One of the most common causes of damage to a Florida home or business is from water. There are various types of water damage and each kind of damage has specific water mitigation methods. The cause of the water damage and area of the property that absorbs the water will determine the amount of damage.

It’s essential that when dealing with water damage that the problem be addressed as quickly as possible. Handling your water damage loss in a quick and systematic way is the most beneficial approach to handling the problem. It’s much easier to handle the situation if you have a plan beforehand and know a professional that can help. The public adjusters at Labrador Claims Consultants, are ready to help and can be contacted to review your property and insurance coverage. The insurance companies employ adjusters to represent their rights, and so should you.

Water Damage can cause extensive damage to your home or business. Our goal is to place you back to pre-loss condition as quickly as possible.

Typical Causes of Water Damage:

• Pipe burst: Usually occurs in the wall, under the floor, water heaters or sink area
• A/C leak: Usually caused from overflowing drip pans
• Plumbing leak: Usually occurs from a ruptured hose from the dishwasher, washing machine, refrigerator, water heater or water supply line under the sink in the kitchen or bathroom.
• A sewer line backup: Usually resulting in overflowing water and/or waste into the home or business
• Roof Leak: Roof leaks are very common in Florida during the rainy season.

The first step is to identify the source of the leak, to stop the flow of water into the home and minimize the damage. In a situation in which a large amount of water escaped into the home, you will need the services of an experienced water mitigation company. The mitigation company will remove the excess water and dry the home to prevent further damage. Mold can occur if the home is not properly dried.

Once the water is removed and the home is dry, the full damage to the home and contents can be assessed.

1. Get a Free Inspection
For new, denied or underpaid claims, Labrador Claims will come out and assess the damage to your property and on your roof.

2. File Your Claim
Labrador Claims will file or reopen your claim and handle any and all phone calls, correspondence and inspections on your behalf.

3. Get an Estimate
We take inventory of the loss and prepare an accurate estimate for the restoration, reparation and replacement of your damaged property.

4. Claim Offer
We ensure that you are properly compensated for your damages.

5. Receive Your Funds
Receive your check from your Insurance Company, so that you can repair your home.

Roofers and Contractors typically like to canvas neighborhoods after a storm or fire has occurred. They might require you to sign a contract, (also known as an Assignment of Benefits, or AOB) in order to inspect your roof and submit a claim. Once you have signed the AOB, you might be giving away rights to your claim to that specific roofing company or contractor. We do not recommend you sign an AOB to handle your claim. Only a licensed Public Adjuster or attorney can legally represent you. Once you receive the funds from your claim you are free to choose the contractor of your choice to complete the repairs. However, if you sign an AOB, you lose the freedom to choose and will be required to use that specific company to do the work on your property.

Contact Labrador Claims at 407-733-9997 for a FREE inspection

Try to have as much of the following information as possible available when calling us to file a claim.

To start the claims process, we will need the following information:

Policyholder information: Name of insured, address, phone number, e-mail and policy number
Description of loss: Time and date of loss, location of incident, detailed description of damages
Authority notification: Note all authorities notified (fire dept., police, etc.)
Damage Mitigation: Advise if you have already contacted any emergency service companies or performed any sort of damage mitigation.

If you are not sure if you need a public adjuster, give us a call at (407) 733-9997 or fill out one of our contact forms.