In Florida, hurricanes and tropical storms forcing wind damage can be extremely destructive to home and business properties. Unfortunately, insurance companies oftentimes underpay hurricane and wind claims. Depending on whether the property is residential or commercial, you will have other concerns as well.
These are the coverage needs a home owner and a business owner have:
This type of property damage is one of the most commonly filled types of insurance claims in Florida. It can include pipe bursts/breaks (in the wall, under the slab), dishwasher leaks, broken icemaker lines, air conditioner leaks, leaks under the kitchen sink.
These situations need to be taken care of right away. Otherwise they could lead to even more expensive damages. Unfortunately, water damage can be costly, as well as time consuming to repair.
Damage from fire or smoke is very dangerous and devastating. The resulting damage from a fire must be professionally evaluated by an experienced public adjuster and estimator to ensure that the homeowner is properly indemnified. If you experience a fire, it’s best to leave the property as quickly as possible and call 911 immediately!
Fire Damage, just like Hurricane Damage Claim, and Flood Damage Insurance Claims, can be extremely complex because of the large volumes of harm they lead to. We commonly find hidden damages to residences and businesses that will result in a greater settlement to you.
Roof leak claims can be caused by a wide variety of circumstances, including wind damage due to hurricanes, tornados, or tropical storms, as well as from heavy rain.
In many cases, a roof leak will cause damage to the interior of a home or commercial property, including deterioration and swelling of walls, ceilings, and baseboards, as well as cracked paint and stains. All of these scenarios are claims!
Walking into your home or business after it has been damaged by a break-in, vandals or prior tenants’ is devastating. At Star Public Adjusting, our job is to ensure that your damages are properly reported and your claim is filed immediately, so we can recover what you deserve.
Theft or Vandalism losses involve damages from destroyed doors, windows, graffiti, stolen items. A Theft or Vandalism loss would be considered the items taken from your home or business.
Flood is regulated by NFIP and has to have a 2 mile radius and be considered a ‘’conditional flood”. Flood coverage provides a great amount of protection that is not provided by a typical homeowner’s policy and is highly recommended to have.
Most property owners who want flood insurance protection will need to purchase it through the National Flood Insurance Program (NFIP). This coverage is available to those who reside in a community that is in compliance with federal storm water and flood plain management rules.
Policy holders who do not have flood damage coverage under the NFIP program, but whose property was damaged by water, may have certain coverage under their homeowner’s policy if the following conditions apply:
This is a condition that actually affects plenty of homes in the south Florida area. The fact is that as long as the house was exposed to water or moisture, your property has a high chance to develope mold and incurre damage.
Molds are mildew growth found on damp areas. Allergies and flu symptoms are often indications that the mold infestation inside the house is already quite complex and hard to remove. If left untreated, the mold presence could potentially endanger the life of the person as they encounter respiratory issues.
South Florida area is very humid and creates the perfect environment for mold growth if previously exposed to moisture and/or water damage.
