Maximize Your
Residential Insurance
Claim Settlements
in Coral SpringS
Residents have been flocking to Coral Springs for years—and for good reason. The beautiful weather and laid back lifestyle are exactly what many people are looking for in life. Making your home in Coral Springs might sound like a dream come true, but unexpected damage to that home can be a nightmare. If you are dealing with your insurance company over a residential claim, it is important to understand that you don’t have to face them alone. The insurance company is out for profit, even if it means treating you unfairly. A public residential insurance claims adjuster could help you protect yourself and get the compensation you deserve.
A public adjuster doesn’t work for the insurance company—they work for you. They can use their experience with residential claims to help you understand the extent of your damage. Getting a clear picture of the value of your claim is an important first step in the process. Assistance from your public claims adjuster does not end there. At On Target Claims, we are prepared to guide you through every step of the residential claims process. This includes negotiating with the insurance company so that you don’t have to.
Damage to your home can cause a trickle-down effect on every the lives of everyone that lives there. Dealing with the damage to your property is frustrating enough, but you will also need to secure temporary lodgings and sort through the damage to your personal property. On Target Claims can focus on the tedious aspects of your claim and let you focus on what is important.
We are ready to help hold your insurance company accountable. We understand the process, and we are ready to ensure they act in good faith when dealing with your case. If you are ready to get started, reach out to On Target Claims to for your free claim review.
Coral Springs Home Damage Insurance Claims
The state of Florida does not require homeowners to buy insurance. However, most mortgage lenders require it, and it makes smart financial sense. Unless you have a comfortable bank account that can rebuild your house from the ground up without outside help, you need insurance, whether the law says so or not.
When you file a home insurance claim, your insurance company will want a lot of information. They will typically ask for pictures, videos, and other documentation of the damages to assist in their review. This documentation can also help you if they try to deny your claim or pay less than you deserve. You should also review your policy for any exclusions or limitations to know what is and isn’t covered.
After an incident or loss, you should:
- Contact any emergency services needed.
- Notify the insurance company immediately (or as soon as safely possible).
- Make necessary temporary repairs to prevent further damage and protect your property.
- Document all expenses and repairs.
- Document all damaged property in writing and with photos, receipts, and bills where possible.
- Provide other records and documents as requested (police reports, repair estimates, etc.)
- Submit sworn proof under oath to confirm the loss.
If you fail to follow these steps or miss any other important elements in a property insurance claim, you could risk a denial of coverage, either in part or full. You should also reach out to a public insurance adjuster to assist you with the process, talk to the insurance company on your behalf, and ensure you get the maximum amount you are owed for your claim.
Your insurance company also has obligations to uphold. In Florida, this is known as the Homeowner Claims Bill of Rights.
The Florida Homeowner Claims Bill of Rights
Florida law requires insurance companies to be prompt and responsible in handling claims. To uphold this requirement, the state created the Homeowner Claims Bill of Rights, which outlines all the rights of a policyholder in Florida.
Under this law, policyholders like you are entitled to:
- Acknowledgment of your claim from the insurance company within seven days
- A detailed estimate of the damage amount within seven days of the adjuster’s visit and report.
- Full payment, partial payment, or claim denial notice within 60 days
- Interest on any settlement not paid within the 60-day allotment
- Free mediation from the Division of Consumer Services for disputed claim resolution
- A neutral evaluation of sinkhole damage by the Division of Consumer Services
Of course, with rights come responsibilities. In the HCBOR, there are also guidelines for policyholders:
- File claims directly with the insurer.
- Contact the insurer before entering into any contracts for repairs or replacement.
- Make and document any emergency repairs.
- Keep damaged property until advised to throw it out.
- Keep all receipts, and take photographs and videos where you can.
- Carefully read all contracts that require out-of-pocket payments or charge fees based on a percentage of your settlement.
- Confirm that you choose a licensed contractor for repairs/replacement.
- Require your contractors to show proof of insurance before starting work.
- If required to leave your home, turn off gas, water, and electricity, and take other precautions to secure the property.
Unfortunately, sometimes, even when you follow all of these steps and guidelines, your claim is still underpaid or outright denied. Insurance companies always seem to have their reasons, but your knowledge gives you the power to fight back. You’ll be unstoppable when you combine that with a partnership with On Target Claims.
Other Tips for Success with Residential Insurance Claims in Coral Springs
When you’re dealing with an insurance claim, it can be hard to focus on the things that need your attention. There’s a lot going on and you are probably dealing with something that you’ve never dealt with before, so it’s all new. That can add to the confusion. Fortunately, you’re in the right place to help yourself – education is the power that can help you win against the insurance companies every single time. With that in mind, here are a few more tips for success when it comes to residential insurance claims.
- Know your coverage and review it regularly. Be sure to ask if you need additional windstorm coverage since you’re so close to the coast, or if you have exclusions or limits related to hurricanes and wind damage that you need to know about.
- Don’t be afraid of the insurance company. They’re going to be firm and matter-of-fact about everything. You might get a little compassion, but it won’t be much. Don’t let this scare you into taking a settlement just to “get it over with” when you deserve more.
- When you hire a public insurance adjuster, check their credentials and references to ensure they’re right for the job. At On Target Claims, we’ve got years of expertise and tons of recommendations to help you see why we’re the best choice for your claim support needs.
