|Date:||July 12, 2019|
|Source:||Naples Daily News|
|Author:||American Building Contractors|
As Hurricane Irma’s two-year anniversary approaches, many Floridians are still reeling from the damage that the category 5 hurricane left in its path. Luckily for homeowners, it’s not too late to file insurance claims to help them fund their recovery costs. In fact, many people are filing claims now because they discovered latent damage.
Due to a statewide law governing hurricane and windstorm claims - Florida Statute 627.70132 - parties must notify their insurers about claims for hurricane-related loss or damages within three years from the date the hurricane made landfall. Since Irma made landfall on September 10, 2017, homeowners will soon be approaching the third and final year to submit a claim.
Although insurers usually encourage or require homeowners to submit claims as soon as they become aware of the damage, sometimes homeowners may not discover damages until long after the storm is over.
Roof damage, for example, may be difficult to see for someone that doesn’t know what to look for. Additionally, in instances where there is damage to a discontinued roof tile, even minor damage can result in expensive repairs.
With the claim’s deadline looming, it may be prudent for any concerned party to request an evaluation from a roofing company, since a professional can better assess whether the roof has sustained any hurricane-related damage.
When selecting which company to work with, many homeowners and property managers find that they benefit from choosing an insurance restoration contractor rather than just any standard roofing company or handyman.
Companies that specialize in insurance restoration contracting maintain strong working relationships with insurance companies and have an accurate understanding of what will or will not be covered by insurance. They are not only experts in fixing damages, but also in determining and proving the underlying causes of those damages.
Another benefit to working with an insurance restoration contractor is that they know how to address any urgent concerns like leaks while maintaining the evidence they need to prove the extent of any damage. Then, they can work directly with the insurance adjuster to inspect the home and determine the complete scope of repairs. Throughout the entire process, they serve as the customer’s advocate and ally.
If an insurance restoration contractor determines that a customer has a potential insurable loss, they will often agree to begin working for the customer with zero money down. Then, once a claim is approved, the customer only out of pocket expense will generally be their deductible.
Since companies like American Building Contractors offer free inspections and consultations, customers who think that their property may have been damaged by Hurricane Irma have nothing to lose. Additionally, with local Florida offices in Naples and Deerfield Beach, the company is well-versed in the state’s insurance laws and understands how to effectively approach insurance companies.
As of November 14, 2018, the Florida Office of Insurance Regulation reported that over one million insurance claims had been filed related to damages from Hurricane Irma. With the right partner, it’s not too late to add your claim to the list.
When it comes to living in Florida, hurricanes are unfortunately part of the reality: since 2004 alone, Charley, Frances, Ivan, Jeanne, Dennis, Katrina, Rita, Wilma, Matthew, Irma and most recently Michael have unfortunately become familiar names across the state. With the right insurance and the right insurance restoration contractor working on your behalf, though, you’ll be all set to enjoy the many benefits of life in the Sunshine State.
American Building Contractors offers insurance restoration services to assist Florida homeowners and property managers with hurricane-related damages. To schedule a free consultation, visit www.abc-usa.com.
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