The Most Common Property Insurance Claims in South Florida

Insurance policyholders must protect themselves against all potential hazards that may cause damage to their assets. Unfortunately, disasters and accidents happen unexpectedly. Natural disasters like storms, floods, and hurricanes are just a few examples of the many types of hazards that can damage your property. Whether you’re a homeowner or a commercial property owner in South Florida, it’s essential to understand the common types of property insurance claims that you may need to file. In this blog post, we’ll go over the most common property insurance claims in South Florida.

Water Damage

Water damage is the most common type of property insurance claim that property owners file in South Florida. Hurricanes or floods usually cause this type of damage, but it can result from leaks, burst pipes, or appliance malfunctions, too. Water damage is a severe problem that may lead to mold growth, which may cause health issues. A qualified public insurance claims adjuster can help you ascertain the extent of the damage and help you file a claim quickly.

Wind Damage

Wind damage is another common property insurance claim that policyholders in South Florida file. Hurricanes, tropical storms, and strong winds can rip off roofs and damage windows. Sometimes, strong gusts may uproot trees in your yard, creating significant damage to your property. The public insurance claims adjuster can help you determine if your damages can be covered, giving you professional advice on the best way to go about your claim.

Lightning Damage

South Florida is known for its frequent lightning strikes, usually during the storm season from May to October. A lightning strike can damage your electrical system, including your air conditioning, appliances, and electronics. Lightning can also start fires that may damage the structure of your property. If you experience lightning damage, a public insurance claims adjuster in South Florida can help you file and negotiate your insurance claim.

Fire Damage

Also, fire damage cases rank high on the list of common property insurance claims in South Florida. Fires can cause significant damage to the structure of your property, damaging your furniture, appliances, and possessions. File a claim with a reputable public insurance claims adjuster if your property experiences fire damage. A qualified claims adjuster will visit your property and document the losses, providing an estimate of the value of your claim.

Hurricane Damage

Hurricane damage is probably the most severe possible type of damage your property can incur. Hurricanes hitting the South Florida area can bring forth powerful winds and heavy rain, inducing severe flooding that can cause thousands of dollars in damages. To ensure you receive full compensation in the event of hurricane damage, it's essential to hire a public insurance claims adjuster that manages the claim’s process on your behalf.

Conclusion

In conclusion, South Florida has a unique climate that can cause a wide range of damages to your property in an instant. Knowing the types of insurance claims you may need to file can undoubtedly help you better secure your property. It’s advisable to contact expert public insurance claims adjusters like Five Star Claims Adjusting if you need assistance in documenting your losses and filing damage claims. Contact Five Star Claims Adjusting today to schedule an inspection, and let them handle your insurance claim in South Florida.