Monday, June 27, 2016

You Don’t Have to Accept Cleaning as an Alternative to Replacement on Your Claim

Several types of damage to your property require different types of solutions. However, insurance companies are going to attempt to fix your property by spending as little as possible. That does not mean you always have to settle for what they initially attempt to offer you, especially with an expert public adjuster on your side.

Water damage and smoke damage can affect property in all sorts of ways. In some instances, it may appear that a thorough cleaning will return your property back to the way it used to be. But this is different from actual replacement. Even professional water/fire clean up services cannot undo all damage. And when an insurance company is required to replace your property, you don’t have to settle for just a cleaning.

In instances of smoke damage, an insurance company may claim that cleaning will restore household items like drapes, carpet and furniture. However, there is no way to guarantee this will restore all of your property, even though insurance companies will try to convince you otherwise.

Water damage falls along the same lines. In many cases, insurance companies will offer a cleaning service in an effort to cut on costs. But that does not always account for any underlying damage caused by excess water. That damage might pose problems in the long term.We have public adjusters in NC,SC,FL and GA standing by to assist you through your claim.

The bottom line is that when you have a replacement policy, you have the option whether to repair or replace your property. Replacement claims spell out the fact that replacement is what is required, yet insurance companies will usually try to talk clients into a cleaning instead. Another tactic they will use is actually providing you with a cleaning service they recommend.

Be wary of these ploys as they are ones a public adjuster can detect right away. There are several ways insurance companies attempt to manipulate their clients and pushing cleaning over replacement is just one common example.

Replacement cost policies are intended to reimburse the full cost of your property. You are entitled to receive a new item as if you walked into a store and bought it yourself. That can be costly for insurance companies, which makes sense why they would try to push cleaning services as an alternative. Remember that even if the claim is disputed, you do not have to settle for a mere cleaning.

At AmeriClaims, we know what you are going through. Headquartered in Charlotte, NC we also help clients in Florida, Georgia, and South Carolina get fair payout on their claims. AmeriClaims can provide you with a trusted North Carolina public adjuster that won’t let you settle for less than you deserve. You can avoid insurance company tactics by enlisting the services of AmeriClaims, the top public adjuster NC, SC, GA and FL offers its residents.

Monday, June 13, 2016

What Is Covered Under Your Condo and Townhome Insurance Master Policy

Coastal view of Miami, FL
Insuring a condo or townhome is different than insuring a single home because the property is attached to a larger complex. According to AmeriClaims Public Adjusters in GA, there are special considerations to make and certain factors you should know when it comes to townhomes and condo insurance.

Since owning a townhome or condo means that you belong to a larger structure, there are maintenance requirements to account for in most HOAs (Homeowners Associations). There are several common areas that are used by the whole community and these areas also need to be insured. The condo or townhome association takes care of insuring those areas, which is why there are association fees every owner must pay. But keep in mind that personal property and liability within your condo or townhome is not covered by simply paying HOA fees.

Condo Insurance

Condo insurance generally provides coverage on the majority of possessions within your individual unit. A bare walls-in policy covers all real property within a condo, which includes personal possessions, appliances, furniture, and d├ęcor items. Those looking for more extensive coverage in their condo can opt for an all-in policy. However, damages to shared amenities, the exterior structure and land all fall under the master HOA policy.  A South Carolina claims adjuster reminds us that condo owners do not actually own any land, just a certain amount of space within a complex. The risks covered by your condo insurance cover the following:

•    Fire or smoke damage
•    Hailstorm, lightning and high winds
•    Civil unrest or riot
•    Car crash into complex
•    Theft and vandalism
•    Building collapse
•    Falling objects

Townhome Insurance

Townhome insurance extends to all of the areas on the deed. That includes the land outside the townhome in addition to the interior and any balcony. Townhome owners own the land on which their unit is built, which means they need to have liability coverage should someone experience a slip and fall on their premises. The type of association and its specifics will detail what should and should not be covered with individual townhome insurance.

There are some townhomes that have no HOA that provides insurance for common areas and maintenance the way most condo HOAs are set up. In those instances, the same kind of homeowner’s insurance policies for single homes would apply to townhome owners.

In case you live in a higher risk area such as the South Carolina and Florida coasts you will want to make sure your insurance protects against natural disasters. If disaster strikes AmeriClaims can help commercial and residential property owners, including condo owners and townhome owners, through the claims process. A public insurance adjuster will review your policy and make sure you receive exactly what you are entitled to according to your insurance policy.