Nothing is more frustrating than having your insurance claim denied. Despite paying premiums on time and diligently following all the guidelines, insurance companies often find a way to deny coverage when you need it the most. The rejections can be disheartening and leave you feeling helpless, but it’s important to know that you’re not alone.…
Welcome to The Ultimate Guide to Understanding Coverage Determinations! As a homeowner, it’s essential to have a comprehensive understanding of your insurance coverage, so you can protect your home with confidence. Unfortunately, navigating insurance claims can often be a frustrating and confusing process. That’s why we’ve put together this comprehensive guide to help you understand…
Home insurance is a critical aspect of homeownership, especially when it comes to filing a claim. Many homeowners worry about the aftermath of filing a claim, such as increased rates, the possibility of getting dropped by their current insurance provider, and difficulties finding new insurance. In this blog, we’ll explore the common questions you might…
Insurance is meant to be a safety net, but for many homeowners, reaching your insurance company can feel like a cruel game. From the never-ending phone calls to the overwhelming paperwork and frustrating delays, it can be disheartening to get your insurance company to acknowledge your claim. But don’t lose hope! With a little bit…
Living in a hurricane-prone area can be stressful and dangerous. Natural disasters, such as earthquakes, floods, tornadoes, wildfires, and hurricanes, can cause serious damage to your home and your finances. To mitigate the impact of these events, it’s important to understand the importance of additional living expenses (ALE) coverage and what to do when your home…
Dealing with insurance companies can be a headache for homeowners. Whether it’s filing a claim, seeking answers, or updating policy info, getting in touch with a live representative can feel like an uphill battle. But don’t give up hope. In this blog, we reveal the top 3 methods for successful insurance company communication. From determining…
After Hurricane Ian in 2022, homeowners in Florida were devasted by property damage. Roof leaks, flooded homes, missing shingles, and water damage caused calls to home insurance companies to surge. In fact, the wait time for insurance adjusters (not to be confused with public adjusters) are up to 4 weeks. Are you willing to wait…
Alternative Dispute Resolution (ADR) is a process that allows homeowners and their insurance companies to resolve disputes outside of the traditional courtroom setting. These alternative resolutions include Meditation, Appraisal, and Litigation. One of the main benefits of ADR is that it can be a faster and less costly option for resolving disputes compared to going…
If you’ve ever had to deal with a property insurance claim that couldn’t be resolved, then you are probably familiar with the appraisal process. If not, don’t worry! The appraisal is a common alternative dispute resolution in which both parties (the policyholder and the carrier) assign an appraiser to review your property damages. Both appraisers…
Litigation is the last dispute resolution process used mainly for denied claims. This happens when a public adjuster or another third-party insurance adjuster cannot settle the claim. Litigation is available in all states; however, the cost varies by state, and attorneys will not accept all claims for continuation. Litigation is a legal process that can…
It is inevitable that at some point during your time as a homeowner, you will need to repair or replace something in your home. The most common and significant home repairs often include repairs to the foundation, electrical systems, and wiring, roof, water heater, pipes, septic systems, heating and cooling units, etc. In most of…
Every year, around one in every twenty homeowners, file a property damage claim. Damages range from fire due to incidents in the kitchen to roofs dealing with hurricane damage and issues from cast iron pipe leaks in older homes. Home damage is a normal part of owning a home, and so is filing a claim…
As homeowners grapple with skyrocketing home insurance premiums, a pressing question looms: is it worth it to file a claim? After all, no one wants to see their premium increase even more. But with a little bit of knowledge about your policy and the claims process, you can make an informed decision about whether or…
Dealing with insurance companies can be a daunting task, especially when it comes to minor or major damage to your property. Whether it’s your first or second time going through this process, it can be overwhelming to navigate the complex world of insurance claims. That’s where our team of expert public adjusters at Bulldog Adjusters…
As homeowners, it’s important to understand the process and options available to us when filing a claim for damages to your property. In this process, there is a procedure known as Alternative Dispute Resolution (ADR). ADR allows both the insured and the insurance company to come up with a solution to an insurance claim in…
If you are trying to get the fastest settlement after Hurricane Ian, there are a few tips and tricks to try. With the number of claims filed, you may not get the fastest settlement after Hurricane Ian, but there are a few ways you can try to speed up the process. Every homeowner who’s property…
Hurricanes, tropical storms, and other severe weather events can be incredibly destructive, causing damage to homes, businesses, and communities. As a homeowner, it’s important to understand how these storms can affect your insurance coverage and take steps to protect yourself and your property. In this blog post, we will dive deeper into everything you need…
