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Homeowner’s insurance provides four important types of coverage for a relatively low fee. Not only does it protect the actual structure, it also covers the contents and provides liability protection and additional living expenses if a natural catastrophe or accident should render the home uninhabitable. For example, if your abode were burned to the ground through no fault of your own, homeowner’s insurance will compensate you for the structure, the contents, and for your hotel or rental fees while you look for another home. It is no wonder most banks and lending institutions require their clients to obtain a homeowner’s insurance policy before their mortgage loans can be finalized…because they want to protect their investments! The single most confusing form of coverage homeowner’s insurance provides pertains to water damage. In most states, water damage is only covered under these policies if it is not the result of a natural disaster. Most homeowners must purchase flood insurance if they worry about sudden and unexpected water damage. What will they pay for? Water damage that is the result of a burst pipe or a leak in the roof may be covered under a standard homeowner’s insurance policy. However, it is important to note that there is often a time limit. You cannot file a claim for a leak that has been an issue for months or years. Your insurance company will almost certainly reject such a claim, which is why it is important to file one as soon as possible after a leak or other water damage occurs. Fort Lauderdale water damage claim tips First and most importantly, you must stop the leak. Your insurance provider is far less likely to take your claim seriously if you did nothing to prevent additional water damage. In most cases, this will require professional help. You may have to call in a water extraction company. Just make sure you keep all the receipts from the repairs and cleanup. The chances of receiving compensation for these repairs increase exponentially if you take a proactive approach. How to file a Fort Lauderdale insurance claim for water damage Always notify your insurance company of any damage to your home or property as soon as possible after it has occurred. Most providers require written notification within a certain timeframe, often around two weeks. They generally respond to these notifications with a request for additional information, i.e., an insurance claim. A claim should be as comprehensive as humanly possible. It should leave no questions unanswered, since that will only delay a potential payment. A Fort Lauderdale insurance claim for water damage should contain pictures and/or videotape of all damaged areas and property before the repairs were made. Your chances of obtaining just compensation will increase dramatically if you carefully document your loses at every stage of the process. It is also important to submit copies of all repair expenses along with your insurance claim. All insurances companies do their best to pay as little as possible on each claim, since if they paid the full amount they probably wouldn’t be in business. They seldom make it easy for their clients to get what they are owed. Most policy holders must prove the extent of their losses beyond a shadow of a doubt. To do this, it is often best to contact a public adjuster to handle the complicated process for you. A licensed and bonded team of experienced public adjusters can help homeowners in Florida homeowner get what they have coming to them. Most offer their services to both commercial and residential clients in the Sunshine State. They should not charge any upfront fees. In other words, they don’t get a dime unless you get paid! Whether you’ve already filed, been denied, or even received payment, they can still represent and advise you in your Fort Lauderdale insurance claim for water damage. For more information about Fort Lauderdale water damage claim tips and Fort Lauderdale insurance claim for water damage please visit http://www.ucsfl.com/.
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Fort Lauderdale insurance claim for water damage, Fort Lauderdale water damage claim tips,
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