Water & Flood Insurance Claims Prior to the 1970’s, damage caused by floods were not typically covered by the private insurance market. The devastation and extent of the damage that a flood can cause is severe and high risk for insurance carriers. Today, Jacksonville homeowners or commercial property owners are able to purchase a flood policy – these policies are entirely separate from your primary property insurance plans. Your property insurance does NOT normally cover flood damage claims. For residents of Jacksonville, flooding is a common reality, so it is almost always advisable to purchase a flood insurance policy for your home or business. As flood damage insurance claim Jacksonville public adjusters who deal with flood issues on a regular basis, we recommend you be familiar with the terms of your policy. That means reading, reviewing and making sure you understand the limitations of it. If you experience flood damage and must call a Water Damage Restoration company to dry out your property, you must also be familiar with the rules that FEMA uses to pay you back. You don’t want to get stuck with a massive bill since these flood damage claims Jacksonville restrictions are extremely strict and demanding. A water disaster can strike anytime anywhere. Generally, the occurrences are sudden and unexpected and the damages are often very difficult to detect depending on the specific nature of the loss. It has been widely reported in the insurance industry that the most frequent type of loss is from the water. Events such as pipe leaks, broken pipes, leaks from appliances, sewage backup, water entering from an opening in roofs and other high points of a building due to heavy rain are typical water losses that are covered under most risk property policies. For those who have had no prior experience in handling an insurance claim, the policy language can be very confusing at best. To receive fair compensation for a loss, it is important to have an experienced Jacksonville water damage claims person advising you as the method for adjusting such losses can be highly technical and impact the way the settlement is determined.

Sewage Damage Claims

When dealing with a Jacksonville sewage damage insurance claim, you should be aware of something called a Black Water Loss. The handling of this type of loss is completely different and requires special care and treatment. A black water loss results from sewage or other chemical toxins in the water being released into your home or business. Simply drying out this type of moisture is not going to rid your property of these issues. There may be life, health and safety issues that need to be addressed when cleaning up a black water loss. Good Claim Public Adjusters have the knowledge and expertise in handling all sewage damage claims.

Roof Claims Your roof is your first line of defense when a storm hits, and because of that, it can experience a lot of damage from many sources – wind, hail, fire, trees, and more. The wind damage insurance claim can run from complete tear-off to minor breaching and shingle damage. In any of these cases, you also run the risk of damage to your building’s interior and contents. Roof damage of all kinds each has its own circumstances and considerations in the eyes of the insurance carrier. Our wind damage public adjusters will look at all of these to determine how to properly handle your claim and get you all the compensation you are owed. Our expert Jacksonville public adjusters at Good Claim can point you in the right direction. Hurricane Damage Claims Jacksonville FL Typically a property insurance policy covers direct physical damage from hurricanes and other storm damage. If direct physical damage is obvious, such as entire roofs/walls or portions of roofs/walls blown away, then determining the coverage becomes easy. Sometimes, the damage from a covered crisis is not so obvious. Our expert Jacksonville public adjusters at Good Claim can point you in the right direction with your hurricane damage claims and Jacksonville storm damage claims. Typically, to be approved for a hurricane damage insurance claim, if the windstorm event causes a breach (break) in the building envelope (that is, the roof or walls) and water comes into the building due to that breach, then you have coverage. This would include water damage to the building itself, such as drywall damage, particle board expansion, electrical damage, mold, etc. Water damage to contents would also typically be included as part of the loss. Wind-driven rain can also be very problematic in a hurricane as many insurance companies will not pay storm damage claims unless there is a breach or opening in a structure. Our storm and hurricane damage public adjusters have helped property insurance policyholders involved in every hurricane and as many or more tropical storms and severe windstorms for the last 28 years. Call us today to find out how our hurricane damage public adjusters can help you with your hurricane damage insurance claim.

Lightning and Storm Damage Claims Jacksonville FL The most obvious damage caused by a lightning strike on your Jacksonville home or property is a fire. However, the most common damage is actually caused by the electrical surge produced by the strike. Anything connected to your electrical system can be destroyed or fried, including appliances, electronics, computers, phone systems, fixtures, and the electrical infrastructure of your home or business itself. These types of damages can be costly, and add up to far more than what you might believe. After first investigating your lightning loss, Good Claim Public Adjusters will advise you on the most effective and accurate way to assess and document your lightning loss, including advice on whether the use of outside experts is warranted and necessary. Power Outage Claims What seems initially like an inconvenience can quickly become a widespread disruption. Loss of power or utility services like gas or water is often unpredictable as to when they will be restored. In a severe storm, the restoration of power and utilities can take weeks. This situation is not uncommon after a hurricane, an event which Jacksonville is familiar with. A homeowner or business owner needs to know whether they have insurance coverage for these types of situations. Will your insurance cover your temporary relocation expenses or the damage from the outage itself? Good Claim can help you to determine what reimbursement you might be due, and assist with your claims to your insurance carrier.

Tornado Claims

As most homeowners agree to, the family home is the single most valuable possession and typically the largest investment. When that home is damaged by a tornado and resulting hail damage, recovering the maximum amount of money needed to repair or replace the damaged property will certainly be the biggest challenge you could ever undertake. Understanding the tornado damage insurance claim process or working with someone who does can make the difference of recovering what you should under your policy. Good Claim Public Adjusters can help alleviate the grueling tornado damage claims process and will see to it that you restore your home or business back to its proper condition. Because we understand how insurance companies evaluate claims, we will make sure your claim estimates are backed by fact, you recover what is rightfully due under your policy, and minimize the haggling and stress your insurance company can impose on you when filing a tornado damage insurance claim.

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