In Miami, water damage is a pressing issue. When you file a claim with Alconero and Associates Public Adjusters, it’s essential to know what’s covered:
Covered Damages:
- Burst Pipes: Insurance often covers repairs for burst pipes and the resulting property damage. Learn more about burst pipe damage claims.
- Appliance Issues: If a washing machine or AC leaks, repair costs are typically covered. More on AC leak claims.
- Rain Damage: Damage from heavy rain, like leaky roofs, is usually covered. Read about roof leak claims.
- Unexpected Leaks: Sudden leaks, like from a water heater, are covered. Details on water damage claims.
- Post-Fire Water Damage: Water used to extinguish fires is generally covered.
- Relocation Costs: If severe damage forces a move, many policies cover related costs.
Not Covered:
- Flooding: Standard policies don’t cover floods. You’ll need flood damage insurance.
- Slow Leaks: Gradual leaks, seen as maintenance issues, aren’t covered.
- Mold: Many policies limit or exclude mold damage. More on mold damage claims.
- Neglect: Damage from lack of maintenance isn’t covered.
- Specific Materials: Some policies exclude certain materials.
Protecting Your Miami Home:
- Maintain Appliances/Pipes: Regular checks prevent unexpected leaks.
- Clean Gutters: This prevents water overflow.
- Spot Leaks: Address any leaks immediately.
- Use Water Alarms: These alert you to leaks.
- Know Your Insurance: Understand your policy’s coverage.
- Fix Structural Issues: Address flaws that increase water damage risk.
- Emergency Kit: Keep essentials like a flashlight and water ready.
- Prepare for Storms: Miami’s weather can be harsh. Be ready with storm shutters or sandbags.
Why Choose Alconero and Associates Public Adjusters?
Filing a water damage claim in Florida? Alconero and Associates Public Adjusters are here to help. We understand insurance, negotiate for the best settlement, and work for you, not the insurer.
