The Basics of Home Property Damage Insurance Claim You Need to Know to Protect Your Property in Florida

Your property is a very precious thing for you. You must have worked very hard to earn money to build your home. So, property damage can land you in great trouble. For instance—water can cause big damage to your home. In a state like Florida, water damage frequently occurs due to high rainfall and moisture levels. The reason is this state is so humid that the damage caused increases due to mold growth. If you see that your home has received damage from water, you may feel confused about what to do to overcome this problem. If you have an insurance claim that covers water damage, then you can consider filing a home property damage insurance claim in Florida.

What Steps Do You Need to Take for Your Home Property Damage Insurance Claim? 

• There are certain steps that you need to take throughout the process to ensure that your chances of compensation are maximized. Throughout the process, you should take numerous photographs of all the damages caused to your home. You may also need to move some items out of the damaged area, but you should take pictures of the damage before it changes if possible. 

• Some insurance policies contain responsibilities that you need to fulfill--- draining any standing water or working to prevent mold, so investigate your policy thoroughly to see if it contains these types of regulations. It is also important for you to note that, as per Florida Stat. 95.11, any claim filed for water damage must be applied within five years. If the damage was caused by a hurricane, the statute of limitations is three years instead.

• Mold can pose a big challenge to you after water damage has happened. In a humid climate like Florida's, mold can spread very quickly and cause severe damage to both your property and your health. You should take appropriate steps to prevent or minimize mold growth. 

• Once you contact your insurance company regarding your claim, you should maintain a record of all the papers and correspondence work. Remember that the insurance company is also responsible for handling the claim through certain procedures and timelines, so it is important for you to have evidence of the content and time of any communication with the company if a bad faith issue arises, such as your insurance company refusing to pay a reasonable amount for the damages incurred. Your claim may include Additional Living Expenses (ALE) if you are forced to live elsewhere while the damage is repaired. This can include hotel costs, transportation, storage, etc. If you are claiming compensation for these, make sure to keep all the receipts acquired for these expenses. 

At JS Marlin & Associates, we provide a professional, unbiased, third-party opinion, giving you a fair depiction of the property damage and insurance appraisal services in Florida.

Briefly Put!

Your home is an expensive possession for you. Get it insured by a reputed insurance company so that you can apply for a home property damage insurance claim in case your property gets damaged due to any reasons.