Going through a house fire is a big deal, no matter how small the fire was. Whether your toaster burst into flames or a gas leak caused an explosion, it is important to know what to do after the flames die down. Safety First, before you go back into your home, make sure the fire…
DetailsMost people have a healthy respect for fire. It is dangerous to people. It is also dangerous to property and possessions. Even a small fire can leave a property disturbed to a shocking degree. One real life example: An old toaster threw sparks onto the blender cover near it, resulting in a small kitchen fire.…
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Since life as we know it is heavily dependent upon water for its very survival, human developments are generally very near some significant source of water. In fact, most of the world’s population is concentrated along coastlines, rivers and lake shores. However, much of the water impacting our lives is essentially invisible because it is…
DetailsInsurance companies have an inherent need to look out for their profitability. This creates conflict of interest because, in practice, this means they sometimes are trying harder to cover their own bottom line than they are to cover your damages. This is where a public adjuster comes in very handy. Let’s look at a case…
DetailsLet’s say you have a cracked tile, broken window or similar seemingly small damage to your house. Maybe you aren’t even sure whether or not to file an insurance claim at all for such minor damage. Or maybe you just think you should file the claim yourself because it seems like it simply isn’t worth…
DetailsFinding out there is mold in your home is a frightening discovery that can be costly too. It could be a health threats to you and your family. There are some things you should about mold damage. Mold Myths Mold does pose a variety of health problems, but there are some myths to be aware…
DetailsPerhaps you have heard a statement like this one from an insurance company: “No, roofing materials that sit on top of decking are not insured for replacement in any Florida insurance policy. You can see for yourself. Read the policy. It is just not there.” If your claim was denied recently for these damages to…
DetailsEvery fall, thousands of “snow birds” return to Florida and other Southern states to spend the winter pleasantly in their warm second home. Some of them come back to an unpleasant surprise: They discover their home was damaged while they were away. They pull out their homeowners policy, fill out the paperwork and file a…
DetailsWhat is a Public Adjuster? A public adjuster is a licensed professional for hire who can deal with the insurance company on your behalf. Legally, they are one of only three job titles who can do so. Attorneys and insurance brokers are the other two, but their training is different and they simply don’t do…
DetailsIt is common knowledge that you need special insurance from the federal government to claim flood damage, so you might assume that other “acts of god,” like lightning strikes, are also not covered by standard property insurance. However, in point of fact, most policies do cover lightning damage. It’s a good thing they do: Somewhat surprisingly,…
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