Hidden water damage is a genuine danger and consequence of water damage at a property caused due to a flood, a burst pipe, and a number of other external forces. It can be caused due to ruptures and leaks that often take place behind walls or under floors, where it is mostly not possible for policyholders to notice the damage.
Homeowners often struggle with detecting such hidden damage and then getting a settlement claim to make the necessary repairs to mitigate more damage. However, according to the new rules set by most of the insurance companies in Florida, a homeowner’s policy will cover the cost of necessary and reasonable repair due to direct physical damage caused to a property or dwelling because of undetected or hidden water loss. This also includes direct or associated damage caused due to the hidden damage such as fungi, mold, or any other microbial damage.
That said, the condition set by the insurance companies is that homeowners report this hidden damage within a period of thirty days from the date the damage should have been or was detected. In case that is done, the cost of the settlement will cover the testing, remediation, debris removal, and/or loss of use.
When it comes to getting paid by insurance companies for hidden water damage, you might find the process a bit tricky. A good Florida public adjuster, such as Alconero and Associates Florida Public Adjusters, can come in handy in this regard. A public adjuster in Florida is just who you need to ensure a fair and prompt settlement so that you can begin the repairs sooner rather than later.
For more answers and to assuage all your concerns, get in touch with Alconero and Associates Florida Public Adjusters at https://www.alconeroandassociates.com!
FLORIDA PUBLIC ADJUSTERS
INSURANCE CLAIMS PROCESS
EXPERTS IN INSURANCE CLAIMS
We evaluate existing insurance policies in order to determine wha coverage may be applicable to a claim.
RESEARCH
We investigate all detail, and substantiate damage to buildings and contents and any additional expenses. We also evaluate business interruption losses and extra expense claims for businesses.
DAMAGE DETERMINATION
We can determine values for settling covered damages. We will prepare, document and support the claim on behalf of the insured.
NEGOTIATION
We negotiate a settlement with the insurance company on behalf of an insured, negotiating dollar values and if not able we continue to appraisal or mediation.
What is a Public Adjuster in Florida?
A public adjuster is a professional insurance claims manager. Public adjusters are hired to file, document, and advise on insurance claims. They also represent the insured during the process of assessing a claim’s worth and validity and negotiate with the insurance company in order to get the claimant the largest possible settlement. Essentially, a public adjuster is an advocate for the insured, ensuring that claims are correctly submitted and processed, and then working with the insurer in order to obtain the insured a higher payout.
