A Comprehensive Guide to Property Insurance
Claims
The first step to getting you paid the maximum amount for your claim is to call us at (844) LION-100 or (844) 546-6100. We will personally handle your claim in any Florida county.
Our adjusters are experts in handling water damage issues regardless of the cause.
We use sophisticated infrared technology in determining the exact source of the leak. Knowing the source can be valuable claim evidence for your insurance. After this process, we restore your property from damages with the help of licensed mitigation experts.
You can make an insurance claim for the failure of your cast-iron plumbing system. Cast-iron corrosions are common and pose plenty of health risks. Many of these insurance companies are making it a difficult task for policyholders to receive compensation for failed cast-iron pipes. Save yourself from a stressful situation through our service.
A small fire can cause a big headache. You’ll face inspectors interrogating you about your property while needing to implement safety protocols in your home. Remove the stress with our service. Our experts will inspect your property and recommend a plan to repair the damages. We also determine the scope of loss and analyze your policy so you’d know how to claim the maximum possible assessment.
Sewage and other pollutants easily contaminate floodwater regardless of source. Extensive sanitation is necessary before all the drying process and installation of dehumidifiers. We can assist you in handling the damages professionally while getting due compensation from your insurance company.
If you suffered damages from strong winds, the adjuster we assign to you can document your loss, prepare a detailed claim estimate, and present your claim to your insurance carrier to compensate for your immediate loss. Take note that you can still claim your money from damages that occurred years ago.
Property owners in areas like Florida face serious risk in the occurrence of a hurricane.
Our team is here to help you be informed about your insurer’s flood policy and claims to avoid being in a stressful situation when it happens. We help you be prepared and identify the covered damages in your property at such an event.
These substances can trigger health problems. If you are experiencing an unusual respiratory issue, it may be due to growing black mold. It is important to know that in these cases, your insurer should cover for the fees in treating the house for molds. When you need to vacate your home while the cleaning process is ongoing, you have the right to a “loss of use.”
Damage for these cases may be brought about by unpreventable events as well as wear and tear. Given the unpredictable nature of these unfortunate incidents, it is important for you to ensure that you are covered against roof damage.
Most insurance companies have limiting requirements for insurance claims on roof damage. This is why many people may not fathom the need for such a policy and gamble on the occurrence of perils that would lead to the destruction of their property’s roof.
Beginning signs of sinkhole damage show through cracks in floors, walls, stairs, and building foundation. Filing a claim is possible if the injury is due to a sinkhole. We will help you handle insurance companies that refuse to pay and cite that the damage is caused by something other than a sinkhole to avoid paying or recommending a repair.
We make sure that your insurance carrier pays for the total cost of broken, damaged, or stolen items from a home invasion, vandalism, or burglary. When we meet with you, we’ll ask for a list of missing or damaged articles. Our team will complete an inspection and prepare a comprehensive estimate of the damage.
Has your business experienced a sudden loss of business? From natural to biological disasters. If so please call us
Water damage claims are the second most frequently filed insurance claims in Florida, following wind and hail damage. It is imperative that you have an expert adjuster assist you with identifying where exactly the water source is that is causing the damage, which should be covered under your policy.
We use sophisticated infrared technology and other devices in determining the exact source of the leak. Knowing the source will be valuable claim evidence for your insurance. After this process, we restore assist you with mitigating your property from damages with the help of other licensed specialists.
Cast Iron pipes are known as the hidden time bomb in your plumbing system. If your property was built before the 1975, the piping system underneath your propery may be corroded. These systems are in the process of failure, which can result in costly damage on the inside of your home and to the structures and land surrounding them.
We will assist you in making an insurance claim for the failure of your cast-iron plumbing system. Cast-iron corrosions are common and pose plenty of health risks. Many insurance companies are making it a difficult task for policyholders to receive coverage for failed cast-iron pipes by including limiting language in their insurance policies.
A small fire can cause a big headache. With some or all of your belongings gone, the last thing you want to do is to be interrogated and confused by your insurance company.
You’ll face fire inspectors questioning you about your property, while still in shock. Let our claims experts take some stress off of you. We will inspect your property, help you document damage and recommend a plan to repair the damages. We also determine the scope of loss and analyze your policy so you know how to claim what is rightfully owned to you under your policy.
An external flood should not be confused with an internal pipe burst. A flood is an overflow of water from a water source to dry land. Your insurance policy treats both incidents differently. Flood damage is not typically covered in most homeowners insurance policies, pipe bursts usually are.
Sewage and other pollutants easily contaminate floodwater. Extensive sanitation is necessary before all the drying process and installation of dehumidifiers. We can assist you in handling the damages professionally while assisting you in returning to your pre-loss condition.
If you suffered damage from strong winds, which has caused damage to your property, such as roof leaks or any other structual damage, we can help you document your loss, prepare a detailed claim estimate, and present your claim to your insurance carrier to compensate for your immediate loss. Take note that you can still claim damage that occurred up to 5 years ago, depending on the circumstances.
Property owners in areas like Florida face serious risk in the occurrence of a hurricane.
