homeowners insurance claim

Insurance Claims 101

Insurance Claims 101

If you experience damage to your property, you’ll have to submit a claim to your insurance company. This process can be long and complicated, especially if you go it alone. If you are filing a claim, it’s important to know what to expect as a policyholder!

The public adjusters here at Liberty Adjusters are here to place your claim or walk you through each step of the claim process so you’re prepared. What to do, what not to say, and when to lean on the support of the experts when/if the insurance is giving you the runaround. Or, we can handle the claim from start to finish for you!

Welcome to Insurance Claims 101!

Independent Adjuster Vs. Public Adjuster: What is the Difference?

Independent Adjuster Vs. Public Adjuster: What is the Difference?

Filing an insurance claim can be a tough process, with so many different aspects to analyze, it’s easy to feel overwhelmed. Making a mistake can cost you time and money, and sadly in some cases, end up in a denied or undervalued claim.

When property damage occurs, you may expect to work with your insurance and their independent claim adjuster partners, believing that your monthly premium payments will be enough to have them on your side, but that is not always the case. As a property owner, you have options!

Today, the experts at Liberty Insurance Adjusters will go over some things you should know first and explain the difference between an independent adjuster and a public claims adjuster. If you’ve experienced damage at your home or business, don’t go it alone. If you need help, contact a professional about your claim to get the maximum settlement to make things right

Tenant Damage: Is it Covered by Homeowner's Insurance?

Tenant Damage: Is it Covered by Homeowner's Insurance?

You’re renting your property, and that can be stressful! Aside from all the other duties you are juggling, there’s always the threat of property damage taking your time and money. From typical wear to an angry evictee, damage from a tenant can come in all shapes and sizes.

Our public adjusters go over what damage is and isn’t covered, and give you some tips on how to avoid the damage from occurring in the first place!

I Let My Homeowner's Insurance Lapse. What Happens Next?

I Let My Homeowner's Insurance Lapse. What Happens Next?

A homeowner’s insurance lapse can happen even to the best policyholders. An oversight or failed automatic payments can cause a lapse in your coverage due to nonpayment. Though your coverage should be reinstated once you pay your past-due insurance bill, it isn’t always that simple.

If your homeowner’s insurance policy lapses even for just a day or two, any damages that may occur to your home during that time, due to a fire, storm, or burglary/vandalism could leave you without coverage to pay for the damage.

So, you let your homeowner’s insurance lapse. What happens next? Our public adjusters explain.

How to Avoid Non-Renewal of Your Homeowner's Insurance

How to Avoid Non-Renewal of Your Homeowner's Insurance

Experiencing the ups and downs of non-renewal of your homeowner's insurance policy. Here’s how to handle it.

You pause momentarily when the word “non-renewal” floats off the page in that letter from your homeowner’s insurance carrier. Why is this happening? Did you file too many claims?

Our public adjusters at Liberty Insurance Adjusters weigh in on how to avoid non-renewal and what to do if it happens to your insurance policy.

Does Homeowners Insurance Cover Wind Damage?

Does Homeowners Insurance Cover Wind Damage?

Florida may be the Sunshine State, but we have our fair share of high winds and storms that can cause significant property damage. If your home is damaged due to high wind, your homeowner’s insurance policy offers some protection. Generally, you are covered for wind damage from weather events like tornadoes, hail, rain, lightning, and hurricanes.

Understanding how your policy offers protection against wind damage is crucial to be properly prepared for the unexpected because you will understand your coverage limits and know if you need to add additional coverage for a wider net of protection.

Let’s discuss the important ways in which your homeowner’s policy can protect you when the wind starts to pick up...

Hurricane Season 2021: Preparing for Mold

Hurricane Season 2021: Preparing for Mold

Hurricane season has officially begun and while mold is not usually something that you might think about when preparing for a hurricane, prevention could save you thousands of dollars and heartache down the line if flooding occurs.

Stay safe this hurricane season! Our public claims adjusters discuss how to prevent mold damage and place a claim for your property if needed.

Roof Claim Denied for 'Wear and Tear'. Now What?

Roof Claim Denied for 'Wear and Tear'. Now What?

Was your roof damage claim denied due to “wear and tear?” This is one of the most common reasons that insurers use to deny claims. Normal wear and tear happens as your roof ages and is almost always excluded by the terms of your insurance policy.

That doesn’t mean that you should just accept the denial of your claim and move on. In many cases, the insurer’s decision is baseless or uninformed as the insurer’s adjuster might have failed to consider the facts that point to a covered peril as the culprit of the damage.

So what happens next? Our public loss adjusters explain…

Old House Charm: Cast Iron Pipes and Water Damage Claims

Old House Charm: Cast Iron Pipes and Water Damage Claims

Old homes can have a lot of charm. Unfortunately, cast iron pipes don't tend to contribute to it...

While old houses are full of charm, they also can be fraught with an array of problems, including ungrounded outlets, outdated HVAC systems, old windows, and one of the worst problems: plumbing issues.

The worst part is that a lot of the plumbing issues that your older home may have are silent. You might not notice hidden leaks until your water bill starts to climb, or you start to see visible stains or smell musty odors.

 
 

If you’d like to get the fairest settlement you can to repair your home or business, lean on Liberty Adjusters.