2022 – It’s a wrap! Experienced Floridians are used to preparing for hurricanes. With the blink of an eye, we’ll be right back at it. The 2023 hurricane season starts back up June 1, and we are anxiously waiting for NOAA to release its seasonal outlook report in May. Until then, now is the time to catch up on weather-proofing your home, checking your insurance policies, and following through on insurance claims.
In this article we provide our most popular articles from 2022 on a variety of property insurance and property damage topics from mold to the insurance claims process.
Got mold? Read this.
Hurricanes, tornadoes, and even heavy winds can cause property damage and side winds bringing in water to your home. We all know that mold can cause significant health challenges for children and adults alike. The damage that mold can do to your home is just as dangerous as the damage it can inflict on your health.
Around your home, there are plenty of materials and surfaces that exacerbate the growth of mold. Fabrics, wood, and paper are some materials that mold feeds on and destroys. Your wallpaper, carpet, floorboards, drywall and ceiling tiles are just some of the materials that can fall apart when mold is involved.
If left untreated for a long time, these structures in your home will eventually collapse or crack. You might need to throw away some of the mold infected stuff because the mold can grow back, filling in the empty spaces and cracks in porous materials like paper, wood, sponges and rubber.
Read How Do I Rid My Home of Mold in My Bathroom, Kitchen, or Walls?
Are you a business owner? Read this.
Property damage can be devastating to your business and threaten its livelihood. There are three steps to disaster preparedness for your business: insure, secure, and recover. It is your responsibility as a business owner to understand your rights and responsibilities under the terms of your business’ property insurance policy to ease the recovery process. However, it is your right, and the insurance company’s obligation, to treat you fairly in case you have a property damage claim.
Read Preparing Your Business for a Disaster [Checklist]
Considering filing an insurance claim for your home or business? Read this.
The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization for insurance companies. As a part of NAIC’s regulatory oversight agenda, it tracks complaints reported by consumers to their respective state insurance departments. Confirmed complaints are those where insurance providers have committed a violation of state insurance law or regulation, federal requirements, or terms of an insurance policy. Can you guess what are the top five problems policy holders experience with their insurance provider when submitting claims?
Read Top Five Problems You May Encounter With Your Insurance Company when Filing a Claim
The 2022 hurricane season produced 14 named storms with winds greater than 39 mph. Of those, eight became hurricanes with winds greater than 74 mph, and two became intense hurricanes with winds greater than 111 mph. If you recently found storm damage, or damage you think might be too old to claim, contact us. You might be surprised to learn that you may still have time to file a claim, even if it’s a few years old.
Is hiring a public adjuster worth it? We think so. We know that your home is likely the most expensive purchase you’ll ever make and experiencing property damage can be stressful and overwhelming. That’s why we provide clients with a comprehensive “white glove” experience managing your case from A-Z to make sure your claim process goes as smoothly as possible while recovering the most possible for your damage.
