Has your A/C caused water damage in your home?
Water damage originating from an ac leak or other HVAC systems is a far too common occurrence for homeowners. In southern regions of the US, 67% of homes have their air conditioning running all summer long. Air conditioner leaks can arise from many sources such as: cracked or rusted drain pans, broken condensation pumps, disconnected drain lines, frozen evaporator coils and in most cases clogged drain line. Identifying the source or cause of the ac leak is not always simple and can mean that contacting an A/C technician is the next step to take.
Unfortunately, water damage arising from an ac leak may not only stay contained to the boundaries of where the air handler is located. Many adjacent areas may become affected. We find that water travels in the path of least resistance, as a result water leaks will channel and travel into: dining rooms, living rooms, closets, bedrooms, hallways and even bathrooms that may be “back to back” sharing the same wall.
Identifying & investigating potential issues
The effects of a residential air conditioning water loss can leave homeowners and other property owners with the burden of facing extremely difficult and complex decisions. Issues related to property damage to materials such as: baseboards, ceilings, walls & drywall, flooring, insulation, and other interior finishes are just some of the many concerns one should have when dealing with air conditioner leak insurance claims.
Properly identifying and investigation other potential issues such as ac leak detection, replacement of HVAC components & systems, water extraction, dehumidification, structural drying and restoration & repairs may create larger obstacles to the simple apparent cosmetic damage to finishes that an insurance company’s adjuster may just consider. Property owners are also faced with the delicate and emotional toll that damage to personal property such as cloths, furniture, electronics, and items of sentimental value can take on one whose house just got heavily water damaged.
Initial documentation of your A/C leak damage claim
The initial documentation of your A/C water damaged property is imperative in providing the evidence needed to create an initial presentation to your insurance company. Contacting an A/C tech or other qualified contractor to diagnose, document and provide you with a written opinion is imperative. Taking photos and videos with your smartphone or any other device will help solidify your claim and show important documentation of damaged property that may not be obtainable at a later time. Contacting an insurance claim professional such as a public adjuster is beneficial in the documentation of damaged property at the early stages of an insurance claim.
We find that homeowners and other policyholders at times fail to understand and identify the nature and extent of their damage. Our adjusters have the experience and trained eye that allows us to immediately understand the scope of repairs with clarity. Floridian International Adjusters will advise that the property be tested for levels of category water and possible mold growth that may be present yet unseen to the naked eye. It is imperative that such issues be immediately addressed and identified at the early stages of presenting an A/C leak water damage insurance claim for a residential property.
My A/C caused mold - Does my insurance cover mold?
In many states mold coverage can be purchased as an endorsement, however, we have found policies in other states that include mold exclusions in their insurance policies. Mold coverage is typically provided with limitations of coverage within or in addition to dwelling coverage. For example, a mold limit of $10,000 or $50,000. Some policies also have mold aggregate limits. Presenting a mold claim to an insurance carrier requires careful analysis and interpretation of the insurance policy. A clear understanding of the cause of the mold growth should also be determined.
Our public adjusters service the following areas
Floridian International Adjusters continues to expand into several regions of the US and abroad. Currently, our licensed adjusters can assist property owners with damage in the following locations:
|South Carolina||North Carolina|
Property loss consultants working for you!
Founded in a region known for it’s high risk of natural disasters such as tropical storms, hurricanes, floods, fires and other catastrophes. Floridian International Adjusters has become a known advocate for policyholders who have incurred the consequence of property damage to their homes and businesses. Our licensed public adjusters have represented and settled thousands of property insurance claims on behalf of property owners. FIA’s trained staff and adjusters come from many diverse backgrounds such as customer relations, architecture, emergency restoration, marketing, business administration and even from inside the insurance carrier side of the property insurance industry. The combination of these various disciplines gives the firm a competitive edge in excelling the practice of public insurance adjusting, property loss consulting and loss appraisal.
Floridian International Adjusters core principles center on the needs of our clients. Our careful representation and insurance claim management strategies provide your property loss claim with an opportunity to maximize the benefits of your insurance policy coverage in an efficient and pro-active manner. Understanding the nature of identifying damage and properly appraising the value of your claim is our specialty.