Flooding and water can cause massive amounts of damage to your property when compared to other causes of loss. Moreover, insurance claims for water damage can be some of the most complicated when it comes to figuring out whether or not coverage applies or the amount of damage to your property that is covered. Certain types of water damage are excluded by the majority of insurance policies, and there are specific exclusions in the policies when it comes to water damage. For example, “wind-driven rain” may be excluded from coverage while other types of water damage are covered. Hurricanes and floods may be deemed as exclusions in certain insurance policies as “Acts of God,” and flood damage that is a result of water coming in from outside the insured property is generally only covered with flood insurance. If water damage affects your house and you file a water damage insurance claim, you may want to hire a public adjuster such as Mutual Claims Services in order to get the compensation you deserve. When it comes to water damage Miami residents may be all too familiar. Call us today for a consultation!
What To Know About Water Damage Insurance
The National Flood Insurance Program handles flood insurance coverage in the United States, and it is a federal program which is managed by the Federal Emergency Management Administration (FEMA). For flood insurance with stipulations (i.e “two or more acres, or two or more properties must be inundated with water to be considered a flood”) flood damage claims can become even more convoluted. There is also a clear distinction between mudslides and mudflow and what exactly is covered under flood insurance, and further stipulations regarding that portion. There are many complications when it comes to filing an insurance claim in order to get fairly compensated for the damage that you have paid premiums to insure against. This is why it’s so crucial for a victim of the water damage Miami residents are often hit with to file an insurance claim right away.
Tips For Your Water Damage Insurance Claim
It’s always a good idea to be proactive and be prepared for accidents and natural disasters. This is why homeowners purchase insurance for natural disasters such as wildfires, hurricanes, and flooding. Unfortunately in areas such as coastal Florida, hurricanes are becoming more frequent and powerful due to increasingly warmer temperatures. These storms are bringing large amounts of heavy rain, flash flooding, and wind damage. As massive amounts of damage can occur from hurricanes and tropical storms, determining insurance coverage as wella s the causes of damage and dealing with the insurance claims process can be an extremely complicated process. This is why a public adjuster such as Mutual Claims Services can help you negotiate with your insurer and guide you through the complicated process.
Contact Us Today
It is important to jump into action following water damage in order to be compensated correctly and in a timely fashion. This is why you should not waste time and immediately file a water damage insurance claim if your property has suffered the water damage Miami residents can be prone to. If you’re looking for a public adjuster to help you with your insurance claim, call Mutual Claims Services today for a consultation!