Florida is prone to natural disasters that can affect the dwelling of our properties, whether it’s our home or business. These disasters, such as hurricanes and heavy rain storms, can cause a variety of devastating damages. There could be mold infestation, fire, flooding damages and the like but it still doesn’t change the fact that we still must fix the damages ourselves. It is held within our responsibilities to fix these damages so that we can keep our family and business safe and away from any or added harm and danger. So, what could your next step be? You must ensure that if the damages are extensive you must include your insurance company in the process.
Your insurance company should be involved in any situation where you are in need of financial help or if you need advising. If not, you should look into hiring a public adjuster especially from Churchill’s Public Adjuster because they know how to take care of your claim properly. They specialize in the following areas in Miami, FL:
Types of Claims
A/C DAMAGES
Leaks and damages usually happen if your filters have not been changed for awhile or it can be because of a hurricane damage, storm damages or even vandalism. These are just a short list of what could cause an air conditioning damages. Public adjusters are the solutions to your claims problems. They will explain the cause of the damages and ensure the maximum is given to you form the insurance company.
DAMAGED DRAIN LINES
Drain lines are difficult to fix because they are located underground. It’s difficult to spot where exactly its broken and how it was damaged. However, don’t stress because all these questions can be asked if you reach out to a public adjuster. An adjuster specifically from Churchill’s Public Adjuster, dealing with damaged drain lines in Miami, FL is one of their specialties. They can investigate and inspect your home so you can get the appropriate amount of settlement you need.
DAMAGES FROM FIRES
Recovering damages from personal belongings and property dwellings are rather difficult when a fire is involved. Repairs are tough to make without having multiple agencies and emergency services involved. So how would you exactly go about fixing your home? Well, public adjusters are experienced in fire damage claims, they work towards restoring your property in the way it should be. They also advise you in the necessary steps you need to take to ensure you that you will get the necessary compensation that you need from the damages.
FLOOD DAMAGE
Miami flooding usually doesn’t occur unless you are living in an area where it constantly floods or if a hurricane or tropical storm comes by. It is also most prevalent when the summer months roll around and thunderstorms start rolling in. Everyone living in Miami have been a victim of all of these things but what do you do when the floods seep into your home and you’re left to fix extensive damages on your own? Before you do anything, calling a public adjuster should be your first step.
MOLD
Mold is unavoidable and are spread anywhere. However, most mold aren’t harmful until it starts to spread. Mold grows in humid, wet areas where they start of as mold spurs and grow bigger and bigger, that’s when they start to affect your health and your home at the same time. If you have mold appearing in your house in Miami, FL, public adjuster will be more than willing to help you get rid of them before its too late.
PLUMBING LEAKS
We use our bathroom, sinks, toilets and washing machines every day. We live our day to day lives forgetting to think that pipes underground will eventually break and cause a leak. It can be because of natural disasters, or crimes such as vandalism where someone could have struck your pipes. Whatever the case may be, you need to be covered. By hiring an adjuster straight from Churchill, they will make sure you are covered by reviewing your policy and talking you through the process if the damages in your plumbing are severe.
ROOF DAMAGES
Roof damages are easily fixed if it is caught at a timely manner. Heavy thunderstorms, hail, wear and tear and the like causes them. They also put a big strain on homeowners because of the inconvenience and are not facing the consequences of dealing with insurance companies. Churchill’s Public Adjusters in Miami, FL for roof damage will help you with the inconvenience in terms of handling your insurance company and allows you to focus on keeping your family in a safe place.
VANDALISM AND THEFT
Vandalism and theft are both criminal offenses. If found committing both, you may be facing financial or prison consequences depending on the damages you’ve caused. But if you’re the victim and your property has been vandalized or burglarized, a public adjuster will help you get settled with your claims. Churchill’s Public Adjuster will help you through the process and guide you in understanding the extent of the damages.
BUSINESS INTERRUPTION
Your business is thriving and the last thing you want to do is deal with interruptions. The number one cause for business interruption is natural disasters because it is something no one can prevent. Be sure to get the necessary insurance policy that you need so that your business can be covered from any perils and dwelling destruction’s. Contact Churchill’s Public Adjuster to help you understand the contents of your insurance policy or claims that you may have.
DENIED/REOPEN CLAIMS
You have just gone through the motions of filing an insurance claim for your home and business. The next thing you know, you get a letter stating that your claims have been denied. Well luckily, in Florida, there’s a 5-year limit for you to reopen your claims. Consult with an public adjuster for denied claims to help you get started on reopening your claims.
RESIDENTIAL CLAIMS
Living in Miami is no doubt the best, but once a hurricane or tropical storm comes, we are faced to deal with damages made to our home. In this case, look through your policy for coverage for all the damages that could be made during a natural disaster. With the hustle and bustle of our Miami lives, it is hard to deal with such things so that’s why speaking to a public adjuster for residential damage will help you distress from any upcoming disasters you feel like is happening or should be prepared for.
