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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.

Common Mistakes Business Owners Make When Filing Damage Claims

Common Mistakes Business Owners Make When Filing Damage Claims


A storm, fire, or flood has walloped your business or commercial property. How do you get the claims process started? Avoid claims surprises by calling us so we can notify your insurance company immediately. Once they know what’s going on at your place of business then we can assess the damages and make temporary repairs to mitigate further issues and get you back to work ASAP.

Don’t damage your own claim. Our public adjusters outline common mistakes business owners make when filing commercial property claims.

Property Management Partners: Working Together on Claims

Property Management Partners: Working Together on Claims

As a property manager, you wear many hats in your daily routine. But what happens if a disaster wrecks a property you manage?

If a storm or other catastrophe strikes the apartment, condo, or rental home you oversee, it is crucial to contact a public adjuster as soon as possible. Public adjusters thoroughly inspect your rental properties to ensure that you get the settlement necessary to complete repairs.

At Liberty Insurance Adjusters, our team can help you manage property damage claims on all your rental properties. Here's how:

Florida’s Assignment of Benefits Crisis Leads to NEW Rules for Roofers & Insurance Claims

Florida’s Assignment of Benefits Crisis Leads to NEW Rules for Roofers & Insurance Claims

In Florida, roofers and other repair professionals have been able to be signed on to essentially manage claims for the policyholder often times through what is known as assignment of benefits (AOB). The result? Inflated claims and heightened volumes of lawsuits that have driven up insurance companies’ legal costs thus increasing monthly premiums for homeowners.

New regulations mean that roofing contractors can no longer solicit property damage claims, or risk a $10,000 fine for each violation. Our public adjusters discuss how this impacts roofers and homeowners in Tampa Bay.

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.

Home Insurance & Mold...Is It Covered?

Home Insurance & Mold...Is It Covered?

While mold is thriving in nature, it is something that no one ever wants to find inside their home. Most people think mold damage is covered by homeowner’s insurance, but in many cases, it is not.

And this assumption can be a costly mistake.

6 Common Mistakes Homeowners Make When Filing for Storm Damage

6 Common Mistakes Homeowners Make When Filing for Storm Damage

Natural disasters can strike at any time—and when they do you need to be prepared to mitigate storm damage and file an insurance claim for property repairs.

See 6 common mistakes made when filing for storm damage and how you can avoid having your storm damage claim denied, delayed, or underpaid by your insurance company.

Why Insurers Hire Loss Adjusters

Why Insurers Hire Loss Adjusters

Your policyholder may hire a loss adjuster to help with your property claim, but that doesn't mean that they are on your side like a public adjuster. So what is their role and why do insurers hire claims adjusters…?

 
 

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