Commercial Claims
Residential Claims
Water Damage
Water Damage can strike just about anywhere, and at any time. As a Property owner, there are many different types of
water damage you can encounter, including:
Frozen pipes leaking or bursting
Water Damage can be quite common, and will ruin wood fixtures, electronics, flooring, carpet, furniture, baseboards, finishings, and bedding. Losses due to water exposure are in fact so prevalent that the insurance industry has reported them to be the most frequent claim type they see. Here is a list of common
water damage claims, per insurance company reports:
Residential Claims
Florida’s tropical weather is indulging on one hand, but unfriendly on another. Sunny days can turn into stormy ones with flooding rains, damaging hails and mischievous winds. These three natural phenomena can lead to uncomfortable outcomes for your home.
As damaged roofs can leak, water eventually will leave marks on your ceiling and walls, and water is a perfect place for molds to grow. This type of loss is different from the one a hurricane or tornado causes, as huge wind, windstorm and hail can be a risk factor too. But these damages are harder to prove, though, not impossible. At least for us.
Let us fight for you and your claim. Water stains going up to the ceiling or running down the walls mean you probably have a leaky roof caused by a natural phenomenon. An outside threat that can infiltrate your house slowly.
Roof leaks are very common. Probably every family suffers from its consequences at least once in their lifetime. Or even more, because if one leak has sprung, then there are more leaks to come. Regularly old, bad roofs spring leaks, especially when missing or damaged shingles is the reason why the problem occurs.
Therefore, simply repairing the roof is not enough if you think about an effective, long lasting solution. Moreover, a roof leak is not just about repairing shingles as the leak can cause other damages like bad decking, and mold. Not to mention rotting wood which is fatal to the building’s structure
Pipe Leaks
Pipe leak never comes alone. If there is one, there might be more, as old bad pipes will eventually surrender to time. And when it happens, water and mold damages will accompany its destruction. Pipe leaks are very common all over the world. Probably every family suffers from its consequences at least once in their lifetime. Or even more, because if one leak has sprung, then there are more leaks to come.
Regularly old, bad pipes spring a leak, especially when corrosion is the reason why the problem occurs. Therefore, simply repairing the hole is not enough if you think about an effective, long lasting solution.
Moreover, a pipe leak is not just about changing one or more pipes as the leak can cause other damages like water and mold. Not to mention rotting which is fatal for your furniture and the building’s structure.
Bathroom / Kitchen Leaks
A faucet leak caused by failed washers or worn-out gaskets? A malfunction of the dishwasher? The outcome is always terrible: damaged equipment, rotting pieces, lots of money and a kitchen you can’t use. Kitchen leak is a special type of pipe leak and by saying special we mean it's an especially bad one.
Kitchen furniture and equipment are extremely expensive so a faucet leak usually caused by failed washers or worn-out gaskets can cause a loss that costs a lot of money because from machine malfunctions to rotten furniture you have to replace every damaged piece. Plus, all women know how difficult it is to manage cooking for the family when the kitchen cannot be used for weeks or maybe months due to renovation.
Therefore, waiting a long time to settle the claim with the insurance company is not really an option.
HVAC Leaks
Property owners may eventually deal with the consequence of water damage originating from air conditioning units or other HVAC systems.
A common occurrence for business owners typically in the summer months and in the southern region of the US, An air conditioning leak can arise from many sources such as: cracked or rusted drain pans, broken condensation pumps, disconnected drain lines, frozen evaporator coils and in most cases clogged drain line. Identifying the source or cause of the AC leak is not always simple and can mean that contacting an AC technician is the next step to take. Unfortunately, water damage arising from an air conditioning leak may not only stay contained to the boundaries of where the unit or pipes are located.
The resulting effect on a property such as a condominium building, apartment building, restaurant, school, or even a church can be devastating. The water damage disaster of an air conditioning unit discharging gallons of water into a commercial property can be astounding. Water can travel down shafts and make its way down several floors below. Damages to a building caused by a HVAC leak will present difficult circumstances to a business owner and managers.
Majority of Air-Conditioning damages are caused by leaks. Some of these leaks tend to be relatively small but if it is left unattended for a long period of time, it can lead to massive amounts of damage, especially if it is installed above the ceiling. What a lot of homeowners don’t know is that many of these leaks can be easily fixed and maintained without calling a professional. There can be many reasons why A/C systems leak, to name a few there may be:
The average costs of different types of air conditioner problems:
Fire Damage
A fire insurance claim is one of the most complex types. Insurance companies often overlook or underpay the full cost of repairs to your home. Fire claims require attention to detail during the claim process. Homeowners and business owners alike follow the insurance company’s claim adjuster at their peril. Often this can result in many delays, low settlement payouts and even denied claims. This is where iFile Claims can assist and ensure you receive maximum compensation for your damages as well as getting your life back to normal.
