Insurance Claim Process, Tampa & Clearwater, Florida
 To many Clearwater, Tampa and St. Petersburg residents and business owners the insurance claim process can be very confusing. We handle and process hundreds of insurance claims for water and mold damage customers each and every month. We are very familiar with the insurance claim process and make this process as seamless as possible for all of our water and mold damage customers. Florida insurance companies are businesses just like any other. Their business is to collect premiums and then pay out claims when damages occur. You pay for homeowners insurance coverage each and every month, don’t be scared to make a claim if you experience property damage. The amount you pay every month is to cover your Tampa, Clearwater or St. Petersburg property for property damage such as water and mold issues.
Homeowners Insurance Vs. Flood Insurance
 Most Tampa, Clearwater and St. Petersburg property owners that experience property damage as a result of water tend to think that this damage is considered flood damage. The definition of flood damage on most homeowners’ insurance policies is rising water from the ocean, lakes, rivers or streams. If you experience property damage from rain, a sewage backup, a tub or toilet overflow or a broken plumbing pipe, that property damage is considered water damage. Flood insurance and homeowners insurance are two different things. If you read your flood damage policy and your homeowners’ policy they clearly outline the differences. Water damage is covered under Florida homeowners’ insurance policies. If you do not have flood insurance and experience water damage resulting in property damage from a broken water pipe, etc. the property damage is covered under your homeowners’ insurance policy. Typically the verbiage used on a Tampa, St. Petersburg or Clearwater homeowner’s insurance policy will read “water damage coverage for discharge or overflow of water or steam”. If you have that clause in your homeowners’ insurance policy than you are covered for water damage in the event you experience a discharge or overflow of water or steam. If you are unsure if you are covered, give us a call. We will dispatch an experienced insurance claim expert to read your Florida insurance policy with your, or give your homeowners insurance company a call for you on your behalf. Tampa, St. Petersburg and Clearwater area water damage insurance claims are the most common type of property damage insurance claims. Let us help make the process as simple as possible for you. If you have any questions in regards to the difference between homeowners insurance property damage and flood insurance property damage give us a call day or night and we will be happy to answer any questions you may have.
How To File a Property Damage Insurance Claim
 In the event of water or sewage damage to your Clearwater, St. Petersburg or Tampa area home or business, give us a call immediately to begin the water damage restoration process. Once on site we will review your insurance policy with you to ensure you have adequate coverage. We will call your insurance company on your behalf and file the insurance claim for you. The details of your homeowners insurance coverage is listed in your insurance policy on the declarations page. Once an insurance claim has been filed, you will receive a claim number. This claim number is a specific number assigned to your property damage. Most Tampa, Clearwater and St. Petersburg insurance companies will then assign an insurance adjuster to your claim. The insurance adjuster will visit your property to perform a visual inspection of the property damage. He / she will then write an estimate using a standard insurance company software program called Xactimate. We utilize the same software application for writing insurance claim estimates. Once you are aware of the time and date that the insurance adjuster will be visiting your Tampa, Clearwater or St. Petersburg home or business you will call our office with that information. We will then schedule one of our insurance claim estimators to meet your insurance adjuster on site at your home or business. This insurance claim process allows the claim to run much smoother from start to finish. Our estimator and your insurance adjuster will come to terms on the dollar amount needed to repair the property damage and put your Pinellas or Hillsborough county property back to like new condition. After the terms of the claim have been negotiated we will go into a separate contract with you to perform the necessary reconstruction services. You then get to go “shopping”! Picking out paint colors, flooring, cabinetry,etc. is the most enjoyable part of repairing property damage. After shopping, sit back relax and watch our team of experts make your home or business more beautiful than it was prior to the property damage your Tampa, Clearwater or St. Petersburg home or business.
If you have any questions in regards to the insurance claim process, property damage, or how to file an insurance claim for property damage, give us a call any time. We are available 24 hours per day and 7 days per week to answer any and all of your questions regarding the insurance claim process.
1-866-606-5325 |