It is essential to understand the different types of coverage available to protect your property in the event of damage or loss. One such coverage is Loss of Use coverage, an often overlooked but crucial component of homeowners insurance. Loss of Use coverage, is also known as Additional Living Expenses (ALE) coverage. It is designed…
Insurance is supposed to be there for us when we need it most, but all too often, homeowners are left in the dark when it comes to filing claims and getting their insurance company to listen. Whether it’s the endless runaround on the phone, the endless paperwork, or the endless delays, it can feel like…
Are you living in a natural disaster-prone area? If so, it’s important to understand the importance of additional living expenses (ALE) coverage. In recent years, Texas has topped the list as the state with the most natural disasters, experiencing a variety of hazards such as earthquakes, floods, tornadoes, wildfires, and hurricanes. California also ranks high…
Homeownership is a big responsibility. It’s one of the most important aspects of it is ensuring that your home is properly protected. This includes having the right insurance coverage in place to protect your home from unexpected damages. But what happens when your insurance company only approves a portion of the damages? This is known…
Experiencing property damage can be a stressful and overwhelming experience. Whether it’s from a hurricane, natural disaster, or an accident, the last thing you want to deal with is a long and drawn-out insurance claim process. Unfortunately, this is a common frustration among homeowners who are trying to get their property repaired or replaced. In…
In this Ultimate Guide to Fighting for a Fair Settlement from Your Insurance Company, we’ll be breaking down the process into three key steps. These are understanding your policy, documenting all your damages, and hiring a public adjuster to negotiate on your behalf. Hurricanes can be devastating, leaving behind a trail of destruction and chaos…
Homeowners invest a lot of money, time, and effort in maintaining their property and ensuring it is protected. However, when the unfortunate event of property damage occurs, it can be a stressful and frustrating experience for homeowners when dealing with their insurance company dragging their feet. The process of filing a claim, getting it approved,…
As a homeowner, it can be incredibly frustrating to try and connect with your insurance company. Whether you’re trying to file a claim, ask a question, or simply update your policy information, it can feel like an impossible task to get in touch with a real person who can help you. But don’t give up…
Dealing with a property damage claim can be a stressful and overwhelming experience for homeowners. Whether it’s a result of a hurricane, an accident, or wear and tear, dealing with the aftermath can be difficult and time-consuming. Filing an insurance claim can add even more stress, as homeowners may be unsure of how to proceed…
If you’ve experienced property damage, whether it’s from a natural disaster like a hurricane or a fire, you may be relying on your insurance policy to cover the cost of repairs. However, most of the time, homeowners are unhappy with the initial payout offered by their insurance company. If this is the case, it’s important…
Having an AC leak is far from a homeowner’s dream. In fact, having an AC leak is closer to a homeowner’s nightmare. A seemingly minor AC leak can cause water damage and lead to expensive repairs and a lot of headaches. If you have an AC leak, you may be wondering, “Does my insurance cover…
With the 2022 hurricane season behind us and the 2023 hurricane season up ahead, experts are taking stock of the effects of hurricanes on Florida’s housing market. You may be shocked to learn that hurricanes don’t affect Florida’s housing market the way you would think. Before we talk about the 7 shocking effects that hurricanes…
A house fire is devastating for any family. There is the loss of the home, loss of precious items and heirlooms, and sometimes, tragically, loss of life. House fires destroy not only the structure and the items within – they can destroy memories and leave you in a situation of filing claims and dealing with…
If you’ve ever been outside during the spring and summer months and noticed dark, heavy clouds approaching, you probably made a beeline for the nearest shelter. If there was a lot of heat and humidity that day, you might have thought that was time to take cover for possible tornadoes. However, one thing that many…
In 2018, there were an estimated half a million fires in residential buildings (homes and apartments) and commercial buildings (restaurants, nightclubs, etc) in the United States alone. In September 2020, a massive spread of fires destroyed large amounts of the United States’ west coast, with damage and smoke so catastrophic that it could be seen…
Air conditioning in Florida is an essential. AC unit leaks are also one of the most common insurance claims that homeowners file. Each day in the sunny state of Florida, approximately 950 air conditioning units break, leak, or stop blowing cool air. What are the critical facts that we need to know about these heavenly…
How can you tell if you have a problem with your air conditioner leaking? If it is, you’re not alone. 90% of all service calls made to central air repairmen are due to leaks. If not fixed as soon as possible, the water damage that can come from an air conditioner leaking can be huge.…
Cast Iron Pipe Breaks can cause health issues such as infections from backed-up sewage, pests, and mold. Unfixed cast iron pipe issues will cause your home’s value to depreciate. Unlike people, cast iron pipes obviously don’t fix themselves. A cast iron pipe break underneath your house can pollute local water sources like Aquifers There are…
From the time of the Roman aqueducts, people have looked for ways to move water and sewage from one point to another. The first cast iron pipes were created in molds and then brought together with joints, straight fittings, and screws.
