Flood damage is often an unfortunate part of living in Florida. This hardship can be made even worse if your insurance carrier refuses to cover the damage. So, how can you make payment from your insurance claim more likely? Here’s what factors into the likelihood your flood damage insurance claim in Tampa is paid.
The Details of Your Policy Indicate Whether Your Flood Damage Insurance Claim in Tampa Will Be Covered
Your insurance policy is the biggest variable when it comes to whether you have a legitimate claim. First, flooding is usually only covered if your policy has added flood insurance. Many homeowners are surprised to learn that they didn’t have the proper coverage before a major event like water damage, so be sure to review your policy before disaster strikes.
Make Sure to Prepare Proper Documentation
It is very important to document any damage as soon as you can. Make a list of your belongings before any damage occurs, so you have a record. If something happens, take more photos and videos, and make notes about everything that was affected.
Negotiation Is Key
Flood damage insurance claims can be an ongoing process. While this can be annoying, the process also leaves room for you to negotiate. After your insurance company gives you the first settlement, you can dispute any issues you see. In some cases, more damages such as mold may occur later if the water is not properly cleaned up, and this can make you eligible for additional compensation.
A public adjuster will make things much easier for you when it comes to negotiation. They know the ins and outs of the insurance business, and they can use that knowledge to help you quickly get the money you deserve.
Your Flood Damage Insurance Claim in Tampa Is in Good Hands With Darryl Davis & Associates!
Darryl and team are here to help you with your flood damage insurance claim in Tampa. Make an appointment with us by calling 954-709-3982 as soon as possible. We offer risk analysis too, giving homeowners peace of mind to ensure they have the right policies in place before a hurricane, water leak, or other major destructive event.