Water damage in Boca Raton FL is responsible for more property claims than any other type of property damage, and represent the largest financial burden on insurance companies. In turn, insurance companies may try to sidestep this responsibility, resulting in costly hassles and untold aggravation for their clients. A professional claims adjuster can use cutting edge technology to inspect your property and estimate your damages accurately. Call today: 561-306-1408
Types of Water Damage in South Florida
There are three major categories of water damage. They’re based on the type of water involved in the damage, and the threats that water can cause to the health and well-being of the property’s occupants.
- Category One (“Clean Water”)
Clean water refers to water which doesn’t contain significant waste—water from, for example, a broken water supply line or overflow from a source of potable water. This water doesn’t post an immediate health risk, but can still cause property damage, so it must be addressed quickly.
- Category Two (“Grey Water”)
Grey water contains contaminants that are toxic to humans, or may cause infections or other illnesses. Toilet overflows, sump pump failures, and other unsanitary sources of water are the source of damage in category two cases. Contact with the water involved should be avoided.
- Category Three (“Black Water”)
Black water is heavily contaminated water that contains bacteria and other waste that pose a serious risk to human beings and animals. Ground surface water, river flooding, and raw sewage area all considered black water sources.
A trained expert can help you identify the category of water damage in your home and work to prevent mold and structural damage. The first step is controlling the situation. After that, you’ll need assistance with your water or flood damage insurance claim.
Top Tips for Dealing With Water Damage Insurance Claims
Unwanted moisture, high humidity, storms, hurricanes, and floods can all contribute to the water damage South Florida residents must cope with, in addition to commercial and residential mishaps. To get the best possible results from your claim, follow our top tips:
- Keep an updated, certified copy of your insurance policy on hand.
And if you don’t have one, requesting one should be your first stem as soon as you notice that there is the potential for property damage. Having it on hand will assist you in filing your claim, and will also help outline your rights and options for your claims adjuster.
- Practice Patience When it Comes to Restoration
You’ll want to take immediate steps to mitigate property damage from the encroachment of water or moisture, but do not undertake repairs or restoration until you’ve consulted with your agent and your claims adjuster. Taking steps to conduct repairs and restoration before agreeing on the scope of the damage with your carrier could lead to underpayment or even denial of your claims.
- Trust in Technology
A visual inspection is not adequate when assessing water damage in South Florida. If your insurance carrier isn’t using moisture mapping technology, infrared imaging, or other top of the line technological tools, request an inspection through your adjuster.
- Get Multiple Estimates
Don’t rely entirely on your insurance carrier’s estimates of the damage. Water damage Boca Raton FL clients have found that these estimates aren’t always sufficient to return their property to full functionality. Keep in mind that you and the insurance company may have different interpretations of what a complete repair should entail. Getting your own estimates can help you make the case for a more reasonable settlement.
How a Public Adjuster Works for You
When it comes to water damage in South Florida, a public adjuster can help you understand your rights as stated by your policy. The language used in your insurance policy can be difficult to interpret without an expert’s help. Furthermore, the damage you’re claiming might require investigation to determine its cause and under which sections of your policy it might be covered. Using a public adjuster has been proven time and again to increase the amount of settlements that clients can expect from their insurance company. The water damage Boca Raton FL property owners might endure can lead to years of costly repairs. Get your claim settled, fully and correctly, the first time.