There are several factors that you have to consider before you file a new claim for damages to your home or business.
1. Is the damage covered by my insurance policy? Not everything that occurs to your home or business is covered. Losses caused by termite, floods, repeated leakage or settlement are not covered by your policy. You might have a policy that excludes water or other types of damages.
2. Is your damage sufficient enough to file a claim? If the amount of your loss does not, or barely exceeds your deductible, then you should not file a claim with your insurance company.
Contact Labrador Claims at 407-733-9997 for a free inspection.
Our experts will:
The insurance company employs adjusters to represent their rights, and so should you.
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.
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.