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Buying a New Home? Use These Tips to Avoid Paying Extra for Water Damage

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Buying a new Home

Buying a new home

The moment you go to visit a house to buy, you probably have a mental (or physical) checklist of exactly what you are looking for and what you need to check.

In some cases, this may be the basics, like having a certain feature or design that you find appealing.

In other cases, you may be thinking about what home improvement projects you need to take on when you buy the place. Any prospective home-owner, especially first-time home-owners, should also take the time to look into water damage when they are house hunting.

Pay Attention!

There are many different issues with a home that may cost you money down the line, but water damage is among the most costly. Not only is there the physical indicators of damage, but fixing it is extremely expensive, requiring both the removal and replacement of damaged walls and floors. In addition, it’s not the type of issue you can simply ignore. Heavy water damage could provide a home for mold and other undesirable elements, and even impact the structural integrity of your home. Here’s how to catch this before you move in.

Professional Home Inspection Maybe Needed

For one thing, you’re going to want to make sure that you keep an eye out for any sort of physical or sensory indicators. Some of these are easily visible, like trademark water damage stains, rotting wood, or the presence of mold.

However, some signs of water damage may not be as immediately noticeable, or attributable to water damage. For example, excess humidity in a home can create an unappealing smell that you may not realize actually stems from water damage.

In addition, you may be planning on doing your own paint job when you buy a home anyway, but if the paint is in bad condition, this is a clear sign that there may be water damage. The moment you detect any of these types of signs, be sure to bring on a professional home inspector to look at the property. In some cases, they may be able to use an infrared camera to look at areas you suspect.

Look Beyond The Obvious

Perhaps the most important thing to do when scouting a home for water damage is not to get too hung up on one particular area. Yes, the basement or the roof may be some of the most common areas to find water damage, but you can see signs of it anywhere in the home if you know what to look for.

For example, take a look at the flooring and see if there is any buckling or warping. Damp carpeting or white spots on wooden floors are also a general clue.

Another place where you may potentially miss telltale signs of water damage is the home’s exterior. Standing water anywhere outside the home is a clear clue, but other things like cracked or missing shingles or leaky gutters could be a potential problem. In some cases, the issue is where the house is on the property. Ideally, it should be on the highest point, with the ground sloping away from it.

What About After The Storm??

Finally, it may be a good idea to pay an extra visit to the home after a storm. In many cases, this gives you a chance to see how it handles excess water in action. Where is the water flowing? Is the gutter running off correctly? Look at crawl spaces and the foundation for excess dampness, as these may not be as easy to detect when the weather is dry.

Despite your best efforts, there’s a very good chance you may still end up having to deal with water damage in your home. Perhaps the signs of damage were in an obscure area you didn’t notice until it was too late. Not to mention, there are plenty of people who buy homes that are perfectly fine and have to deal with water damage after the fact.

In either scenario, to take care of water damage, reach out to us at Total Care Restoration. Not only do we believe in doing the most for our customers in the Miami area, but we’re also IICRC-certified. This means we use the best cleaning and restoration tactics to help protect your home from water damage and other issues. In addition, we make sure that we’re able to bill your insurance company for our services instead of making you pay.

Rain on window

Rain on windwow

4 Causes Of Water Damage How to Prevent It

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4 Causes of Water Damage To Your Home & How to Prevent It 

Water damage, at best, is an expensive annoyance, and at worst, can compromise the structural integrity of a home. The most obvious types of water damage come from incidences like a flooded basement, but more covert water damage, like a discolored ceiling, could be hiding something just as serious. Here are a few warning signs to look for and preventative measures to take to protect a home from water damage. 

1. Test Your Sump Pump 

A sump pump drains water that has collected in a basin that would have otherwise ended up in the house’s basement. This water typically comes from rainfall but can also come from other sources like the condensation created by an air conditioner. If the sump pump is not working, the water will accumulate and overflow, causing flooding. It is better to test out a sump pump before the rain starts rather than find out there is something wrong after the basement floor has already gotten soaked.

