Personal property claims
Preparing an itemized list of your personal property damage can become one of the major agonies when dealing with a property damage insurance claim. Many homeowners are left perplexed or overwhelmed with the amount of time and work it can take to prepare a proper personal property damage inventory list. After a major event such as a fire, hurricane, theft or mold infestation, homeowners are faced with the burden to prioritize mitigating, repairing & restoring the building structure. Personal property damages can fall secondary and short of a successful recovery. If the insurance policy has coverage for personal property or contents, it will typically be addressed under a different coverage subject to different limits.
Preparing a well itemized contents lists involves careful investigation of items such as: make, age, model number, serial number, place of purchase, etc. We find that in many cases homeowners are faced with the dilemma of not knowing whether to place specific items on their contents list verses claiming the items under their dwelling coverage. A simple rule of thumb is to ask yourself if the item is attached to the structure or not attached. For example, are window blinds covered under dwelling coverage or contents coverage?
Types of claims involving a personal property loss
- Fire & Smoke
- Water Damage
- Hurricane Damage
- Mold Infestation
- Theft & Vandalism
FIA’s team of adjusters, staff and consultants are experienced and trained in the careful and detailed preparation of your personal property insurance claim. Our personal property claim packets include each item’s quantity, detailed description, make, model, serial number, place of purchase, age, and cost to clean, repair or replace.
Cleaning & repairing vs. replacement
If coverage is afforded, insurance companies will typically pay for the cleaning and repairing of the damage items. In many cases cleaning and repairing is not an option homeowners that are in need of being brought back to “pre-loss” conditions. Many times, we find that items such as electronics cannot be successfully cleaned due to issues of corrosion and malfunction to their components. Smoke, water, and mold can leave items permanently damaged. The proper testing and investigation of each and every item is imperative on whether it can be restored or needs replacement.
Our adjusters will work to communicate and present all repair vs. replace issues to your insurance company, ensuring that your contents claim has the best chance at a maximum recovery under the limits of insurance. Many homeowners are surprised to find that their insurance policy may not fully pay the total value or replacement cost of a specific item. Preparing an inventory claim also requires careful review of the insurance policy and coverage.
Tips on personal property claims
- Immediately contact your local police department and obtain an incident report
- Locate all related insurance policies (Property, Umbrella, Artwork & Antiques)
- Take initial photos and create a list of damaged property (Interior & Exterior of building)
- Immediately take steps to prevent further damage
- Locate any documentation supporting proof of ownership of items (photos, receipts)
- Contact Floridian International Adjusters for a FREE CONSULTATION!
- Provide prompt notice of loss to your insurance company
- Develop a plan and claim management strategy with your public adjuster
Examples of personal items with limitations
- Silverware, trays, trophies, & tea sets
- Jewelry & timepieces
- Firearms & related equipment
- Electronic Apparatus such as tapes, players, or discs
- Items within a motorized vehicle when stolen
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.