Homes built in the early 1940s and 1950s often used cast iron pipe for plumbing. However, it’s now nearly 80 years later and those pipes have begun to crack and break due to corrosion and tree root growth, something which can cause soil contamination, and pest infestations. So, how do you know if you have…
The holiday season is most commonly thought of as a positive time to spend with family and friends. Toward the end of the year when the weather is cold, there is nothing better than eating and catching up with loved ones in a comfortable setting. When the topic of Thanksgiving comes up, it is very…
Over the years, lightning strike-related deaths have been on the decline. While this is a good thing, it is important to note that the decline in deaths is simply due to the increase in awareness about the danger of lightning. Though getting struck by lightning is a pretty rare occurrence overall, it can happen. It…
Hurricane damage is a problem that no homeowner ever wants to deal with. Unfortunately, many areas throughout the country are at a higher risk of being affected by tropical storms. That being said, there is no way to completely protect your home and property from being destroyed if you reside in these locations. Out of…
With summer temperatures worldwide ratcheting up into the upper 90’s and lower 100s, our homes are impacted by the sweltering sun. In some cases, this can result in heat damage to the property. There are several ways that a home can be affected by the heat of the sun. As a homeowner, it is beneficial…
Not many people realize that earthquakes occur several hundred times a day across the world. In the vast majority of these occurrences, the magnitude is two or smaller, meaning that the earthquake cannot be felt by the average person. Over the past century, we are experiencing more and more earthquakes that we can feel, due…
House fires are some of the biggest threats to homeowners because they can happen anywhere in the world and be caused by almost anything. The thought of your entire home being destroyed by flames is terrifying, especially knowing that there is no way to truly prepare for that kind of disaster. Aside from the average…
When it comes to owning a home, several things can go wrong. As a homeowner, it can be difficult to imagine that uncontrollable circumstances could potentially destroy everything you have built, despite your efforts to maintain your property and prevent them. One of the most common causes of home insurance claims is wind damage. While…
Being a homeowner comes with its fair share of positives and negatives. While the freedoms that come with owning your house can be very beneficial, there is also the stress that something could potentially go wrong. Unlike a rented property, you will be responsible for taking care of any unforeseen home damage that could affect…
No matter where in the country you live, your home is at risk of water damage. When your home experiences water damage, you can pretty much assume that you will be spending anywhere from $1,000 to $4,000 or more to repair the damage and clean-up the impacted area. And when water damage strikes, the sooner…
When it comes to filing an insurance claim, many people underestimate the power of having a good public adjuster by their sides. In reality, this is one of the best tools that any homeowner can have in the event of a disaster or any kind of home damage. As public adjusters, we find it increasingly…
There are numerous benefits that come with being a part of a community association. This is why so many homeowners choose to purchase properties within these areas. Aside from the positives, though, there are always negative aspects of every arrangement, especially when it comes to your home. Homeowners should always be aware of what is…
Home repair can be a stressful thing to deal with, especially when you are faced with excessive damages to your property. On top of the monumental costs that can come with this process, you will also be tasked with finding the right contractor to get the job done right, so you won’t have to go…
When the topic of home damage comes up, the causes that immediately come to mind are natural disasters such as hurricanes, tropical storms, flooding, and even fires. Most people don’t realize that lightning plays a big role in home damages and corresponding insurance claims. In fact, hundreds of millions of dollars are spent each year…
Fall is one of the most desirable times of the year to perform maintenance and repairs on any home. When it comes to owning a property, several routine tasks must be done to keep everything in working order. All of these tasks must be done before the Winter, as there will be no time to…
When it comes to home insurance claims, water is one of the most common causes of damage. As a homeowner, having knowledge of water damage claims can be helpful for you down the line, if you ever happen to find yourself suffering a similar loss. The first step in this process is becoming aware of…
Though warning systems have improved in recent years, tornados can still occur with little to no notice across the world as long as the conditions are right for it. And, there really is no limit to where tornados can occur. The United States has the highest frequency of tornados compared to the rest of the…