To test your sump pump, go to the basement and pour some water into the basin. The basin contains a floater, much like in a toilet, that measures how much water there is in the basin and when the water gets to a certain height, the water will start to drain. Finish pouring the water to the point where the floater will react and wait. If the water begins to drain than the sump pump is working fine, if not, there might be something clogged.

Problems That Can Happen

If the sump pump did drain than it is time to go outside and see if the external drainage system is clogged or damaged. There should be an outside pipe that drains from the pump and leads water away from the house. Take a look inside the pipe if you can, and see if it is clogged. There might be debris from the street such as leaves, newspapers, or sticks blocking the drain. If there is something in it, remove it and see if the water from the pump drains. However, if it doesn’t, there might be a more serious problem.

If there are no physical issues seen with the pump, and the water still won’t drain even with the debris removed, it is time to call the experts. A plumber can identify the problem with the pump and fix it before the rain comes. 

2. Check for Pipe Leaks 

A leaky pipe can cause serious damage to a house, but it’s also one of the hardest issues to identify as a house’s plumbing system is located mostly within the walls. To check for a leak, the first step is to see if the house has a leak indicator on its water meter. If it does, simply stop using water for about half an hour and then go back to check the indicator. Leak indicators all have different methods of indicating a leak, for example, some have a triangle system that points to a different color if it detects a leak. Finding out how to read a leak indicator can usually be done with a simple google search of the specific model.

The trouble comes if a house does not have a leak indicator. The best thing to do if a house does not have one is to be vigilant and about changes in water pressure. If there is a consistent drop in water pressure, it is better to be safe than sorry and call a plumber. They can check for leaks using gauges and can identify the problem quickly. It is better to have this issue fixed before there is a water damage in the ceiling or walls, as behind the discoloration there could also be dangerous mold. 

Roof Rain

Roof Rain

3. Keep your Roof Updated 

The part of a house that gets the most abuse from the rain is the roof. Over time it will wear down and let water seep in through weakened shingles. If it has been a long time since a house’s roof has been repaired or replaced, it is a good idea to look into getting it updated.

To check if water has already gotten through the roof and is damaging the inside of the house, check the ceiling in the attic. You can also check the upper floor for discoloration. It is unfortunate that when water has already entered the house, it is often too late. Also it may be hard to get out the water, but it is important to call a plumber as soon as possible to stop the situation from getting worse.

It will save money in the long run. Check out this great article on how to find and fix leaking roofs.

If you encounter any of these issues, call the professionals at Total Care Restoration in Miami, for 24-hour emergency services. 

4. AC Leaks Can Cause Water Damage 

Also make sure you change your filter and service your AC. One of the most common causes of water damage is AC leaks. These leaks can be avoided by servicing your AC regularly.

Here are a few steps that will help:

  1. Shut Off The Power.
  2. Remove Debris.
  3. Clean The Fins.
  4. Straighten The Fins.
  5. Clean Area Around The Unit.
  6. Level the Unit.
  7. Clean the Evaporator Coil.

Ready this DIY article for more information on how to service your AC.

In addition, most people notice AC leaks when the damage is already done. 

Working on a Mold Remediation in Miami

Working on a Mold Remediation in Miami

Many times mold may already be forming, so you will have to do a mold test. If your mold test is positive, you may need a mold remediation.

Final Word 

There are many causes of water damage to your home, so be careful and inspect your home regularly.

If you have any water damage in Miami contact us, and we can give you a free estimate. We service all of Miami and Broward for residential and commercial properties. Some of your water damage repairs may be covered by your home owners insurance.

 

7 Things To Do When You Have An AC Leak

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7 Things To Do When You Have An AC Leak

You live in South Florida and your AC leaks…Of course its August and about 99 degrees with 110% humidity. You need your AC to function so that you don’t melt. Not only has your AC leaked you think it may have caused some water damage. Now what are supposed to do? Here are 7 simple ways to know if you have water damage and need to call in a professional water restoration company.

