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.