See how to avoid common pitfalls in filing insurance claims and ensure a smooth process. Plus, tips for hassle-free claims from Liberty Insurance Adjusters.
Insurance Claims 101
If you experience damage to your property, you’ll have to submit a claim to your insurance company. This process can be long and complicated, especially if you go it alone. If you are filing a claim, it’s important to know what to expect as a policyholder!
The public adjusters here at Liberty Adjusters are here to place your claim or walk you through each step of the claim process so you’re prepared. What to do, what not to say, and when to lean on the support of the experts when/if the insurance is giving you the runaround. Or, we can handle the claim from start to finish for you!
Welcome to Insurance Claims 101!
Independent Adjuster Vs. Public Adjuster: What is the Difference?
Filing an insurance claim can be a tough process, with so many different aspects to analyze, it’s easy to feel overwhelmed. Making a mistake can cost you time and money, and sadly in some cases, end up in a denied or undervalued claim.
When property damage occurs, you may expect to work with your insurance and their independent claim adjuster partners, believing that your monthly premium payments will be enough to have them on your side, but that is not always the case. As a property owner, you have options!
Today, the experts at Liberty Insurance Adjusters will go over some things you should know first and explain the difference between an independent adjuster and a public claims adjuster. If you’ve experienced damage at your home or business, don’t go it alone. If you need help, contact a professional about your claim to get the maximum settlement to make things right
Tenant Damage: Is it Covered by Homeowner's Insurance?
You’re renting your property, and that can be stressful! Aside from all the other duties you are juggling, there’s always the threat of property damage taking your time and money. From typical wear to an angry evictee, damage from a tenant can come in all shapes and sizes.
Our public adjusters go over what damage is and isn’t covered, and give you some tips on how to avoid the damage from occurring in the first place!
I Let My Homeowner's Insurance Lapse. What Happens Next?
A homeowner’s insurance lapse can happen even to the best policyholders. An oversight or failed automatic payments can cause a lapse in your coverage due to nonpayment. Though your coverage should be reinstated once you pay your past-due insurance bill, it isn’t always that simple.
If your homeowner’s insurance policy lapses even for just a day or two, any damages that may occur to your home during that time, due to a fire, storm, or burglary/vandalism could leave you without coverage to pay for the damage.
So, you let your homeowner’s insurance lapse. What happens next? Our public adjusters explain.
Property Management Partners: Working Together on Claims
As a property manager, you wear many hats in your daily routine. But what happens if a disaster wrecks a property you manage?
If a storm or other catastrophe strikes the apartment, condo, or rental home you oversee, it is crucial to contact a public adjuster as soon as possible. Public adjusters thoroughly inspect your rental properties to ensure that you get the settlement necessary to complete repairs.
At Liberty Insurance Adjusters, our team can help you manage property damage claims on all your rental properties. Here's how:
How to Avoid Non-Renewal of Your Homeowner's Insurance
Experiencing the ups and downs of non-renewal of your homeowner's insurance policy. Here’s how to handle it.
You pause momentarily when the word “non-renewal” floats off the page in that letter from your homeowner’s insurance carrier. Why is this happening? Did you file too many claims?
Our public adjusters at Liberty Insurance Adjusters weigh in on how to avoid non-renewal and what to do if it happens to your insurance policy.
Roof Claim Denied for 'Wear and Tear'. Now What?
Was your roof damage claim denied due to “wear and tear?” This is one of the most common reasons that insurers use to deny claims. Normal wear and tear happens as your roof ages and is almost always excluded by the terms of your insurance policy.
That doesn’t mean that you should just accept the denial of your claim and move on. In many cases, the insurer’s decision is baseless or uninformed as the insurer’s adjuster might have failed to consider the facts that point to a covered peril as the culprit of the damage.
So what happens next? Our public loss adjusters explain…
Sinkholes & Your Homeowners Insurance: Are You Covered?
To put it simply, most of us dream of waterfront property, but just not under these circumstances...
Sinkholes can occur slowly or abruptly open up. Since Florida faces many more sinkholes than any other state, legislation has required Florida’s insurers to provide special endorsements and policies that specifically cover sinkholes.