  1. Don’t Ignore the Problem

Maybe you think it’s not a big deal. But if your AC is leaking a little bit now, it is only going to get worse. AC units should not leak, and if it continues, it could cause further damage to your home that will be costly.

Do I have water damage? Can you spot the signs of water damage?

  1. Fix the Air Conditioning Leak

Some DIYers can diagnose and fix the routine reasons for AC leaking. If you have a clogged condensate line, a hole in the overflow pan, or need to change the filter, you might be able to fix it yourself. If, however, you are like most of us, you need to call in an AC repair company to stop the leak.

If the leak is large and threatens the electrical components of the AC unit, you need to turn it off before it can cause a short or other problem. No matter what you do, you have to get the AC fixed.

  1. Look for PONDING AND POOLING

Next, look for any water damage. The most obvious clue that you have a problem is if there is ponding or pooling of water near the area of the AC vent. When you see that, there is a problem and you may want to seek help right away.

  1. Check for color changes

If your ceiling is no longer that beautiful color of white that you painted it, you may have a problem. If there is an area around the vent that is a tan, brown, or yellowish color you can be sure that there is a water leak and you need to get the damage repaired.

  1. Inspect the surface texture

Look at the area around the AC vent; is the texture the same as the rest of the wall or ceiling? If you have water damage you might see bubbling of the paint, peeling paint, or even your dry wall or plaster falling apart. If your vent is near the floor and you think there may be water damage, you may start to see your wood floor buckle or lift. If you have carpet, you may not see the buckling or lifting but you may start to see the carpet deteriorate or change in color.

  1. What’s that Funny SMELL?

If you walk into your house and wonder if you forgot to take out your garbage you may have water damage that is now beginning to grow mold. Mold may not always be visible to the naked eye. However, there are some molds that you can clearly see. Mold can grow inside of the wall and not be known for quite sometime. So if you see signs of water damage but not signs of mold, you should still call in the professionals.

Obviously, if you see the mold you need to call a professional company right away. Even the smallest of the leaks can lead to a mold issue.

We all know how scary and dangerous prolonged exposure to mold can be to our health. This may not be the time to try your hands at DIY mold removal. Mold is trickier than you think, and if you don’t get all the mold out, it will just continue to grow and infect your house.

  1. FIND AN EXPERT

At this point, you are going to want to do some research to make sure you are getting the best company to do the work for you. Mold and water removal is nothing to leave to just anybody, you will want to make sure you are choosing a reputable company.

A mold remediation and water restoration company should undergo industry training to stay at the forefront of advanced techniques. The company should also be able to use the latest tools in the mold remediation and water restoration industry.

The best companies can even bill your insurance, so you have no out-of-pocket expenses. Don’t count out the importance of a business that has superior customer service making a stressful situation a little less stressful. Total Care Restoration has all of these qualities and more.

 

 

Assignment Of Benefits – Restoration Insurance

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Report

Report

Do You Have A Claim?

If you find yourself in need of home restoration, be it because of a natural disaster or normal wear and tear problems that can arise over time, it is helpful to have someone turn to for honest advice about how to proceed. The first thing many people do is to pick up the phone and call their insurance company.

But, as the insurance company most likely has their own best interest in mind, this is not necessarily the best course of action. Several things can happen if you do this, including getting an inaccurate or incomplete assessment of the damage by a contractor hired by the insurance company specifically to keep costs low, or have the insurance company flat out refuse to cover the issue, essentially leaving you in the lurch.

Hire An Adjuster

If you are not aware of the specifics of exactly what your insurance policy covers, you could also end up getting stuck with a bill for something you are not liable for. That is why it is best to hire a public adjuster who can give you an unbiased assessment of the damage, so that you can proceed with confidence and get everything repaired the right way with no out of pocket expenses for you. 

