Help with flood insurance claims in Miami Dade and Broward Floods can be as devastating as a Hurricane or a Fire loss but most people do not purchase flood coverage. Most homeowners are under the impression that with Home Owners Insurance they will be protected in the event that a flood occurs but in actuality, Home owners insurance does NOT provide that coverage. Flood insurance is an inexpensive insurance that can dramatically help you in the event of a flood. We at Alconero and Associates Public Adjusters are FEMA certified and have completed the National Flood Insurance Program so that we can better assist our clients.
With years of experience in adjusting flood damage claims, the professionals at Alconero and Associates Public Adjusters have a thorough knowledge of the coverage provisions of the National Flood Insurance Program’s (NFIP) policies. Our adjusters have specialized training and expertise in appraising, preparing and negotiating flood damage insurance claims covered by NFIP policies.
Filing a flood insurance claim through the National Flood Insurance Program is different than filing other types of property damage claims with your insurance company. With NFIP claims, there are many different steps that need to be taken, and strict deadlines that need to be met. For example, the NFIP requires that the Proof of Loss form be completed and filed within 60 days of the flood. When time is of the essence, it is important to have professionals on your side to ensure that you get what you are due from your insurance coverage.
Here at Alconero and Associates Public Adjusters we work solely for you, the policyholder, and represent your best interests to the insurance company. We have a long list of satisfied clients who we have helped through their flood insurance claims and to make a full recovery.
What does a Public Adjuster do in Miami for Flood Insurance Claims
Miami and its surroundings have a natural attraction due to its geography and its climate, that is undeniable. But there are also risks that are specific to this particular region, and one of them is flooding. That is why many homeowners in the city choose to protect themselves by purchasing insurance. However, to be truly forewarned, you must also consider the difficulties that may exist when collecting a claim for flood damage in Miami. That’s where the public adjuster comes in.
Having a flood in your home is a problem for many reasons. First of all, it can pose a risk to your health and that of your family. Then there is also the economic toll that Miami flood damage can cause. And finally, do not underestimate the time and effort that the procedures can mean to be able to collect the insurance. The latter should be a minor issue, but unfortunately it is not.
The insurance company will send their own adjuster to estimate the property damage from the flood. You could stay calm, but the truth is that the company employee responds to other interests that do not always coincide with yours. Insurers try to maintain their profit margins, and that means lowering operating costs. Therefore, they may be inclined to minimize costs in order to pay less or even reject many claims from their clients.
In Alconero & Associates we know that this cannot occupy your time in a time of stress. That’s why we can help you make your Miami flood insurance claim by representing your interests to get the best deal possible, including all damages.
How to recognize Flood damage
Each insurance policy has a detail of the events it covers and the exceptions. It is common for insurance companies here to cover flood damage in Miami, but that does not mean that all costs are covered. A careful reading of the policy can help identify those expenses that are covered from those that are not. We know that this can present a difficulty for most inexperienced people. Therefore, having a trusted public adjuster can be useful from the beginning, to help you interpret the contract with the company.
One of the most important questions when making a claim is the identification of the origin of the flood. Based on this data, it is possible that the case falls within the orbit of the policy, or it is excluded. It is not the same if the flood was caused by a rain, a hurricane, a sewer overflow or an internal leak.
Another important point is the obligation that exists in most cases for the client to try to reduce all the damages that are within their reach. Many of the policies include these clauses, so the client must act with everything at his disposal to reduce flood damage in Miami. This may mean using tarps to cover objects, repairing doors and windows, etc. So, the question of time is also important. If the flood causes sudden damage, there is not much that can be done. But if the damage occurs slowly, over time, the actions you take to prevent it can be decisive.
Within flood damage in Miami, the most common occur on the floors, carpets and walls of the home. Interior objects such as furniture, appliances, clothing, etc. may also be damaged. However, the most serious damages are those that are caused on the foundations of the building. This structural damage can even be irreparable, in the worst case.
Make a request to my insurer
Faced with the misfortune of suffering a flood, you must face the insurance claim process to cover the costs that have been generated in your home. For this, it is important that you have all the necessary information. The insurance company is likely to try to deny the claim through one of the clauses in the contract. For example, alleging that you did not make the necessary repairs to prevent the flood. Or, they may say that you did not make every effort in your power to avoid certain property damage.
Therefore, it is important that you have adequate advice when making a claim. Both to review the policy and identify covered costs, as well as to calculate flood damage in Miami, a public adjuster with the track record of Alconero & Associates can make a difference.
Advantages of working with a PublicAdjuster in Miami with your Flood Damage Insurance Claim
There are many advantages to working with a trusted public adjuster. Mainly, you can rest assured that your interests will be well represented in the negotiation with the insurance company. As we mentioned, these companies may try to minimize the cost of repairs or even deny the claim. In these cases, you are in inferior conditions compared to the company, which has the experience and technical knowledge of similar cases.
Have the advice of recognized public adjusters such as Alconero & Associates can be decisive in obtaining a good deal. In your claim for flood damage in Miami, we will advise you from the beginning of the process. Having a good understanding of the policy is a first step in identifying the scope of insurance coverage. Then, carrying out a damage assessment that is realistic, and includes all costs in their dimension, is essential to make the deal as beneficial as possible. And, in addition, the public adjusters will ensure that the documentation is submitted in a timely manner, so that there are no arguments by the company that justify the rejection of the claim.