Managing a Damaged Roof During the Insurance Claims Process
In Florida and every other state, a damaged roof from natural disasters like wind, hail, rain, hurricane, tornado, and a major rainstorm, causes headaches for building owners.
A damaged roof can cover an outbuilding in a condo association common area or a homeowner’s roof. It can be the top of a high-rise building of office space. Regardless of where the damaged roof is, the insurance claims process is the same:
- Damages are spotted and reported to the insurance company
- A claims adjuster for the insurance company views the damages
- The building owner files a claim to repair the damaged roof.
- But, then, the insurance company may begin to act abnormally and not negotiate a settlement in good time or with the proper coverage.
That’s where Guard Your Claim steps in.
How Guard Your Claim Helps
When a Florida policyholder, whether a homeowner or business owner, suffers damage from a natural disaster, they don’t have to feel powerless if the insurance company refuses to payout.
Guard Your Claim is there to help. Guard Your Claim is a Coral Gables claims adjuster organization run by a team of skilled, experienced, and aggressive professionals who will negotiate a fair settlement to ensure that the homeowner’s insurance reimbursement will match their policy, providing all of the following:
- Representation for the policyholder
- Knowledge of the insurance policy
- Expertise in understanding claims and the rights of the policyholder
- Management of the claim from start to finish on behalf of the policyholder
Predatory Insurance Companies
Regretfully, predatory insurance companies are skilled at avoiding reimbursement for policyholders. Many Florida policyholders are unaware of this until they file their claims. Such companies may take advantage of any or all of these common predatory practices:
- Cultivating relationships by offering free seminars about important insurance topics; they may serve food or offer small prizes to collect contact information leading to a high-pressure home visit from an “advisor” who may be an actor rather than an actual agent.
- Employing a team of attorneys who use their knowledge of the law to create loopholes and exclusions in the detailed contracts.
- Omitting information about various discounts a client is qualified to claim.
- Neglecting to provide suggestions to make a property more disaster-resistant.
- Starting clients with a low premium that unexpectedly jumps the following year.
- Overcharging premiums higher than approved rates.
- Delaying or refusing a thorough investigation, deliberately losing or skewing evidence in their own favor.
- Lowballing settlements, providing less than clients might realistically claim.
- Denying claims without supporting data to justify the refusal.
Guard Your Claim does not sell insurance. It represents policyholders when they need assistance in negotiating with their insurance company in a variety of circumstances. If you find that you’ve filed a claim and conversations are not going well between you and your insurance company, then contact Guard Your Claim to assist you. The very first step is to have a conversation with us.