Assignment of Benefits

Assignment of Benefits is a method by which a restoration company will assess the damage for you and deal directly with your insurance company so that all the details are taken care of by experienced professionals with your best interest in mind.

Total Care Restoration will provide a broad and accurate assessment of what needs to be restored and make the insurance claim for our clients. If an insurance company refuses the claim, we have attorneys that work on behalf of our clients at no cost to them, and we always win our claims. 

Florida allows AOB

Brief description on AOB and not all states have AOB. But Florida does.

https://www.myfloridacfo.com/division/consumers/AssignmentofBenefits.htm

What to expect when you do AOB?

If you choose to do an assignment of benefits, the process of getting your home repaired will be streamlined, as all communication occurs directly between our contractors and the insurance company. We do our absolute best to get all of the damage covered, at no cost to you. That means that the whole process will be taken care of start to finish by us, and you will incur no additional out of pocket expenses.

You will not have to spend hours on the phone arguing with the insurance company, and pouring over the fine print because we will take care of all of those details for you. Put your claim in the hands of experienced professionals who will have your best interests in mind.

If you are in the midst of dealing with damage to your home or business, Total Care Restoration can help. Call to make your appointment today. 

Will I still get paid when I do an AOB?

Yes you will get paid for all repairs that are covered under your home owners policy.

This is why we recommend getting a public adjuster, as they will help you file the claim correctly. This way you will get paid as much as possible.

Contact us to get an estimate on your repairs after a water, mold or fire damage. 

Cast Iron Pipe Picture

Cast Iron Pipes

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The Cast Iron Pipe Problem

If you live in a home that was built before 1975, chances are your plumbing system consists of cast iron pipes.

Cast iron pipes can corrode over time compromising their structural integrity.

It is estimated that about 76 million homes in America have cast iron pipes that must be replaced.  These 76 million homes risk severe plumbing problems.

At a low estimated average of $10,000 per home, we are talking about a $760 Billion of damages an repairs that need to be made. This makes cast irons a massive problem for insurance companies.  

What is a Cast Iron Pipe?

Cast iron pipes are a type of pipes that are have been in use for plumbing since the 17th century. They are made of Iron and due to do oxidation and sue they can slowly chip and slowly fall apart.

Common problems over the years can develop like:

  • Sewer Back Up Into Home
  • Roach Infestation
  • Pest Infestation
  • Slow Drains
  • Clogged Drains
  • Water Damage To Home
  • Mold Growth

This and many other types of damage can come due to pipe corrosion. These issues are not minor and most of the old cast iron pipes will show some of these issues.

Cast Iron Pipe Picture

Cast Iron Pipe Picture

Cast Iron Pipes In Florida

In Florida alone, nearly two and a half million homes suffer from this problem and need urgent attention.

Although cast iron pipes have been used in many different water systems throughout the United States in the last hundred-plus years, they do deteriorate over time. In addition they have a lifespan of only between 40 and 50 years. They can even begin to develop problems at 25 years old, depending on their certain circumstances.

Because of the salt and moisture rich environment, Florida homes are especially susceptible to this type of pipe corrosion.  Many residents are finding that their insurance companies are not covering costs related to water damage due to corroded plumbing. Even if the effects of water damage can be quite significant and cost upwards of $10,000-$30,000 to repair or more.

A sewer backup into the home can be particularly detrimental to your property as well as to your health because you could potentially be exposed to harsh chemical additives, bacteria, pathogens and other harmful substances. 

cast iron pipes

Cast Iron Pipes Can Cause Severe Water Damage

Water Damage Caused By Cast Iron Pipes

Water damage is the second most common type of insurance claim. Between 20-30% of all property damage is caused by water.

Ignoring a faulty plumbing pipe system is just an accident waiting to happen, and it could only be a matter of time before you are faced with having to deal with an expensive emergency due to compromised cast iron pipes.

There is an ongoing lawsuit in Florida fighting to get insurance companies to replace cast iron pipes with new pipes, and you may have a claim for damages if you have experienced monetary loss or health issues caused by water damage from corroded pipes.

