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How to Report Your Florida Property Damage Insurance Claim

As experienced homeowners’ insurance claims attorneys, we understand how critically important it is that you report your claim in a timely manner to your insurance company.  There are several ways to report the claim and the following is a look at some recommendations to follow in making the report:

  1. Notify the insurance company as soon as possible after the damage, but keep in mind that the most important thing is for you to stay safe. Wait until any dangerous conditions have passed before worrying about calling the insurance company.
  2. Keep accurate notes on your call to the insurer. Take out a notepad and have it ready as you make the call.  Jot down the number you called, date, time, and who you spoke with.  Write down what they told you and the claim number assigned.  If you cannot reach the insurer, write down each attempt you have made.
  3. Watch your wording in reporting the claim to the insurance company. You do not know the full extent of the damage at this time.  As such, report accurately what you see at the time from your own inspection, but do not attempt to quantify the damage or rule out damage to certain areas when it is possible more damages will come to light as the storm or other dangerous condition passes.
  4. Know the terminology before you call as this will help you speak with accuracy to an agent. For instance, flood is a specific term in the insurance industry and the source of the water will define whether a flood occurred or not.  If a pipe has burst in your home, sending water throughout, this is not actually a flood, as per the insurance company.
  5. Ask your insurance company who will be coming out to assess the damages.
  6. Take photographs of the damage as soon as it is safe to do so. You can also attempt to gather pictures of the home or area of damage prior to its current damaged state as this can assist later in estimating the value of the loss.
  7. Do not throw out damaged items until the insurance adjuster has come out. You will not receive coverage for damaged items that the adjuster never had a chance to document.  Take pictures of the item yourself and leave it where it is until the adjuster has finished his or her inspection.
  8. Ask the insurance company what steps you should take to mitigate the damages. You are often required to take some mitigation steps, if possible.  Failure to do so could result in the denial of your claim for those damages you could have prevented.  Write down what the agent tells you and follow these steps.
  9. If you are struggling with your claim and feel you need assistance, contact a licensed homeowners’ insurance lawyer to assist you.

Contact the Homeowners’ Insurance Attorneys at Greenberg, Stone & Urbano Today!

If you need assistance with a homeowners’ insurance related matter, contact the Miami Homeowners’ Insurance Attorneys at Greenberg, Stone & Urbano. Our exceptional firm offers the assistance you need to obtain the results you desire.  We have over 130 collective years of experience representing homeowners against their insurers across South Florida and will put our extensive experience to work for you.  Contact our firm as soon as possible to protect your legal rights.  Our firm received an AV rating from Martindale Hubbell and was ranked as a top firm in South Florida by the Miami Herald.  Call us at (888) 499-9700 or (305) 595-2400 or you can visit our website to schedule your initial consultation.


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