We are in the heart of hurricane season. Luckily, no storm has headed our way yet, but that does not mean anything. This is Florida. The weather very unpredictable, especially when it comes to hurricanes. With hurricanes constantly threatening our homes every summer, it is safe practice to understand what happens in regards to inspections.
What happens when your property gets damaged by the storms, and you get a visit from a property adjuster? At Your Insurance Attorney, we are experts on what to look out after the destruction. Our office is located in Miami Dade County.
Insurance Claims Adjuster
Who are they? What do they do? What are they looking for? They are basically a person that works for the insurance company that is assigned to figure out how much damage your home has and what it’s worth.
The first thing they will do is ask you if there is any interior damage. The adjuster will then walk around your house looking for signs of hail and wind damage on downspouts or siding. Once the interior is completed and inspected, the adjuster will next check the roof. They will go on the roof and infect the roof, gutters, and gutter covers for any hail damage. Dealing with an insurance claims adjuster can get complicated, we are here to help.
What The Property Adjuster Looks For
They are generally looking for hail impact marks or missing pieces due to heavy wind. The impact marks ultimately determine whether the insurance company is going to approve or deny the replacement of your roof. The standards of insurance companies vary. It depends on how many impacts marks necessary for approval for that specific insurance policy.
Usually, when it comes to hail, you need 6-9 impacts per 100 square feet on your roof for it to qualify for replacement. If approved, the insurance will pay for the repair or replacement.
Things to Look Out For
When determining if your roof needs an inspection, here is a list of what to look out for:
- Excessive granule loss
- Missing and/or damaged shingles
- Dented ven housing
- Damaged gutters
- Collateral damage
- Signs of leaks
If your roof has any of these signs, it a good chance that it needs to be replaced. It is imperative to get it repaired or fixed as soon as possible before the next storm hits. Understanding what constitutes a covered peril is the first step in having your property evaluated. This determines whether or not it is even appropriate to file a claim at your property. The next best step is to call an insurance claims adjuster.
Here at Your Insurance Attorney, we are professionals committed to aiding you when it comes to dealing with a property adjuster. We will work with you or public adjusters all over the state of Florida, especially in the Miami Dade County.
We genuinely care about getting results for you and accomplishing a result that satisfies your needs. Our goal is to help you through great representation from start to finish. Our insurance attorney Miami office will fight for you. Contact us today.