For more information check out our Water Damage Restoration Guide.

In addition, if water damage goes un attended, it can lead to dangerous mold in your home. If you suspect of having mold at your home, do not neglect it. You need to call a mold restoration company immediately, so they can help you cleaning up the mold.

Does Homeowners Insurance Cover Cast Iron Pipes?

If you had no previous knowledge that your pipes could deteriorate because they are made of cast iron, then you could have a claim.

However, insurance companies are notorious for giving lower reimbursements for cast iron claims, so be very careful. Sometimes the insurance company can take years to pay you your claim. They can even deny a claim completely, even though the policy technically covers it.

So you have to know your insurance coverage, and how to process the claim correctly.

TIP: Always hire a public adjuster for a cast iron pipe claim

Because of how many claims are denied, there is a class action law suit that has been filed. Because so many people have experienced the cast iron problem, insurance companies are scrambling to stem the tide of claims and minimize their losses.

There are policies now that are excluding cast iron coverage, so make sure you understand your policy.

To top it off many policy rates are increasing, and providing minimal stop-gap coverage.

Always have a public adjuster explain to you your policy and your coverage before you start a claim.

Be Careful

They are instead framing policyholder claims as fraudulent and using that to justify the denial of claims.

You can be left holding the bill even though you should be covered.

Policyholders have oftentimes been awarded insurance payouts 3 times higher than those without representation.

Contact us as Total Care Restoration for an estimate on the water damage. We will be happy to guide you and help protect your rights as a consumer. 

Get A Second Opinion

If your insurance company has sent a plumber or hired an engineer to go to your home and evaluate your property, it is in your best interest to get a second opinion. If you have experienced minor leaks, or have seen rusty pipes, dimpling, discoloration or flaking on your pipes, then there is a good chance that they are corroding.

The inevitable remedy will be to replace them so that you can be sure they will not be causing water damage in your home. If you think that your pipes are corroded, the best thing is to hire a professional. You need to get an expert assessment of the situation. 

How Can You Tell If You Have A Cast Iron Pipe

If you have any of the following you may have a cast iron pipe that is causing a problem:

  • Bad smell that you can’t tell where it is coming from
  • Leaks
  • Roaches
  • Frequent Backups 

How Much Does It Cost To Replace?

You should know that if you have a cast iron problem is not going to be cheap.

Replacing a cast iron pipe without water damage will be much cheaper. However, most people realize they have a problem when it is already too late.

Replacing all of the plumbing in a 1,500 square foot home could cost between $8,000 and $10,000.

However, this doesn’t include water damage done to your property which could add another $10,000 – $30,000.

In addition, if you have water damage you will need to rebuild whatever parts of your home had water damage. This could add another $5,00 to $15,000.

So as you can see fixing a cast iron problem completely can cost you anywhere from $8,000 to $50,000

Plumbing Repairs

Our friends at Hernandez Plumbing can do an inspection to find out if you have a cast iron pipe that is corroding.

With this type of work it is extremely important that you use a license plumber with experience. This is not a simple job an it requires very technical knowledge.

In most cases, cast iron sewer pipes should last 75 years in a residential application. In commercial applications, the lifespan of cast iron drain pipes is 30-50 years

Final Word

Contact us, at Total Care Restoration for an unbiased opinion. If you didn’t know that there is was a problem with your pipes, then you could have a claim.

Nearly 40% of Florida homes have a cast iron pipe issue.

So it pays to find out now, rather than later, if your home has an issue.

Was Your Home Built Before 1975?

If you have insurance, your policy might cover the replacement of  your old plumbing.

Contact us for a free consultation. We have helped many clients with their water damage cause by cast iron pipes in Miami and all over South Florida.

