When dealing with flood damage in Florida, you’re going to need all of the help you can get. You may have property flood insurance to fall back on, but you’re not always guaranteed the funding you need, and you certainly cannot expect reimbursement to put you back into the condition you were in prior to the flood event without professional claims help. As your reliable partner, Altieri Insurance Consultants Tampa is here to help you make the most of your damage claim with these tips for getting the correct amount when you file:
1. Start Filing Immediately
Filing your flood damage claim as soon as the hurricane subsides will help you collect insurance funds quicker and before damage accelerates. The longer you wait to file your claim the further down the adjuster inspection schedule you go, while damage naturally worsens over time. Insurance companies won’t cover the cost of damages that are due to negligence or delay in activating preventative measures. You will want to preserve evidence of damage for the adjuster to see; however, the dilemma becomes how long do you wait before you start clean up and cause yourself a problem when accused of interfering with your insurer’s investigation? Not understanding how to manage these uncertainties can hurt your chances of receiving a sufficient claim payment.
2. Hire a Public Adjuster
Not all property owners are expected to know every minute detail in handling an insurance claim. That’s why it’s best to call an experienced public adjuster the moment a flood hits your property during a hurricane. Letting an expert do all of the work from the beginning is a surefire way to receive a fair amount after filing your claim. Why take your chances when you can guarantee the best possible outcome by seeking professional assistance?
3. Read Between the Lines of Your Insurance Policy
Did you know that there’s a huge difference between flood damage and water damage claims? Many property owners don’t and then wonder why their damages aren’t covered, leaving them without the funds needed for repairs. Fully understanding your policy language and adjustment practices are the key to receiving fair compensation for flood damage after a hurricane.
Learn more > Water Damage In Miami: 4 Tips From a Public Adjuster
4. Keep Track of Everything
If you think insurers only want to see the larger priced items and small items are not worth tracking, you are wrong! Add them to your list. Everything counts towards claim payment, and you should not work against yourself by omitting items for no good reason. Insurance companies can be very particular about what you need in order to gain full coverage. They will want substantial proof of the extent of the damage and the right kind of documentation to agree that your claim presentation is accurate.
5. Exercise Your Right to Negotiate
To come out successful in any negotiation you must be knowledgeable of the subject matter. What expertise in negotiating insurance claims do you have? The insurance company adjuster is a trained professional to handle your insurance claim, from their (employer’s) carrier’s perspective. Do you truly have the knowledge and experience to overcome and influence a claims adjuster who says “NO!” Always match experts with an insurer and consult a professional public adjuster to help you advocate for what you are truly owed.
Altieri Insurance Consultants Is Tampa’s Trusted Partner For Hurricane Flood Damage Claims!
When facing flood damage after a hurricane, trust Altieri Insurance Consultants Tampa to assist you with your claim so you can receive the correct amount when you file. We have decades of experience in helping Florida property owners with our flood damage claims services, resulting in settlements far beyond what a novice person can achieve on their own. Call your local office today at 813-592-4838 to see what we can do for you when disaster strikes.
