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All About Claims Adjusting
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.
Florida may be the Sunshine State, but we have our fair share of high winds and storms that can cause significant property damage. If your home is damaged due to high wind, your homeowner’s insurance policy offers some protection. Generally, you are covered for wind damage from weather events like tornadoes, hail, rain, lightning, and hurricanes.
Understanding how your policy offers protection against wind damage is crucial to be properly prepared for the unexpected because you will understand your coverage limits and know if you need to add additional coverage for a wider net of protection.
Let’s discuss the important ways in which your homeowner’s policy can protect you when the wind starts to pick up...
For most people, home is not only a haven from the outside world, but it is also their biggest financial investment. Unfortunately, house fires are extremely common due to cooking, heating/electrical systems, open flames from candles, and appliances.
Our public adjusters at Liberty Adjusters discuss how to properly file a residential fire claim so you can get the settlement that you deserve.
In Florida, roofers and other repair professionals have been able to be signed on to essentially manage claims for the policyholder often times through what is known as assignment of benefits (AOB). The result? Inflated claims and heightened volumes of lawsuits that have driven up insurance companies’ legal costs thus increasing monthly premiums for homeowners.
New regulations mean that roofing contractors can no longer solicit property damage claims, or risk a $10,000 fine for each violation. Our public adjusters discuss how this impacts roofers and homeowners in Tampa Bay.
Hurricane season has officially begun and while mold is not usually something that you might think about when preparing for a hurricane, prevention could save you thousands of dollars and heartache down the line if flooding occurs.
Stay safe this hurricane season! Our public claims adjusters discuss how to prevent mold damage and place a claim for your property if needed.
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…
Old homes can have a lot of charm. Unfortunately, cast iron pipes don't tend to contribute to it...
While old houses are full of charm, they also can be fraught with an array of problems, including ungrounded outlets, outdated HVAC systems, old windows, and one of the worst problems: plumbing issues.
The worst part is that a lot of the plumbing issues that your older home may have are silent. You might not notice hidden leaks until your water bill starts to climb, or you start to see visible stains or smell musty odors.
Unlike other states, hail is not something that we encounter often in Florida. But, as we have recently seen, when heavy thunderstorms produce hail, it can cause extensive damage to roofs, cars, windows, etc.
Was your roof damaged by hail? Here are the most important things to keep in mind when filing a hail damage claim in Florida so you can get the settlement that your property deserves.
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.
