One of the most common aftermaths of hurricanes in Florida is roof damage. It leaves wreaking havoc on the roof of your homes. Many homeowners are unsure about filing insurance claims on roof damage in Florida as the process can be quite problematic. A public adjuster can help you in the process.
To home insurance companies, they considered the roof as an integral part of any residence. Consequently, it is also prone to hurricane damages. Insurance companies in Florida carry insurance claims on roof damage. They review roofing claims carefully and expect homemakers to provide some documentation and other related information for them to process your insurance. Some insurance companies are adhering to policies. It is necessary to be well-rounded with the things to know before filing a claim for roof damage after a hurricane.
Know your roof coverage
The age of your roof is one of the factors to know whether an insurance claim will be covered or not. Alconero and Associates—public adjuster in Florida can examine your roof damage as soon as possible. Usually, insurance companies have some rules regarding the age of the roof and what is the corresponding coverage it provides, if any.
Depreciation is a big deal in here as roofs depreciate over time. Clients need to know the different kinds of property coverage: Replacement Cost Value (RCV) and Actual Cash Value (ACV). RCV covers replacement cost depreciation that you can get the full amount to replace or repair your roof minus your deductible. On the other hand, ACV will not cover depreciation.
Be aware of your deductible
Find out what’s your deductible by asking your agent or having personal access online. Your deductible can either fixed dollar amount or a percentage of the overall dwelling, not just the claim. Knowing your deductible as soon as possible allows you to realize what you’ll have to payout.
Make sure your roof is damaged
When filing for an insurance claim, your insurance company will schedule for their adjuster to assess your roof damage. If their adjuster finds that you don’t have roof damage in Florida, it can make your premiums raised. So before filing an insurance claim, consult Alconero and Associates—public adjuster in Florida to do a free assessment to your suspected roof damage. They can assess whether you need to file a claim on your roof damage or not because there are instances where there’s no need for you to file one.
You are only delimited for a year to issue for an insurance claim
You are only given one whole year from the date when the hurricane hits your home to file for insurance claims. After a year, insurance companies will not cover the replacement cost of your roof. Don’t hesitate to consult Alconero and Associates—public adjuster in Florida for further details about the duration of your insurance claim.
Choose contractors with expertise in insurance claims
Have an estimate coming from a roofing contractor before you can determine the scope covered by an insurance of your roof damage. Your roofing contractor is a great help for you to navigate your way through the roof insurance claims process. Roofing companies employ a public adjuster who is capable of dealing with your insurance claims on your behalf. Seek for roof contractors with renowned experience in providing roof estimates for your insurance claim and who help you to navigate the process of getting your roof repair or replacement covered by the insurance company.
Roof damage in Florida done by a hurricane can be bothersome and often lead to further problems that include water damage, molds, and issues that may arise from a leaky roof. It is necessary to take immediate measures to prevent more damage.
How can we help?
Elicit the help of Alconero and Associates—public adjuster in Florida if you have already filed a claim and your insurance company denied or limiting your coverage. We can determine the next steps towards maximizing your insurance claim on roof damage that you deserve.
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.
