insurance adjusters

Hurricane and Single Season Deductibles

As public adjusters, we often hear questions about how these deductibles work, especially during hurricane season. In general, a hurricane deductible is a specific amount you must pay out-of-pocket before your insurance coverage kicks in, and it’s typically higher than your standard deductible. The purpose is to help insurers manage the high costs associated with storm damage. Knowing how much you’ll need to cover can help you better prepare for the financial impact of a storm. 

Single-season deductibles are another important aspect of hurricane coverage. In some cases, if multiple hurricanes hit within the same season, you might only need to pay your hurricane deductible once. This can be a huge relief for homeowners in areas prone to frequent storms. However, not all policies include this benefit, so it’s essential to review your insurance plan carefully.  

If you're unsure about your policy or want to make sure you’re prepared, we recommend reaching out to our team for a review. We’ll walk you through your coverage, explain your deductibles, and make sure you’re not caught off guard when a storm hits. 

Understanding Hurricane Deductibles 

A hurricane deductible is separate from your standard homeowner’s insurance deductible. It usually applies to damage specifically caused by hurricanes and is calculated as a percentage of your home’s insured value. For example, if your home is insured for $200,000 and you have a 5% hurricane deductible, you’d need to pay $10,000 out-of-pocket before your insurance covers the rest.  

This higher deductible is in place because hurricane damage can be extensive and costly to repair. It’s important to be aware of this amount so you can plan accordingly and avoid surprises. 

What is a Single-Season Deductible? 

A single-season deductible can be a game-changer for homeowners in hurricane-prone areas like Florida. If your policy includes this provision, you may only need to pay the hurricane deductible once per season, regardless of how many storms occur. This means that if your home is damaged by two or more hurricanes in a single season, you won’t have to pay the deductible again after the first storm. Not all policies offer this, so it’s worth checking your coverage to see if you’re protected in this way. 

Hurricane Damage? Call Liberty Adjusters First! 

After damage, most people decide to file a claim with their insurance companies right away- but there’s a better way. By calling a public adjuster, like us here at Liberty Adjusters, you can ensure your claim gets its maximum settlement payout.  

Insurance companies will keep a diligent record of every mistake, and the system is practically rigged against you with all the hoops to jump through. Our team will manage your claim every step of the way, from filing the claim to negotiating in person with the insurance company during the inspection. 

We know that dealing with insurance can be confusing, so we’re committed to helping you understand every detail. If you have questions about your hurricane or single-season deductible, or if you just want a professional to look over your policy, our team is ready to assist. 

Get in touch with us today to ensure you’re prepared for whatever hurricane season throws your way.

How to Get Insurance to Pay for Water Damage

How to Get Insurance to Pay for Water Damage

In many cases, your insurance will cover the cost of water damage repairs. However, getting them to pay the full amount you deserve isn't always so easy, especially without a licensed public adjuster. In this post, we will outline the steps you need to take to make sure your insurance company pays for your water damage repairs. Let's get started!

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!

Common Holiday Homeowner's Insurance Claims

Common Holiday Homeowner's Insurance Claims

We know the trope all too well, it’s the start of every great holiday movie — something always goes wrong! House fires, burglaries, and other catastrophes are at their peak during the holiday season, and it is important to take steps to mitigate them before they occur.

Here are some of the most common holiday homeowner’s insurance claims we see all too often this season, along with ways you can prevent them from ruining the holidays!

Lightning Damage and Homeowners Insurance Claims

Lightning Damage and Homeowners Insurance Claims

Lightning strikes often here in Florida; Tampa is the lightning capital of the world after all! But what happens when lightning strikes your home and does damage? Will your homeowner’s insurance cover it?

Our public adjusters discuss when your homeowner’s insurance will (and won’t) cover lightning damage, and what you can do to keep your home protected.