As a Florida homeowner, rain is something you’re used to in the months before and during hurricane season. One homeowner in Tamarac Florida even said on live television on Local 10 News, “Obviously (there’s) lightning, but it sounds like gunshots. That’s how loud it was.” Thunderstorms in Florida are often accompanied by heavy rainfall and strong winds. Rain damage causes roof degradation that can lead to you having to replace your roof sooner than you would have in dryer states like Arizona, for example. While Miami, Palm Beach, and Tampa residents are feeling the downpour, other parts of Florida, particularly central Florida, see much less of it.
Does Homeowner’s insurance cover all rain damage? Not quite.
Your home insurance isn’t going to cover damage that didn’t result from the rain or storm that occurred. My insurance also will deny coverage for your roof if:
✓ Your roof is past its warranty
✓ The roof had prior wear and tear
✓ You neglected to attempt and mitigate, stop prevent the roof damage
✓ More than 25% of the roof is damaged
✓ If a storm comes and rain damage causes your roof to develop a hole and your belongings get water damage, you may be asking,”Does Homeowner’s insurance cover all rain damage?” Your home insurance company will cover all of it. They’ll even cover the damage that happened to your:
✓ Gutters
✓ Shed
✓ Efficiency unit (guest home on property)
✓ Rain damage is easier to prove than other damage causes, however, be careful when you’re selecting repair companies.
How to Select A Repair Company For Property Damage in Florida
When you’re gathering quotes for home damage repair in Florida, what are you looking for? Low prices, great reviews and a high number of reviews. You may even be drawn more towards a company that you’ve heard of before. Maybe your cousin has a roofing company that you’d rather use because you know him personally and you know that his business isn’t doing so well right now and he could use the work. There are a few problems with this latter point.
Your homeowner’s insurance company may deny your claim because the roofing company you used to perform the repairs on your roof weren’t insured at a certain amount. They may deny your claim because the repairman isn’t certified. These are all concerns that you should have while gathering quotes for your roof damage repair. If you do happen to have roof damage, Bulldog Adjusters is the only Florida Public Adjuster who walks you through the entire claims process. We stay with you from the point of the damage inspection (which is free to you, by the way) to the second you open up your mailbox and find your check in the mail.
Does Homeowner’s insurance cover all rain damage from past storm? Maybe.
You’ll be able to recover some cash for damages that happened up to 5 years ago. Your homeowner’s insurance will try to lowball you on this and give you less cash than you originally paid for damages. The good thing is that you will be able to get some cash from this, especially if you have photos of the damage or documents like receipts or a police report. If the damage is weather related and your street was leveled or your neighbors also experienced damage, your claim will be helped if your neighbors experienced damage as well.
Florida homeowners are able to make claims up to 5 years after the damage occurred to their home or property. The most important thing that you know about your homeowner’s insurance policy is what does it cover. Often times there is language in your policy that will specify denial for certain causes. Weather related damage is typically not a case for denial, but if you’ve waited 5 years to make a claim, or if more than 25% of your roof is damaged, the insurance company’s adjuster may say that you’ve ‘neglected’ to maintain your roof. This is often how they get homeowners to accept small settlements. They can give you only a small sum of money when you have a larger sum’s worth of damage, just by telling you that you’re at fault.
How do you know if your homeowner’s insurance company will give you enough cash?
We’ll be able to help you. We’re a public adjuster in Florida. Now, when you have damage to your home or business, we’re going to be able to come in and inspect it. We have an in house damage estimator who will let you know and your insurance company know, how much they’ll have to cough up to pay for your damage. You’ll have to pay your deductible, but we’ll get enough cash for you to restore your home to the highest degree of quality, that is, what it was before the storm happened.
Understanding your homeowner’s insurance policy is the number one most important factor is creating your claim. The trouble is, home insurance policy jargon is hard to read and it’s also vague. We’re here to help you understand what your policy says, how much your damage will cost, and then get your home insurance company to pay the money to you. It’s that simple. Does Homeowner’s insurance cover all rain damage? When you’re working with Bulldog Adjusters, your answer is Yes.
Does Homeowner’s insurance cover all rain damage?
Whether you are a Florida homeowner or a business owner, rain and storm and especially hurricanes and tornados affect everyone. 3 of the most common outcomes of rain damage includes:
- AC Leaks can be a result of vandalism or burglary attempts. Many times, burglars will try to steal the AC unit or they will attempt to access the chemicals inside your unit. Due to this, your AC unit can begin to leak.
- Water damage is less common, but it does happen. When a burglar or criminal intending to vandalize your home or business enters your property, they can potentially cause water damage by hitting plumbing areas like pipes and sinks with blunt objects.
- Wind damage can create major problems for your property. Fire damage can be a result of vandalism or burglary. Your vandalism claim should include the police report filed as well as pictures and video evidence of what was torched and how.
Contact Bulldog Adjusters if you’re wondering “Does Homeowner’s insurance cover all rain damage?”
When a home invader or burglar comes and causes property damage, vandalism, and theft, a public adjuster can help you sift through the details in your insurance policy. When you find yourself on the receiving end of burglary or vandalism, contact the team of professionals at Bulldog Adjusters. We’ll come over and inspect your damage and help you with your vandalism claim.
For more homeowner statistics, skim through these Florida stats that you’ve never heard anywhere else.
When you rely on Bulldog Adjusters, you’re getting peace of mind.