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Fire damage claim



Fire damage claim



Fire damage claim



Water Damage Claims

Water is both the friend and the enemy of homes and commercial properties. It’s the friend, because we all need water for our kitchens, bathroom, showers, etc. But water damage is the great enemy of your property. In and around Weston, Florida, and all of Broward County, we often think “hurricane” or “flood” when we think water damage claim. However, we see all types of water damage not only in Weston but in nearby cities such as Pembroke Pines, Miramar, Davie, etc.

Before thinking about plumbing leaks, burst pipes, and water damage, most people think of home insurance claims, hurricanes, tornados, hailstorms and fire comes to mind. Actually water claims represent about 30% of claims filed nationally. So, what do we mean by water claims and why are are they so prevalent?

All homes, condos and buildings have water traveling to them (under pressure) and away from them (not under pressure). When the pipes or joints in the pipes fail, the result is almost always water damage. For example, a copper pipe behind the sheetrock in your home has a very tiny hole in it as the result of a sheetrock nail or screw piercing it. Although the water traveling through the pipe is under pressure, it may take months or even a year before you notice the damage it can cause. The very fine mist of water coming from the pipe eventually soaks the studs, wall, and the carpet on the floor. Now if this leaking pipe is in the very back of a walk-in closet stuffed with clothes, how long do you think it would take to notice the resulting damage? Suddenly you have a water damage claim, call your insurance company and may quickly realize that a public adjuster can help represent your interests vis-a-vis the insurance company.

Fires happen and, ironically, it is often the water damage that is the problem afterwards. Our licensed, professional public adjusters have seen every possibly type of fire or water claim and fought for the rights of homeowners, commercial property owners, and even HOAs (condo associations) against insurance companies. It is important to realize that even a small kitchen fire can create a large amount of damage. Unlike, smoke flows throughout a building penetrating almost any kind of structure causing hidden damage and odor. The deodorization, soot removal and smoke removal are key components of the post fire repair process. That tedious and expensive recovery shouldn’t be paid by the policyholder, the insurance company has to, if it is covered by the policy, put the property in the same condition it was before the fire damage, the smoke damage , and any kind of property damage created by fire, even if it is an insignificant fire originated in the room of the house used for food preparation and cooking, that left behind some burnt corners on the kitchen cabinets.

The communities of Broward county have both old and new homes. In some communities, the older 1950 homes were constructed with sewer pipes made from tar paper called Orangeburg pipes and will need to be replaced if discovered attached to your home. These pipes are especially susceptible to damage from tree roots. Whichever type of pipe that drains waste from your home, your homeowner’s insurance is not going to offer coverage for its repair or damages resulting from its failure but your insurance policy does cover all the items you need to break in your property to access that defective pipe. Almost all home plumbing issues can result in a homeowners water insurance claim. You may find out that the insurance isn’t eager to pay; hence the need for a public adjuster that serves Weston Florida and other communities west of Fort Lauderdale.

The Florida homeowner’s insurance policy does not provide coverage for any underground pipe leakage or the resulting damage to your yard or home.

Only pipes located within the home structure are covered by the insurance policy and there are limits to that coverage as well. The good news is that a plumbing company will typically have the necessary equipment to inspect these underground pipes prior to a home purchase for a reasonable fee. The plumbing company uses modern camera technology to inspect the pipes for leakage or cracking due to tree roots or age. By spending a little money prior to purchase, the homebuyer will be able to detect if the sewer system is in good shape and whether a failure is expected in the short term.

As for the pipes providing the water source from the city or municipality in which you live, they are considered underground pipes and are not covered by your homeowner’s insurance policy. If the water main supplying your home ruptures or cracks, your only option would be to appeal to the city or municipality in which you live.

What about the hoses that are connected from your washing machine to the water supply that hasn’t been replaced in many years? You return from a 3 week vacation only to find the areas closed to the washing machine are flooded because this 12 year old hose finally failed or maybe a rat discovered a trickle of water and began chewing through the hose. Water claim!

You live in a downstairs condo or apartment and come home from work only to find your beautiful lush carpet completely soaked and most of your living room furniture soaked as well because your upstairs neighbor’s AC water pan is spilling over gallons of water or the toilet is leaking profusely down the wall and into your unit below. Water claim!

It goes without saying, where there is water, there is eventually going to be damage. Be aware. If you live in Ft lauderdale, Miami, Weston, or any other city of south florida and have suffer property damaged by water, call the water damage line for south florida, 1 855-305-claims (2524) or Ft lauderdale line 954-622-0088

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Don’t wait too long to claim your property damage! The sooner you start the process, the faster you get compensated. Get in touch today to get your damage claim appraised.

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