Home insurance is crucial to protect you against unexpected calamities and losses. In most cases, plumbing and leaks are covered by an insurance company. However, there can be some exceptions. Here, you will find all you need to know to get your insurance claim for your plumbing and leak requirements. If everything looks too confusing, you can always get in touch with a public adjuster in Miami.
First and foremost, it is essential to understand that your plumbing and leaks insurance will be covered if the issue is not a result of a lack of maintenance and is accidental or sudden. There are two ways in which home insurance covers leaks and plumbing issues.
- Personal Property Coverage
In this case, your insurance will cover it if your personal property is damaged as a result of a leak or plumbing problem. For example, if your computer or TV gets damaged due to flooding in the bathroom, your insurance company will pay for it. However, there might be an upper limit cap that you must check.
- Dwelling Coverage
This coverage pays for the damages caused to your house structure due to a pipe burst or other plumbing-related issues.
As mentioned above, it is essential to note that your home insurance does not cover maintenance-related and long-term leaks if you did not immediately take action. Additionally, some other issues that are not covered by your home insurance are mentioned below:
- Flood Damage
If you opt for regular home insurance, it does not cover flood damage even if the cause of this damage is a storm, hurricane, or any other natural calamities. However, with some insurance companies, you can get additional insurance for floods.
- Replacement of the Source of Water Damage or Repair Cost
An insurance company covers damage caused by plumbing issues, but in most cases, the source of the damage is not included. For example, if your washing machine causes your house damage, the cost of repair will be covered, but the insurance company will not replace your machine.
- Damage Caused by Outside Drain or Sewers
Most insurance companies do not cover the damages caused by outside sewer or drain. But you always have an option to buy additional insurance for it.
Hence, you must read the policy documents carefully before buying your insurance. In case of doubts, you can always get in touch with an expert Florida public adjuster such as Alconero and Associates Miami Public Adjusters to help you out.
MIAMI PUBLIC ADJUSTERS
INSURANCE CLAIMS PROCESS
EXPERTS IN INSURANCE CLAIMS
We evaluate existing insurance policies in order to determine wha coverage may be applicable to a claim.
RESEARCH
We investigate all detail, and substantiate damage to buildings and contents and any additional expenses. We also evaluate business interruption losses and extra expense claims for businesses.
DAMAGE DETERMINATION
We can determine values for settling covered damages. We will prepare, document and support the claim on behalf of the insured.
NEGOTIATION
We negotiate a settlement with the insurance company on behalf of an insured, negotiating dollar values and if not able we continue to appraisal or mediation.
What is a Public Adjuster in Miami?
A public adjuster is a professional insurance claims manager. Public adjusters are hired to file, document, and advise on insurance claims. They also represent the insured during the process of assessing a claim’s worth and validity and negotiate with the insurance company in order to get the claimant the largest possible settlement. Essentially, a public adjuster is an advocate for the insured, ensuring that claims are correctly submitted and processed, and then working with the insurer in order to obtain the insured a higher payout.
