Hurricane Irma: The insurance claims being wrongfully denied

Hurricane Irma hit Florida on September 10, 2017. It was a category 5 hurricane that left a trail of damages in its wake. Roofs were ripped from homes, trees fell on top of vehicles causing them to crack and water from the immense amount of rain caused some living spaces to become uninhabitable. Some people who suffered these damages are still suffering.

           As Americans, after every natural disaster, there are certain steps we know we should take. One of the most important steps we take is filing insurance claims and expecting something back for all the damages we incurred. Unfortunately, that’s not always the case. As of today, 40 percent of insurance claims in Florida, alone, are still being denied.  Insurance companies are always quick to delay or deny policyholders from what they originally promised when they signed their contract. If they don’t, they might ask policyholders to make a sworn statement, trying to take advantage of uninformed policyholders and giving them less then what they deserve. It has become such an issue, that even Sun-Sentinel Gary M. Singer encourages “if the insurer denies full payout of Hurricane Imra, exercise patience.” Some people have been waiting for 8 months, how much longer are they supposed to “exercise patience”? In the article, “Florida still dealing with Irma”, Chad Bunch says, “Just take a look when you fly in and out of Southwest Florida at the thousands of blue roof homes we still have”. That, alone, signifies how things still haven’t been fixed. No one thinks that they are going to have to worry about the insurance company their paying for every month letting them down. Yet it happens every time. Over 28,000 Hurricane Irma claims have been denied.  

 

    If this sounds an awful lot like your situation, I’m happy to tell you Gables Insurance Recovery can help. GIR  is a Public Adjuster Insurance company. What is a Public Adjuster? They are the only property loss officials that work on the policyholders’ behalf. GIR has over 77 years of experience under their belt when it comes to dealing with helping homeowners in their time of need. They have a legal staff that knows the in and outs of every insurance policy and will fight for the rights you deserve. Their clients come first, even before the money does. They will not take a cent from you until the insurance company gives you what you deserve. Their expertise allows them the ability to evaluate, reassess, facilitate and maximize the amount of money you can gain from your insurance claim. With them, you will not be taken advantage of because they will let you know what’s going on through each and every step of the process.

 

       

Please email or call for more information today: 1-877-278-5566

Be Prepared for Hurricane Season 2018

With hurricane season approaching soon, it is very important to take pictures of your property now. The photos should be of the exterior and interior of your property. When taking photos of the interior, take photos room by room of the ceiling, walls, floors and personal property. If a storm is approaching, take photos of your property after you have secured it for the pending storm.
Source: Hurricane season may be even worse in 2018 after a harrowing 2017

Hurricane Preparedness Checklist

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Advice For Mold In Your Home

What to Do If You Find Mold in Your Home

If you were to list potential threats to both your health and your home, chances are mold wouldn’t be anywhere near the top. But considering how common and dangerous mold actually is, perhaps it should be.

Mold is no pesky cleaning problem. It has been known to cause serious illness ranging from allergic reactions and dermatitis to full-blown asthma attacks. Children, the elderly and those suffering from chronic diseases are especially susceptible to mold’s unhealthy effects.

If you notice mold in your home, it requires immediate attention. The steps you take to eradicate existing mold and manage future outbreaks will protect not only your home but your health as well.

Here is some key information for dealing with mold in your home.

How Does Mold Get into Your Home?

Like most microorganisms, mold spores are everywhere—including in your home—and are virtually impossible to get rid of completely. In most instances, this microscopic freeloading usually comes at no consequence to the homeowner. However, trouble starts when these spores are given sufficient amounts of moisture. Their favorite spots to fester indoors include naturally damp areas such as bathrooms, kitchens, laundry rooms, basements and crawlspaces.

Because the spores cannot grow without moisture, reducing the dampness in your home is the number one way to combat mold growth. If you notice mold resulting from too much moisture in your home, try using a dehumidifier or adding insulation to cold surfaces to lessen dampness. It is also a good idea to keep doors between rooms open to increase air circulation and heat cold surfaces, which reduces condensation.

How Do You Clean It Up?

All the dehumidifiers and circulation in the world, however, will not help you deal with mold that’s already present. Once you have spotted mold in your home—maybe some of your items are discolored or look smudged and blotchy—or smelled its musty odor, it needs to be dealt with swiftly. The question is: Who is going to take care of the cleanup?

The size and scope of the outbreak determines who does the dirty work. If the mold is isolated to a few spots in your shower or kitchen, then you can often take charge and clean it yourself. Routine maintenance with water and bleach—always wear proper gloves and eye protection—should take care of the problem. However, if the mold growth is too widespread or in hard-to-reach places like the back of wallpaper, drywall or underneath the carpet, we suggest hiring someone you trust to do the job for you.

When it comes to protecting your home from mold, prevention really is the best way to go. If you can control the amount of moisture in your home, then you can control the amount of mold in your home.

It is important to be aware that there is frequently a $10,000 limit on mold in many homeowner policies. Gables Insurance Recovery is available to examine your policy in light of these limits, which can be an unwelcomed surprise in the event of a loss.

If you have mold in your home and would like to file an insurance claim but have some questions, feel free to contact us today. We would be more than happy to walk you through the process.