Our team is here to help you be informed about your insurer’s flood policy and claims to avoid being in a stressful situation when it happens. We help you be prepared and identify the covered damages in your property at such an event.
According to the EPA, Mold can go undetected for years until the problem is no longer manageable for the property owner. For example, a property owner who is not aware of a leaking pipe behind a wall, under a sink or in an AC closet. The continuous drip in a dark, enclosed space is an ideal breeding ground for mold.
These substances can trigger serious health problems. If you are experiencing an unusual respiratory issue while in a specific area, it may be due to growing mold. It is important to know that in these cases, your insurer should cover for the cost in treating your property for mold. When you need to vacate your home while the cleaning process is ongoing, you have the right to a “loss of use." meaning that your insurance company must pay or reimburse you for living expenses while the mold issue is being remediated.
Roof leaks can go on for months or years before being fully discovered. Your roof is one of the most important parts of your home. Severe winds from hurricanes could lift or remove your roof shingles or crack tiles, allowing rain to enter causing interior leaks and damage. Any damage to your roof will compromise the structure and integrity of your home which can create a dangerous and uninhabitable dwelling. Even a partial fire could result in roof damage.
Keep in mind that preventing further roof damage and documenting the damage is vital to assisting in getting your claim covered. There are important duties after your home has been damaged that the expert adjusters at HLA can assist you with.
In some parts of Florida, groundwater is being pumped out and it is destabilizing the limestone bedrock and contributing to the growing number of sinkholes in the state. This amongst other reasons are contributing factors to the sinkhole problem.
The beginning signs of sinkhole damage show through cracks in floors, walls, stairs, and building foundation. We will help you handle insurance companies that refuse to pay and cite that the damage is caused by damage due to a sinkhole.
We make sure that your insurance carrier pays for the total cost of broken, damaged, or stolen items from a home invasion, vandalism, or burglary. When we meet with you, we’ll ask for a list of missing or damaged articles. Our team will complete an inspection and prepare a comprehensive estimate of the damage.
Has your business experienced a sudden loss of business? Due to the COVID-19 aka Coronavirus, the CDC, recommended that all non-essential businesses to be closed and others were put under tight restrictions.
Take a look at your business insurance policy. If you feel that this is pandemic is not an exclusion under your policy, contact us and we will conduct an in depth review of your coverage options.
Denied Claims
Facing the potential loss concerning your property due to the denial of claim may cause bigger stress than the disaster that happened. The occurrence of the disaster may not be your fault, but your insurance claim may be denied for multiple reasons.
Causes for Claim Denial
Avoid having your claim denied by knowing the reasons that lead to this decision. There are instances in which companies deny claims without reasonable explanations or that are contrary to their own policy language.
Lack of Coverage
It is important that you review all of your coverage with your insurance agent or public adjuster carefully prior to suffering a loss. Many property owners discover the coverage they purchased after a loss has already occurred. In this instance, it may be too late. Only the insurance policy and applicable endorsements that existed on the date of loss will apply to the loss.
It is important that you carefully review and understand your coverage prior to a loss occurring to avoid the potential denial of your claim based on the lack of coverage or your property being under the proper insurance limits as well as many other exclusions and endorsements that exist at the time of the loss.
Failure to Observe Policy Coverage and Post loss obligations
When a loss happens, it is important to note that you are obligated under your policy to comply with post loss obligations. One of the major obligations that you have after a loss occurs is that you have a duty to mitigate. A duty to mitigate means that once you discover that there is damage happening to your property, you must take reasonable measures to not allow the damage to get worse. If you are safely and reasonably able to stop what is causing damage, you should make an effort to do so.
Another important post loss obligation is that you must cooperate with your insurance company in their investigation of your claim. If your insurance company asks for documents related to the loss, requests a recorded statement, requests an examination under oath or asks you to submit a proof of loss, you must timely comply with their requests or our failure to properly do so can serve as their reason for denying your claim.
The Occurrence of Property Damage Outside of Your Coverage Period
Your Insurance company will not cover you for a loss which occoured or existed prior to you owning the property. During the insurance company's investigation of your claim, they may send engineers and other experts to determine how old the damage is and what caused it.
In some instances, your insurance company has conducted an underwriting inspection at the begining of you becoming one of their insurds and they have documented potential future claims and the condition of the home at the time they inspected it. Therefore, they have documented evidence of the condition of the home around the time you became insured with them and will compare what you are claiming to what they have in their records. You will not be covered for damage that existed prior to you obtaining the policy.
Lack of Sufficient Evidence
It imperative that you document the loss as much as possible. You can take pictures or video which will show the extent of the damage. You can also have witnesses, who can corroborate the events as they transpired. Be sure to keep records of what you are claiming and make a detailed inventory. Producing receipts and credit card transaction logs can assist you in proving that you are the owner of what is being claimed. Lack of documents, pictures and evidence can lead to denial.
What to Do Next After an Insurance Claim Denial
Having your claim denied is the second most devastating thing to go through after the stress of the loss your experienced. We are here to help you. The best course of action is to have a professional public adjuster by your side. With us, you do not have to go through the complex process of understanding the insurance contract alone and we will assist you in recovering the rightful amount that you are entitled to.