Now that we are more than halfway through the 2019 hurricane season on both sides of the country, some storms have already hit or passed by some of the most vulnerable areas in the United States. However, this does not mean that everyone is safe yet. If you live in storm-heavy areas and your home…
Each year, natural disasters kill tens of thousands of people around the world, and can have a challenging impact on millions. Natural disasters include earthquakes, hurricanes, tsunamis, landslides, volcanic eruptions, tornadoes, floods, brush fires and wildfires, droughts, and even heat waves. These occurrences often have an immediate effect on the livers of humans and animals…
Every year, vast amounts of land and dozens, if not hundreds, of home are destroyed by brush fires and wildfires. These fires can break out at any time and for many causes. In most cases, these fires are started by lightning, the uncontrolled burning of debris, or arson. Where homes are being built today in…
It’s here, hurricane season 2019. It seems we can’t go a day (or even a few hours) without an update on the storm situation. While it might be annoying, it’s definitely good to stay in the know. And, if you’ve been ignoring the latest, know that the western Atlantic cities at greatest risk of storm…
In the United States, hurricane season officially kicked off on June 1 and runs through November 30. Already this year, FEMA (the Federal Emergency Management Agency) is expressing concern in an inability to find staffing for recovery efforts expecting in 2019. Despite news that this year’s hurricane season will be milder than in previous season,…
Every September, FEMA launches a campaign geared towards the promotion of family and community disaster and emergency planning. The program itself has turned into what is now referred to as National Preparedness Month, and the theme for 2019 is “Prepared, Not Scared.” Homeowners, community members, and local businesses can leverage this month as an opportunity…
After a natural disaster hits, leaving your home in shambles, one of the first steps of getting everything back to normal is usually to reach out to your insurance company. Regardless of how prone the area is to extreme weather conditions, the majority of homeowners choose to protect themselves with an insurance policy, in case…
Along with all of the benefits that come with owning a home, there is always the concern of a natural disaster wiping out everything you have worked so hard to build. While this issue is more pressing in select areas of the country, it never hurts to have a home insurance policy, and with home…
The bumps in the road that you can experience with an insurance claim as a homeowner are unmatched, especially if you are going about it all on your own. While insurance companies are assumed to be your friend in situations where your home is left in shambles after a disaster, this is not always the…
Florida’s proximity to the ocean, and near surrounding of the ocean, is both a benefit as well as a negative. As a benefit, it means that Floridians can enjoy thousands of miles of shoreline. And we know that living near water is good for you – it promotes a feeling of peace and calm, and…
Florida’s proximity to the ocean, and near surrounding of the ocean, is both a benefit as well as a negative. As a benefit, it means that Floridians can enjoy thousands of miles of shoreline. And we know that living near water is good for you – it promotes a feeling of peace and calm, and…
The risk of fire can be one of the biggest concerns of homeowners and landowners across the United States. Every year, acres and acres of wildland and dozens of homes are destroyed by fire. Unfortunately, fire can erupt at any time and for a variety of reasons. Arson, lightning, the burning of debris, negligently discarded…
Houseboating continues to be a popular way to combine living and a love of life. And many people know that being around water is calming for the body and mind. Apart from the beautiful scenery of a lake, river, or the ocean, living on or near water boasts many benefits. Many houseboat owners tout the…
Rubber roofing is increasingly popular for homes with a roof pitch of less than four in 12. This type of roofing is great for flat roofs where options are limited and is especially helpful during the hurricane season. Rubber roofing is constructed of recycled tires, slate dust, and sawdust. The actual roofing material usually comes…
Whether your home is sealed air-tight or exposed to the fresh outdoors, there is a risk of mold finding its way in and leaving significant damage behind. Although the onset of these issues may be difficult to recognize, there are many signs to look out for to detect mold damage as early as possible. To…
There is a lot more that goes into creating a successful business than most people think. Everything that goes on behind the scenes of business creation forms the key elements that make sure that business is a success. But these key elements are a major part of making sure nothing interrupts that success. Businesses are…
If you live in an area that goes through a ‘hurricane season’, then you know how devastating and damaging these storms can be. From torn off roofs to flooded first floors, hurricane damage is disastrous. The physical signs of damage are overwhelmingly tragic- you can see the chaos right before your eyes. But did you know…
