Is my roof leak covered by insurance?
Roof leaks are known to be one of the major causes of water damage in a home. A roof leak usually goes undetected until the resulting water damage is observed inside the dwelling. Water intrusion from a roof leak can cause major damage to a home, costing homeowners thousands in repairs. The aftermath of a residential roof leak water loss can leave homeowners and other property owners with the burden of facing extremely difficult and complex decisions. Issues related to property damage of items such as: ceilings, walls, drywall, flooring, insulation, cabinets, and other interior finishes are just some of the many concerns one should have when dealing with roof leak claims.
Properly identifying and investigation other potential issues such as: repairing or tarping a roof, water extraction, dehumidification for mold prevention, 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. Displacement of one’s home in many cases is the biggest loss to someone dealing with a roof leak damage claim. Navigating and understanding the process of a roof leak claim will be overwhelming, the assistance of an experience and qualified public adjuster can prove to be essential to the policyholder.
Does your policy exclude wind-driven rain?
Every year we are finding that more and more policies are including exclusions to avoid covering water damage as a result of a leaking roof. These policies are now only covering roof leaks in the event that the roof has been first damaged by a covered peril such as wind or hail.
Typical wind-driven rain exclusion
“We will not pay for loss of or damage to property, as described and limited in this section. In addition, we will not pay for any loss that is a consequence of loss or damage as described and limited in this section … The interior of any building or structure, or to personal property in the building or structure, caused by or resulting from rain, snow, sleet, ice, sand or dust, whether driven by wind or not, unless the building or structure first sustains damage from a covered cause of loss to its roof or walls through which the rain, snow, sleet, ice, sand or dust enters.”
Initial documentation of a leaking roof damage claim
The initial documentation of your roof leak water damaged property is imperative in providing the evidence needed to create an initial presentation to your insurance company. 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 moisture, 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 a roof leak water damage insurance claim for a residential property.
Preventing further damage to your residential property
One of the duties under the insurance policy is to “mitigate” or prevent further damage to your property. These conditions may require that certain measures be taken by you such as placing a tarp on the roof or contacting a roofing contractor to repair the roof, removing or extracting the standing water, or contacting a water restoration company. If speaking to a potential emergency mitigation contractor, make sure the scope of work is clearly outlined and defined. Having the advice of Floridian International Adjusters will help you navigate through the issues of emergency repairs v. permanent repairs that may or may not be necessary at the initial stages of a loss. In many states, emergency restoration companies operate on an AOB (Assignment of Benefits Contract). Seeking the advice of an experienced expert such as a public adjuster will help you understand the pros & cons of entering into an AOB or any other contract with a vendor. Hiring a reputable emergency restoration company with qualifications, ability to mobilize with man power and equipment to get your residential property restored as soon as possible should be the objective. Experienced restoration companies will more than likely provide you with an estimated timeline and potential cost for the water damage restoration process.
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.