Water damage assessments can be relatively clear on the surface. Furniture replacements will cost this, hotel stays during repairs will cost that. But the moment moisture seeps behind the walls, you’re going to need a second calculator. Your insurance claim value will depend on whether that moisture is new or old, and what your policy is willing to cover.
Moisture damage? You need to act fast. Call Altieri Insurance Consultants Jacksonville today for the partner property owners rely on!
The Line Between Neglect and Sudden Damage
It’s not uncommon for moisture to migrate its way behind the walls after a water incident, whether the disaster comes from burst pipes, a natural flood, or a storm. Knowing the difference will bring reason to your insurance claim value in Jacksonville.
Moisture behind the walls due to sudden water damage is often covered under certain policies, like burst pipe insurance.
Signs of gradual damage due to neglect, such as mold or rot, are often excluded from insurance claim values.
| Moisture damage from neglect can devalue an insurance claim all the way to zero, or by up to 37% of the overall assessment. |
Risk of Mold Exclusion
It can be difficult to determine whether traces of mold or mildew behind the walls are due to sudden water damage or long-term neglect of proper maintenance. In many cases, this is why insurers have been known to exclude mold damage from a claim altogether. When the result is a severely undervalued insurance claim in Jacksonville, this is when hiring a public adjuster for a second assessment can save you money.
Learn more > Mold After Water Damage In Tampa: Will Insurance Pay For It?
A Race Against Structural Damage
Regardless, moisture behind the walls leads to mold when left unattended. This can happen as quickly as the time you wait for your insurer to process your insurance claim. This is when the countdown starts, as any structural damage that occurs during the wait will make your claim more complicated, thus increasing the chances of an undermined insurance claim value. Always stay ten steps ahead by hiring a Jacksonville-based public adjuster the moment your property is damaged.
Evidence Is Harder to Come By
Insurance companies in Jacksonville have assessed properties at face value and have missed underlying damage like moisture trapped behind the walls. To ensure a fair and accurate insurance claim value, property owners will hire a reputable public adjuster in the area for a second inspection. Reliable public adjusters use professional industry technical devices like moisture meters to detect potential for hidden damage. These experts also know the best ways to collect evidence of these “invisible” occurrences.
Get Ahead of Moisture Damage. Call Altieri Insurance Consultants Jacksonville Today!
We’re your team of insurance experts for handling water damage claims near you. Reach out to Altieri Insurance Consultants Jacksonville today at (813) 247-4757 to schedule a meeting with an extraordinary team of reliable public adjusters you can count on for getting a fair amount for your insurance claim!