Accidents happen all the time. They occur randomly and you are never really prepared for them. They are one of the biggest threats to modern homeowners and community associations. In the event that an unforeseeable accident causes significant damage to your house, it is likely that you will have no idea what steps to take…
When it comes to living in storm-heavy areas, most homeowners underestimate the real extent of wind damage on their properties. Powerful storms like hurricanes and tornadoes can destroy almost everything in their pathways, from personal items to entire houses. After a natural disaster hits, checking for damages is usually the last thing on the victims’…
Living in storm-heavy areas can be difficult and frustrating. During the seasons when you expect natural disasters to occur, it is important to have a dependable general contractor on hand that you can call when you need any assistance with home damages. While it is true that contractors can be a valuable asset in these…
Mold can be found pretty much anywhere as it is common in the air and grows on surfaces quite quickly. Exposure to mold, even if only for a short period of time can lead to several health issues. While some people are more sensitive to mold than others, common health effects include nasal stuffiness, irritation…
Mold damage can be catastrophic and can happen almost anywhere. After the strike of a natural disaster, it is not uncommon to find broken windows, large foundation cracks, and damaged structures that have let in the elements; even a burst pipe can lead to mold contamination if not properly managed, and cleaning it up is…
Many of those who suffer from mold in their house or workplace may not realize that there is a whole range of health problems that are associated with its presence in a building. These effects range from fairly minor ailments to life-threatening conditions. Most of these problems are misdiagnosed, because they have a lot in…
House fires happen more frequently than we think in the United States. The majority of residential fires start from open flames, accidents, and cooking. With proper maintenance of your home and awareness of common dangers that can lead to a house fire, you can dramatically reduce your home’s risk of going up in flames. And…
Sadly, every year, one of our every 326 homes experiences a fire, and seven people die in house fires each day. Those statistics are alarming, to say the least. And every parent has experienced a nightmare or two about what their family would do in the event of a fire, and how they could increase…
According to the National Fire Protection Association, between the years of 2012 – 2016 (the most recently measured 5-year time period), fire departments in the United States responded to an estimated 355,400 house fires. Over 2,500 individuals lost their lives as part of these fires, and there was an estimated $6.5 billion in property damage.…
What are 5 things you need to keep in mind when choosing roofing materials? There are a variety of factors to consider when selecting the material for your roof. The roofing that you select determines the aesthetic and can significantly alter the overall look of your home. Further, a roof needs to be long-lasting and…
Pros and Cons of TPO roofing for your South Florida home Flat roofing continues to gain popularity in the state of Florida since we started seeing its use in the early 1990s, especially as more and more homeowners are going for that modern and simplistic look. Not to mention, TPO roofing, which is made…
A great new renaissance has taken place over the past 10 years, reviving the metal roof. Metal roofing was found mainly in rural areas at the turn of the century. Most notably, it was known for the sounds of gentle rain on a metal roof sending people to sleep. Aside from that benefit, metal roofing…
As a homeowner, you can find yourself in a lot of tricky situations when it comes to insurance claims and repairs on your home. Whether you have suffered from extreme weather conditions, a natural disaster, or any other kind of unexpected damage to your roof, there is no doubt that you will need to consult…
Every day we are moving toward adapting to a more environmentally friendly lifestyle. Lots of households focus on recycling, low energy appliances, optimizing their heating and cooling systems, adding water saving devices. Some will even go as far as replacing windows – but what about roofing materials? A lot of the more traditional roofing options…
The official Atlantic hurricane season kicked off on June 1, 2019, and is estimated to run through November 30. Globally, May is the calmest month for ocean activity, and September tends to be the most active, and the height of the season is from late August through September, with the highest peak of activity around September 10.…
Now that we are in the midst of hurricane season, it is time to ensure we are adequately prepared for whatever might come our way. In an article released by the Fairfax News on June 10, 2019, it was shared that the National Oceanic and Atmospheric Administration’s (NOAA) Climate Prediction Center is predicting a near-normal…
The good news is that weather forecasters aren’t predicting 2019 to be the worst hurricane season ever. That prediction is reassuring after the recent land-storm devastation that has hit the United States over the last couple of months causing flooding at catastrophic levels across the Midwest. However, at the same time, it’s not time to…
