Florida being surrounded by the ocean is incredibly vulnerable to property damage and faces many unique natural threats. With that being said there are important policies of your insurance you want to ensure are included to cover potential property damage claims.
Below we list off some of the most common claims we see and how you can best protect yourself, your family and your property.
Water and Flood Property Damage
As expected, water damage in Florida is common and caused by many things. Then to follow the mismanagement of cleanup can produce rot, mildew and mold.
- Leftover rainwater
- Storm damage
- Plumbing malfunctions and pipe bursts
- Faulty appliances (dishwashers, washing machines, refrigerators)
Theft and Vandalism Damage
Burglary and vandalism are very common in most parts of Florida. (We see the bulk of it in the tri-county area: Miami, Fort Lauderdale, and West Palm Beach) If your home or belongings were stolen or criminally damaged, you should document the damage and contact your insurance company right away. Make sure you keep an inventory of what was taken.
Exterior Wind Property Damage
Again, storm damage can commonly lead to exterior damage most commonly from heavy winds, falling trees, or other debris.
Damage claims can become complicated very quickly, and insurance companies look for reasons to deny your claim:
- Your roof is old
- You did not mitigate damage outcomes
- You only need a partial repair and not a full replacement
Hire a Public Adjuster in Florida
If your property has suffered damage please contact our team for a consultation on how we can help you get what you deserve with minimal displacement.