Water damage is frustrating and can cause various secondary damages to any property, like, electrical, structural, and others. As insurance claims adjusters, also known as public adjusters, we can help you file a water damage claim against your insurance company and get the funds you require to get back on your feet and start the restoration process.
How to File a Water Damage Insurance Claim
1. Protect Yourself
If your property has recently suffered from water damage, first ensure that your property is safe for you and your family to be in.
2. Call a Public Adjuster in Fort Myers
After ensuring your safety, contact a local public adjuster in Fort Myers who specializes in water damage insurance claims. Explain your case to the adjuster, and they’ll suggest what kind of evidence you should get before you start the cleaning process. Before signing any paperwork with the public adjuster, an adjuster will discuss their fees, which aren’t typically due until you get a settlement.
3. Public Adjuster Inspection and Evidence collection
After agreeing to the terms, a public adjuster or/and his team will visit your property and collect potential evidence that should help to sustain your claim against the insurance company. A public adjuster who specializes in water damage claims knows what to look for.
4. Public Adjuster Case Submission
After collecting enough information for your case to succeed, the public adjuster will present their report and your case to the insurance company.
5. Insurance Company Settlement
The insurance company will decide on a final settlement for your loss based on the public adjuster’s case. If a claim is denied or insufficient, a public adjuster can dispute the settlement.
Denied Water Damage Insurance Claims
It’s very common for homeowners to submit insurance claims by themselves and get a denied claim. A public adjuster can help dispute denied claims with insurance companies and build a stronger case to prove good faith and real facts to the insurance company. Typically, public adjusters work directly with lawyers getting them involved in insurance claim cases.
Water Damage Insurance Claim Requirements
Typically, the more detailed information you provide to the insurance company, the better. Here’s what you need to submit an insurance claim.
- Active insurance policy.
- Enough evidence to sustain a case.
- Detailed report.
- Complete insurance paperwork.
Water Damage Public Adjuster Fees
A public adjuster specializing in water damage typically charges a small percentage of the recovered settlement. If you already had a insufficient settlement and decided to contact a public adjuster, usually, the public adjuster will only get paid if he gets you a better settlement than the one you initially got.