The Basics – What does a Public Adjuster Do? When it comes time to file an insurance claim, many homeowners don’t understand the process that they need to take or the various professionals that will be involved along the way. And while many homeowners have heard of insurance adjusters, many have not heard of public adjusters, or they think…
Owning a home is an amazing accomplishment for anyone, but it also comes with lots of new responsibilities, including maintenance and repairs if anything goes wrong. It can happen to the best of us at no fault of our own, and often time things happen that are outside of our control. When things get out…
Purchasing a home can be an exciting time, but in doing so, a whole slew of additional responsibilities are laid on the homeowner’s doorstep. In addition to the overall maintenance of the house and surrounding property, it’s critical to think long term and always have a contingency plan if something ever happens to your home.…
In a society where we all treasure the assets we work so hard for every day, it’s no surprise that the insurance industry is booming with no signs of slowing down. It only makes sense that, for as hard as we have worked for those assets, we want to protect them financially, whether it be…
The summer season has arrived and it’s the best time to think about cleaning your air conditioner to ensure optimum performance. You need your air conditioner cleaned for the best cooling during the hot days. The parts of your air conditioner have collected all the dirt, dust, debris for a year. All the dirt can…
Have you just moved into your new house and noticed your ceiling swelling up and the floor flooded with water? If yes, then your residence needs serious water damage repair. Water damage acts like a snake bite, if you don’t act fast enough, you will incur a huge loss and no one wants that. In…
Centrally placed air conditioners are vital, mainly in Southern summers where electronic fans usually can’t fight the scorching heat to any real effect. In order to run perfectly throughout the season, an AC requires regular cleaning and maintenance. While we recommend using a licensed cooling and heating professional to take care of maintaining your air…
How can you protect your roof from hurricanes? A slow-moving force of powerful wind and endless rain that can form too fast for many people to be prepared for it, hurricanes can be very devastating. They can and do destroy everything in their path, from houses to cars to trees. Every year, the US gets…
Have some hurricane damage to your home and not sure what to do? Maybe you’ve been so busy preparing for this year’s hurricane season that you haven’t repaired hurricane damage you already have. If you have hurricane damage the first thing to do is contact Bulldog Adjusters. We can help with your hurricane damage. There…
Many homeowners don’t realize there are common unseen damages when it comes to roofs and suffering a hurricane. Even if you were not in the direct line of fire for one of this year’s devastating hurricanes, it is likely you may have one the of the most common unseen damages to your home. The most…
Are Florida storms getting worse? What has been the effect of Florida storms and hurricanes? Among having the Everglades, being home to the manatee and supplying a job market for mermaids, Florida also enjoys the unique distinction of being the target of more storms than any other state in the country. More storms have hit…
In Florida we talk a lot about best hurricane practices, but what are some of the best hurricane practices for a flood? Flood is a major concern in Florida and even a minor hurricane can deliver massive flooding. So how do we protect ourselves from a flood? What are the best hurricane practices when it…
Among other things, homeowners must know how to avoid mold this hurricane season. Homeowners must be able to avoid mold this hurricane season since mold can quickly become a problem. Anywhere there is moisture mold can grow and with hurricane season comes a lot of moisture as Florida residents know. So, what are some ways…
This hurricane season is underway and so far we’ve been pretty lucky in Florida. We’ve just entered April and Florida hasn’t had to deal with much just yet, however, this hurricane season is sure to be memorable! But how bad is this hurricane season going to get for Florida? What can we expect this hurricane…
With ever increasing homeowner insurance premiums, more and more Florida homeowners are asking themselves if they should file a claim, and if they do file a claim, will it cause their homeowner premium to increase? In a perfect world, you wouldn’t have to worry about the impact a claim may have on your homeowner premium.…
Most of us are prepared for hurricane season, but what about tornado damage? Tornado damage is common during hurricane season and it can get serious. We’re heading toward the end of June and most of us in Florida, Georgia, South Carolina and North Carolina are prepared or getting prepared for hurricane season, but we don’t…
Home insurance claim rip-offs can happen. There are fraudulent agents, unscrupulous contractors and even company adjusters that can’t be trusted. Any one of these can result in home insurance claims rip-offs. How do home insurance claim issues happen? Is there anything you can do to protect yourself from becoming a victim?