Being a victim of fire damage to your property can be a very heart-breaking scenario. It is the worst property damage that can occur to a property owner. You can completely lose your property and belongings, and even to the point of having someone get hurt, or fatally wounded. You may be left without a home, or sadly, even a pet. What do you do next? Filing a claim may not be the first thought that comes to mind. You will probably need a few days to regain your composure, but do not wait too long as it is essential to take action immediately. Hiring a public adjuster can allow you the time necessary to compose yourself
Sinkholes
Sinkholes are the result of water collecting underground without some sort of external drainage mechanism. As the water collects, it erodes the bedrock and creates underground spaces.
Some sinkholes may develop without warning, while there may be several signs before others develop. Those occurring on the outskirts of a commercial property may go unnoticed and create specific structural issues for buildings.
Ruptured sewer lines contribute to some urban sinkholes, but generally they are a naturally recurring phenomenon characterized by sudden settlement or collapse of land.
They usually occur when underground water or seismic activity creates voids or chasms underneath the surface of the earth. When topsoil becomes heavy with rainwater, is subject to some other stressor, or there is gradual groundwater erosion, the surface collapses into the void, and a sinkhole forms and swallows whatever was sitting on top of it.
Areas built on soft rock, such as limestone, and near underground aquifers are particularly susceptible to sinkholes.
Storm, Lightning, Hail, Wind Damage
Storm Damage: Dangerous storms are relatively frequent in Florida and sometimes develop without warning. These natural disasters are very destructive and can cause extensive and costly damage to your home with high-speed winds. If you have experienced storm damage to your home or weather-related property damage, one of our licensed public adjusters will come out and review your potential claim.
Lightning Damage: We are vulnerable to lightning strikes because Florida is the lightning capital of the United States. Many homes, with thorough electrical inputs, are susceptible to lightning damage, and although it may not come in direct contact, it can still cause substantial damage.
Hail Damage: Impacts made by hail include broken windows, air conditioners, exterior wall dents, and roof damage. Although the insurance may not cover cosmetic injury, take note of any harm that destroys the interior or structure of your home or business that affects the quality of life. Florida isn’t often plagued by massive amounts of hail; however, if it does happen to you and you need a hail damage public adjuster to review your claim, you know who to call.
Wind Damage: Dangerous storms are relatively frequent in South Florida and sometimes develop without warning. These natural disasters are very destructive and can cause extensive and costly damage to your home with high-speed winds. If you have experienced storm damage to your home or weather-related property damage, one of our licensed public adjusters will come out and review your potential claim.
Mold Damage
Mold usually starts as a small speck and can grow fast. It can be spotted early on unless it is in an area out of site. If you come across a spot and are unsure if it is an old stain, below are a few signs to look out for:
Home or commercial insurance mold removal depends on the cause of the damage, policy coverage and the insurance company. As stated, the carrier and your policy will determine coverage. A majority of providers that do offer coverage have limits. If you have a leak and do nothing about it for some time pesky spores will begin to grow.
Mold thrives in humid climates. Florida homes are prone to it due to the year-round humidity particularly in the summer during the rainy season. This kind of damage is generally attributed to other damage including burst pipes, a leaky roof, humidity, faulty A/C, etc.If left unchecked, it can cause substantial damage to your home and health.
While it is often covered by insurance policies when it originates as a result of a covered peril.
Basically, homeowners insurance may protect you if the claim filed is part of a peril. There are exceptions. We can help you navigate the complexity of your policy. Usually, the home or commercial insurance company will only cover what the policy lists. Fire and vandalism coverage is standard on most policies, however, additional coverage may be needed in some instances.
Theft Vandalism
Vandalism is any deliberate destruction of or damage to public or private property. Examples of vandalism include:
Business Interruption
Business interruption: It is designed to reimburse the income lost during the time of repairing or restoring the physical damage. Extended business interruption: It is designed to reimburse for only a limited amount of time, specifically for the income that is lost after the property is repaired but before the income returns to its pre-loss level.
Contingent business interruption: It is designed to provide coverage for the income that was lost due to physical damage, not to its property, but to the property of providers or suppliers
Motor Vehicle
Automobile accident claims are either denied by the insurance company or settled for significantly less than the case is worth. When a car accident occurs and a claim is denied, it can place a serious financial burden on the policyholder