Hurricane Damage To Property Thumb

12 Tips To Prepare For A Hurricane

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If a hurricane is heading your way, the best thing you can do is to be prepared. Hurricanes can cause extreme flooding and high winds over 156 miles per hour. Hurricane preparation requires forethought, planning, and action. Our offices are in Miami, so we have had our share of hurricanes. However we learned a few things about how to better prepare for them. 

If you live in a low lying zone where flooding is a regular occurrence then you must prepare your valuable possessions, or risk severe damage. Sign up for emergency alerts so you are aware of the status of the weather event as it progresses. Here are some basic tips you can use to prepare for a hurricane. 

Flood Insurance

If you live in an area that is prone to hurricanes, it’s a good idea to purchase flood insurance. It is usually not included in most property insurance, so you will most likely have to purchase it separately. It’s always better to have insurance and not need it, than to need it and not have it. Even the most inexpensive coverage can help in a catastrophe. 

Tarp The Roof

If you have a small leak or any signs of a leak, you should consider putting a tarp on your roof. Installing a roof tarp will help you prevent any further damage.

In addition it is a very cost effective way to prevent a more severe damage.

Evacuation Routes

Your evacuation route will largely depend on your specific location. Make sure to have several options in case some are too flooded to travel. You can contact your local emergency management agency to find out more information. 

Emergency Shelters 

If your home is in a low lying area, then it’s best to be aware of the locations of nearby emergency shelters. If you live in a mobile home, and the winds and rains are very strong then you will most like have to go to a shelter to stay safe.  

Family Communication Plan

The most heart wrenching outcomes of a natural disasters are the lives lost due to unpreparedness. If you make a plan with family and friends ahead of time then you will be able to keep track of anyone that goes missing and take steps to have them rescued by emergency personnel. Make sure to keep all important phone numbers written down on paper in your wallet. 

Supplies

It’s important to have an array of emergency items on hand to keep you and your loved ones safe. Batteries of all sizes, gasoline for your vehicle, flashlights and backup bulbs, a battery powered radio, cash, and a fully stocked first aid kit will be the bare necessities that you will need to prepare for this kind of emergency. 

Food and Water

Non-perishable foods such as canned goods and dry goods, and lots of drinking water are essential in this type of situation. You must prepare for stores to be closed and basic necessities to be unavailable for extended periods of time. Include pet food if you have pets. 

Emergency Bag

Fill a large backpack or two with items such as a change of clothes, first aid kit, food and water that you can grab in a hurry and get out the door if need be.  

Secure Your Property 

This includes boarding up windows, moving furniture away from windows. Secure important documents in waterproof containers and put them in a safe place. Secure the perimeter of your property by trimming low hanging branches, and storing away anything, such as outdoor furniture, that could be taken away by high winds. 

Backup Power Source

If you will be staying in and hunkering down, then having a backup power source can do wonders for your level of comfort. If you have a generator then you can still cook and refrigerate food. 

Make Plans With Neighbors

Many people rely on neighbors during a natural disaster as a last resort. Sometimes your best option will be to call on the help of those nearby, so it’s wise to have their contact information available, if you don’t already have it. Make a plan to check on each other if you call and don’t get a response. You could help save a life. 

Pets

Make sure your pets are wearing identification tags on their collars. You will be more likely to be reunited with a lost pet if they are microchipped, and registered in your name. Another thing you can do is to put your cell phone number on your pet’s tag. Make sure that you can bring your pet to emergency shelters on your evacuation routes. Don’t assume you can, and have a backup plan if not. Research hotels, motels, vet’s offices, or pet boarding facilities that you can bring your pet to in an emergency. Also consider boarding them with a friend or relative out of the storm’s path of danger. Remember, if you evacuate, always bring your pet. 

Now you have a few tips that should help you be prepared for the coming storm. Don’t hesitate to contact us if you have any questions, or if you would like our help.  

public adjuster service

Should I Hire An Adjuster For My Claim?

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In the wake of a natural disaster or event that requires an insurance claim on your home or property, it can be difficult to go about adding up the value of all that was lost or ruined.