Hearing a lot about hurricane and flood insurance lately? Hurricane and flood insurance seem to be the topic on the top of everyone’s mind since Hurricanes Michael and Florence slammed the Southeast this year. Florida residents and coastal residents are getting more familiar with hurricane and flood insurance and what it does and doesn’t cover.…
When it comes to home insurance premiums, most of us know we would like them to be less. Home insurance premiums don’t have to be a mystery. In fact, there are some aspects that you do have some control over. Here we discuss nine facts about home insurance premiums that every homeowner should know. 1.…
If your washing machine is leaking, you may be looking at making a water damage claim on your home insurance policy. If your washing machine is leaking damage can be minor or major depending on how long the machine has been leaking. Water can be extremely destructive to a home causing damage to flooring, walls,…
AC replacement can be a significant expense for a homeowner. Especially in the warm summer months in the South, having a breakdown that requires an AC replacement can feel like an emergency. But how will you pay to have an AC replacement? How much will it cost, and can your home insurance policy pay for…
Depreciating an insurance claim can be a difficult lesson when you have a claim. Learning that you receive a fraction of what your property is worth because depreciating an insurance claim is part of the process can be alarming. You may be wondering, “if the company is depreciating an insurance claim how will I ever…
Is it about time to replace a roof? If you need to replace a roof you are probably wondering how much it’s going to cost. Having to replace a roof is one of the biggest home maintenance expenses a homeowner must deal with. The roof is one of the most important structures of your home,…
Fire damage cost is a real risk for homeowners. A home fire can start in several ways – kitchen accidents, lightning, electrical, appliance malfunction. So, what is a fire damage cost for homeowners? Fire damage cost can be high and variable. A homeowner will typically pay between $3,000 and $26,000 for fire damage in their…
Having a pipe burst in your home is no picnic. Water damage in your home is costly to repair and fixing the pipe burst itself can be a major expense. But having a pipe burst is not uncommon for today’s homeowners, especially if you live in a home with older pipes or you live in…
Mold grows easily and can be difficult to get rid of. Anywhere there is moisture there can be mold, and for most of Florida, that means just about anywhere, including your home. There are many types of common mold – anything from the discoloration you see in your shower tile grout to the variety that…
Every home contains some mold and most of the time it doesn’t cause a problem. Most types of household mold aren’t harmful to your health. But how can you tell if the mold in your home is a problem? Mold can often grow unchecked because it thrives in moist dark places. And moist dark places…
Do you have a denied claim after Hurricane Florence & Hurricane Michael? A denied claim is a frustrating and stressful experience especially after Hurricane Florence & Hurricane Michael. After natural disasters and catastrophes, many claims are filed for homes, businesses, and vehicles. Many claims get denied after disasters like Hurricane Florence & Hurricane Michael. All…
If you have home damage from Hurricane Michael, hiring a public adjuster may be in your best interest. Home damage from Hurricane Michael claims can be difficult to settle and require a lot of time and expertise that a typical homeowner may not have. Home damage from Hurricane Michael must be dealt with as soon…
If you are looking for ways to lower the cost of homeowners’ insurance, you’re not alone. Insurance rates have been rising in many areas of the country leaving consumers wondering how to lower the cost of homeowners’ insurance. While we can’t always prevent homeowners’ insurance from increasing, there are some ways we can work to…
Are you left wondering, “How long it will take before my insurance company settles with me?” Having to ask yourself how much longer until your claim is settled can be stressful and confusing. Every claim is adjusted on a case by case basis, and claims details are different depending on the circumstances of your claim.…
Deadlines for a property claim can determine if a claim gets settled accurately and fairly. The deadlines for a property claim are important. Both the policyholder and the insurance company have deadlines for a property claim they must comply with. So, what are the deadlines for a property claim you must know about and how…
If you’re asking yourself, “Will my insurance cover flood?” you may need some help. Flood coverage for homeowners can be confusing. Wondering “Will my insurance cover flood,” is not something most people want to have to ask themselves.
