Thursday, August 10, 2017

Reasons Why Insurance Companies Deny Your Claim For Storm Damage Tampa Florida

By Mary Stewart

If you have experienced storm damage, the first thing you should do is check for downed power lines. If this is the case, then contact the electric company as soon as possible. Make sure that you do not drive over or touch a power line as it may be energized. Power lines that have suffered Storm Damage Tampa Florida can transmit electrical currents through metal fences and trees. Therefore it is necessary to be extremely careful to avoid contact with these.

How do you get started? Is it possible to tell who is going to help you and not scam you or rip you off? Is it possible to completely trust your insurance agent? Who do you contact for expert advice? These questions are hard to answer when you are sitting there vulnerable after a natural disaster of any magnitude. Here is a list of advice to get you started in the long and overwhelming process of repairing spoilage to your home.

Spoilage Checklist- Contact your insurance agent. This is, of course, the first and most important advice anyone can give you. Your insurance agent is your ally. Make sure when you are purchasing insurance in the first place that you research local insurance agents. A good rate is one thing but an insurance company that you can count on in a time of need is something completely different. The cheapest might not always be the best way to go.

Don't start any repairs or cleanup efforts until you have had the spoilage accessed by the professionals. First, you don't want to get hurt, second you don't want to make things worse and third you need to give the adjuster the full scope of spoilage. It is important that you do document in video and film the spoilage from your prospective.

Be aware of doors that are stuck or cracks in the ceiling, as these may be evidence that the foundation has been damaged and the house is shifting. If you are unsure or concerned about the spoilage, contact a professional home inspector for additional advice.

If weather conditions are bad in your area, this could hurt your chance of getting your claim approved. This may seem odd, but independent adjusters have a certain amount of time to complete the claims they receive from the insurance company no matter how bad the weather. As you can see, if the adjuster gets behind in his reports the only way he can get caught up is by denying a few claims to off set the days of bad weather.

If your basement has been affected by a storm, remove items and dry the basement with fans and dehumidifiers. Check the outside for any gutters that are loose or detached and repair them immediately. Washed out soil along the foundation walls should be regraded by adding clean, filled dirt and sloping it away from the house

You should know that if you shift to another state or another area in your state, you could need special coverage for that area. The best advice any homeowner can receive is to find a trustworthy and reliable insurance agent. They will be your best ally if storm damage ever affects your household.

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