You are dealing with the physical and oftentimes emotionally traumatic aftermath of the catastrophe, and at that moment, dealing with an insurance company can be too much to handle on top of everything else. 

Experience Is Key

When you need an experienced professional who knows the ins and outs of the industry enough to advocate for you and the wellbeing of your family, this is when hiring a public adjuster can pay dividends. Just as insurance companies are well versed in how to keep money in their pockets, a public adjuster is well versed in how to do just the same for you, and help you get the most out of your claim. In other words, they will help you get the maximum value of your assets based on your insurance policy.

Based on the evidence of insurance claims statistics, many times it can be at least 10-15% more than what an insurance company will initially estimate and sometimes much more. 

Should I Hire A Public Adjuster?

So What’s The Difference?

Ask More Questions Small

An Adjuster Know What Questions To Ask


You may be wondering why is there so much of a discrepancy between the figure an insurance company will generate for repair or replacement of valuables versus what a public adjuster would come up with. Many times it’s just plain and simple research.

In addition, a public adjuster can ask all the right questions. You may all types of specialized and custom built items to account for in an insurance claim. Most of the time, things like these either goes unnoticed, or conveniently ignored by insurance companies. 

You May Get More Money For Your Claim

An Adjuster Will Get You More Money

An Adjuster Will Get You More Money

For example, one homeowner who suffered damage from a hailstorm, had to replace custom copper dormers and specialized roofing and tiles among other things. The insurance company calculated the retail value and labor installation costs to replace these items. And their results were less than half of what they would really cost to replace.

This is why you cannot rely upon the logic of their insurance company to account for your losses. We have seen many clients receive much less than what they should. 

But, instead, since they hired a public adjuster, they were able to get the full value of damage costs. And the damages ended up being over $200K!

This is only one example of why it’s important to have someone on your side. Most public adjusters are willing to go the extra mile, so you don’t end up paying out of pocket to replace what your insurance policy covers. 

When Not To Hire One

In not every case is it necessary to hire a public adjuster though. If you are dealing with a smaller claim, and you can do the research yourself, you may not need an adjuster. In addition, if you have had experience in the past doing claims, then you may already know what you will need. 

A public adjuster will usually charge a percentage of the claim, and somewhere in the ballpark of 10-20% of the entire claim, depending on how much it is. But remember, it’s very likely they will be able to get more from the claim that you would. 

An Adjuster Will Help With All The Process

The public adjuster should be licensed to work in your state. In addition, he/she should be familiar with the true cost of things, such as hiring a restoration company to do repairs. An insurance company will oftentimes try to cut as many corners as they can– whatever is best for their business. Some times the insurance company can bring in an insurance adjuster who is not familiar with the cost of doing business in your city. Also, their adjuster will look for the companies best interest. 

Who will be looking for you best interest?

They may make generic estimates based on outdated figures. Their adjuster may even suggest to replace your damaged items from cheaper sources.

For example, they may suggest you replace your damaged rugs with items from Wal-Mart, when you actually bought them from Macy’s.  

Additional Benefits Of Hiring An Adjuster

Catastrophic damage will often result in an insurance claims process that can take up to a year to process. In that time, it’s important to be aware of all the things that your policy covers. If you suddenly find yourself without a place to sleep, you may even be entitled to “additional living expenses”. Your policy may include hotel and food expenses while your home is being repaired.

It’s the little things like this that hiring a public adjuster can help with. If you hire one with many years of experience, they will be able to give you priceless advice that will make all those years of high insurance premiums really pay off. It’s wise to hire a reputable public adjuster early in the process though. This will ensure that they have enough time to assess the damage, and file paperwork according to deadlines so as to maximize the return on your coverage.

Final Word

We recommend hiring an adjuster for any of the following:

We have personal experience working with clients that do claims with adjusters. They often get more money with less stress.

So everyone wins. If you need help picking an adjuster, we have worked with many in the past. Just contact us and we can help.

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