Roof or shingle damage from a tornado? Fallen trees or wind damage? We can help.
A business interruption policy is a critical part of a business’s emergency plan. Many businesses have insurance policies to protect their property, and maybe for their liability, but many businesses don’t consider insurance that would protect their revenue. A business interruption policy is designed to protect against lost revenue caused by a covered physical…
If you’re wondering what content is covered on your home insurance policy, you may be in for some surprises. When it comes to your personal belongs you may be wondering just what content is covered. Typically, what content is covered as far as your everyday personal property is simple, but what content is covered when…
Are you looking for discounts on your home insurance? As insurance costs rise, you may be looking for discounts on your home insurance. Getting discounts on your home insurance is possible if you know what to look for. Here we will discuss some of the best tips for getting discounts on your home insurance and…
Having mold or sewage backup problems can be a homeowner’s worst nightmare. Mold or sewage back up problems can cause significant damage and disrupt your home life. So, does your insurance policy help if you end up with mold or sewage backup problems? The answer is that it depends on several factors. Here we will…
Water damage repair can take time, patience and diligence. Although it may seem like water damage repair shouldn’t be all that complicated, water damage can cause extensive and ongoing damage. Proper water damage repair requires mitigation and restoration. If water damage repair isn’t completed correctly, it can lead to more trouble including rot and mold.…
Even though Florida is surrounded by water, fire damage Florida does happen. During the state’s dry season, lightning strikes cause fire damage Florida in many areas. If you have fire damage, you are probably wondering how you are going to restore your home. Here we will look at the dangers of fire damage Florida and…
Are you wondering about roof replacement costs? Is the worry of roof replacement cost keeping you awake at night? There are many things to think about when considering roof replacement costs. While some costs are obvious and clear from the start. Other costs can be hidden and difficult to calculate. So, if you are wondering…
Are you wondering if you should contact a public adjuster or Florida’s Insurance Commissioner for help with a denied claim? With a devastating hurricane season behind us, many Floridians are still struggling to get their claims settled and repairs made. You may be having trouble getting payment, getting paid enough or even getting your insurance…
With all the rain we’ve had this past weekend, we know you’re wondering: Does Homeowner’s insurance cover all rain damage? 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,…
Preventing water damage in your home requires proper maintenance and diligence. Some water damage claims just can’t be helped – there are flooding, rain, windstorms and plumbing accidents. But many times, water damage can be avoided. Here we will look at the best strategies homeowners can use to prevent water damage in their home. Water…
Having a pipe burst in your home can be a downright scary experience. A pipe burst can also create a lot of damage to your home. If you have a pipe burst at your home, there are some things you can do to help minimize the damage. Finding water in your home where it…
There are facts that every homeowner needs to know about home insurance premiums. The problem is most of the time, no one tells homeowners. These facts that every homeowner needs to know about home insurance premiums could save some homeowners money. As they say, knowledge is power and it’s time to get knowledgeable about the…
Did you have to file a business interruption insurance claim? Not sure if you’re even covered for business interruption? Maybe you’re not even sure what business interruption insurance is. If you are a business owner, you should get familiar with this important coverage. If you ever need to file a business interruption insurance claim, this…
No one likes to see their home insurance premium increase. Really, increases in any living expense can be frustrating and cause consumers to worry.
Every state has different hurricane insurance coverage.
If after Hurricane Florence, you are considering hiring a public adjuster you probably want to know what they can do for you.
