Saturday, August 12, 2017

Storm Damage Tampa Florida Home Repairs

By Mary Stewart


There has been increasing grievances to the Better Business Bureau for many insurance companies have been denying residential claims for storm damage. You may be curious to know that a large portion of insurance companies have outsourced their claims department. This gives the insurance company a buffer between you and them. Your agent will often apologize for the denial of your claim and express remorse. They will explain that the independent adjuster is the person who has the power to refuse or validate your claim for Storm Damage Tampa Florida.

How do you get started? Is it possible to tell who is going to help you and not scam you or rip you off? Is it possible to completely trust your insurance agent? Who do you contact for expert advice? These questions are hard to answer when you are sitting there vulnerable after a natural disaster of any magnitude. Here is a list of advice to get you started in the long and overwhelming process of repairing spoilage to your home.

Spoilage Checklist- Contact your insurance agent. This is, of course, the first and most important advice anyone can give you. Your insurance agent is your ally. Make sure when you are purchasing insurance in the first place that you research local insurance agents. A good rate is one thing but an insurance company that you can count on in a time of need is something completely different. The cheapest might not always be the best way to go.

The adjuster is the person who evaluates the property for spoilage. He or she may be very experienced in residential construction, or they may have none at all. It is hit or miss with the adjuster you get to process your claim for storm spoilage. The inspection for spoilage is very subjective, to say the least. I have seen homes torn to shreds with hail spoilage and the adjuster would deny the claim as mechanical spoilage.

Be aware of doors that are stuck or cracks in the ceiling, as these may be evidence that the foundation has been damaged and the house is shifting. If you are unsure or concerned about the spoilage, contact a professional home inspector for additional advice.

Your homeowner's insurance policy should cover a temporary home for you. Make sure to check with the agent when they arrive to scope out the damage. They might have special restrictions on where you are allowed to stay and for how long, make sure you are aware of these things in advance if possible.

He may be inclined to tell you or your contractor to resubmit for a second inspection. This makes no sense for it is an inconvenience to the homeowner as well as a waste of time. The insurance companies are concerned with keeping their double A plus ratings with the review board. If the weather is bad in your area, do not be surprised if your claim gets denied.

You should know that if you shift to another state or another area in your state, you could need special coverage for that area. The best advice any homeowner can receive is to find a trustworthy and reliable insurance agent. They will be your best ally if storm damage ever affects your household.




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