the compensation you need for flood damage. We have you covered. It does not matter if you already filed the claim, we know exactly how to reopen it. You can trust our water damage Miami experts. We also have all the homeowner’s insurance claims process information you need to get the money to cover all your losses. Trust us to get you the water damage insurance claim you deserve. Call or visit Mutual Claims Services today.

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.