About Sudden and Accidental Water Damage
Lioness Claims in Crystal River, Florida, is well versed in what to do in case of a water loss.
Common Reasons for Water Damage in Florida
Many insureds in Florida may experience the following common reasons for water damage:
- Faulty Appliances, from hot water heaters to refrigerators
- Plumbing Issues
- HVAC (Air Conditioning) Problems
- Sewer Clogs/Backups
- Clogged Gutters
- Weather-related damage such as flooding, or hailstorm damage that allows water to enter; windstorms that damage roofs and allow water to enter
Water losses are the most common type of loss experienced by insureds.
The Unpredictability of Water Disasters
A water disaster can strike anytime. Generally, the occurrence is sudden and unexpected. Damages are often difficult to detect depending on the specific nature of the loss.
Understanding Insurance Claims for Water Damage
For insureds that have had no prior experience in handling an insurance claim, the policy language can be very confusing. To receive fair compensation for your loss, it is beneficial to have an experienced claims advocate on your behalf, such as Lioness Claims. Adjusting losses can be highly technical and can impact the way a settlement is determined.
Immediate Steps After Suffering Water Damage
If you have suffered a water loss, the single most important thing you need to do is begin proper emergency mitigation services. Removing the water, wet materials, and drying out your home should begin immediately. You should also consider employing an experienced public adjuster to help guide you through the process.
The Role of Insurance Company Adjusters
Many insurance company adjusters are interested in saving money for the insurer and neglect to agree to remove such items as baseboards and other finishes. This can prevent air from circulating throughout the building. Items such as wet carpet need to be removed completely, or they may harbor conditions that could lead to further damage or mold conditions.
The Importance of Choosing Your Own Water Mitigation Company
As the insured, you should consider exercising your option of bringing in your own water mitigation company. In Florida, many carriers have a preferred vendor program. However, the insurer’s preferred vendor program is not always the best choice since they may be operating under cost constraints, limiting their ability to do the best job. One very important thing is to NOT sign any work authorization form without the approval of the insurance company or the adjuster. At Lioness Claims, we can help guide you through that process.
Proper Assessment and Tools for Water Damage
Once the mitigation company has been hired, they will determine the extent of the damages involved using devices such as moisture meter reading equipment, infrared cameras, and sometimes hygrometers to determine the exact location of the water. If the insurance company adjuster does not allow or follow this protocol, the outcome of your settlement may be greatly impacted, and the complete restoration and drying out process of your property may be jeopardized.
Preventing Further Damage: The Need for Disinfectants
In addition, proper disinfectant products need to be applied to prevent bacteria, fungi, or mildew from causing further damage. If this process is not adhered to, the insurer may attempt to examine the claim according to the mold provisions and limitations of the policy, which can vary from state to state. The IICRC (Institute of Inspection, Cleaning, and Restoration) has standard protocols for drying and cleaning water-damaged buildings.
The Importance of Timely Reporting in Water Damage Claims
Because water damage is one of the most frequent types of insurance losses, most insurance companies will try to shift the cost to the policyholder, even if the policy covers the peril of water, stating that if the water loss is reported past a 14-day period, it will not be covered. This is particularly devastating to homeowners in Florida who are “snowbirds” and are away part of the year or owners away from their property on vacation or away for business.
Contact Lioness Claims for Expert Guidance on Water Damage Claims
These are some of the many reasons it is beneficial to have an experienced public adjuster advocating on your behalf. Contact Lioness Claims if you have questions about a water loss you have suffered.
Service Areas Covered by Lioness Claims
Lioness Claims covers Ocala, Florida, Citrus County, Florida, Tampa, Florida, as well as South Florida.
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