Water damage is one of the most common occurrences found inside of a property. To this effect, Water Damage claims are the most commonly filed insurance claims. Water Damage claims can range from broken or burst pipes, dishwasher leaks, shower pan leaks, air conditioning leaks, window leaks, and many more.
Once an insured has experienced water damage in their home or commercial building, it is extremely important to contact the experts at Alconero and Associates Public Adjusters to document and present the loss correctly to avoid unnecessary denials.
When water damages your home or business, you need to start the clean up process immediately to mitigate the risk of further damage. When a building has suffered water damage, microbial contamination can begin within 24-48 hours of the loss. Even though your mind is on the restoration process, it is important to contact your insurance company to file your claim as soon as possible.
There are often confusing and difficult to understand stipulations in a property insurance policy regarding what type of water damage is covered. The adjusters at Alconero and Associates Public Adjusters are very familiar with complex insurance language and can review your policy to ensure that the damage you’ve sustained meets the outlined conditions. Our adjusters inspect your property and make sure that your claim includes the full extent of the covered damages.
Our team will lead the claim filing efforts, freeing you to focus on getting your home or business back in order—instead of spending time learning the insurance claims process. Contact Alconero and Associates Public Adjusters to find out how we can help with your water damage insurance claim.
What is considered water damage in Miami
Damage from broken pipes or water leaks in general may seem minimal when compared to hurricanes, fires or major floods. However, this is only in appearance, since statistically they are more significant due to the frequency with which they occur. The problem may well be in one room or, on the contrary, spread throughout the house and easily get out of control. If the problem isn’t addressed quickly, water damage in Miami can become a major headache. Therefore, at the slightest indication of a leak, it is advisable to call a trusted Public Adjuster such as Alconero & Associates to take care of the matter and to file the insurance claim.
There is a wide variety of water damage that occurs in the home. Some of them can only be on surfaces, such as paint on the walls or carpets. Instead, others can reach the foundations of the construction and become a much more serious problem. It is also possible that even objects inside the house, such as furniture, appliances or valuable documents, can be damaged. For this reason, the presence of a public adjuster who correctly evaluates the damages can be essential.
There are also secondary risks of a water leak. For example, it could happen that the water reaches the electrical wiring or some electronic device and produces a short circuit. As a result, a fire that endangers people or a risk of electrocution may be caused. Therefore, they must take all possible precautions to prevent this from happening or to repair it as soon as possible once it has already happened. Even mold growth can be a problem, as mold grows in humid conditions that seeping water is sure to encourage.
How to avoid water damage in Miami
Water damage in Miami can be avoided, but it’s not that simple. Therefore, it is good to have some useful tips on hand to solve this problem as soon as possible. In most cases, leaks are caused by a damaged pipe or a bad connection in the washing machine or other appliance. The best alternative to prevent this type of damage is to frequently check all the places where there is a possibility of a leak. Checking the periodic connections can be used to quickly detect the minimum loss. Using reliable materials and, in case of wear, replacing them before they break is also a good idea. As for the internal pipes, it is difficult before a leak. In those cases, the best thing to do is to be vigilant in identifying the appearance of water as quickly as possible.
It is not easy to notice a water leak, especially when it is small. The pipes can leak water for a long time without us noticing it. One of the signs that can appear and that help identify leaks are damp spots. These can appear on the ceiling or the walls; they are brown or similar in color and expand as the water continues to filter. In the most serious cases, it is possible to directly identify the presence of water in the form of drops or accumulated in certain parts of the house.
Other less common but useful methods to identify leaks are sounds. When the pipes make a strange noise, something may be wrong. It can also happen that the water jet is not even due to the presence of air in the pipes, which can be an indication of a leak. Finally, the musty smell can also be a distinguishing sign. If you notice it, it is likely that the problem has been unidentified for a long time.
How do I know if my policy covers water damage
In the event that we identify a leak, we will most likely want to call insurance to cover Miami water damage. It is important to know the scope of the policy to know if the insurance covers this type of damage. Many clients are confident that this is the case, but when the time comes they find that the clauses of the policy do not include this problem. This can be for a variety of reasons, as water damage is often more complex than you think.
For example, depending on the source of the problem, some policies may or may not cover the damage. A broken pipe is not the same as a poorly installed washing machine or a window that allows water to pass through. Determining the origin of the problem is essential, and may also involve acknowledging someone responsible for a job poorly done. Another important issue is the severity of the leak. If it is a small leak, it may have been going on for a long time before it was identified. That may be an insurance argument not to take charge for the damage, since it may indicate negligence on the part of the client or a damage that was pre-existing when the insurance was contracted.
Trust a Public Water Damage Adjuster in Miami
In any of the aforementioned cases, having an experienced and reliable Public Adjuster such as Alconero & Associates can make the difference between a successful or unsuccessful claim. Our professionals will help you from the first moment, identifying in the insurance policy those damages that are covered in order to make the claim. In addition, the help will be essential when making the assessment of water damage in Miami in a complete and exhaustive way so that nothing is left out. Finally, you will also receive the best advice for the presentation of the documentation. In this way, you will ensure that you do not make mistakes that could delay the process or even generate a refusal from the company.