Flash floods can happen suddenly, transforming the landscape from years of drought to flooded drainage ditches, rivers, creeks, streams and lakes. Water from overflows quickly becomes contaminated with sewage. Florida residents are no strangers to flooding as the residential and commercial areas are near the ocean, lakes, bays, and other bodies of water. Due to coastal flooding and vulnerability to major storms and hurricanes, a flood is always something homeowners and commercial property owners must be prepared for. This is where Beacon Adjusters Group comes in.
Major flood events have occurred in Florida due to hurricane catastrophes which oftentimes causes flood damages. Flood damage can cost homeowners tens of thousands in repairs. The aftermath of a residential flood loss can leave homeowners and other property owners with the burden of facing extremely difficult and complex decisions. Issues related to property damage of items such as: walls, drywall, flooring materials, electrical, plumbing, HVAC, building envelopes such as siding, windows, and other types of building materials become a major concern when dealing with flood damage claims. Property owners are also faced with the delicate and emotional toll that flood damage causes to personal property such as cloths, furniture, electronics, food spoilage and items of sentimental value can take on one whose house just got heavily flood damaged. Navigating and understanding the process of a flood claim will be overwhelming. Beacon Adjusters Group can assist commercial and residential property owners on new flood damage claims, underpaid claims, and even claims that have been denied coverage under your homeowners policy.
Hurricanes cause massive property damage. They destroy homes, businesses, and damage economies, in some events recovery lasts several years after the storm. Hurricane damage is the most common weather-related cause of property damage in Florida. Each year, Florida experiences severe weather due to its tropical climate and its proximity to water. Homeowners greatest fear is hurricane which is a yearly event lasting several months. A single hurricane can result in thousands of dollars in damages. Hurricanes should always be taken seriously; in fact, they are powerful and cause some serious water damage, flood damage, mold damage, and structural damage. Whether you have an existing hurricane damage claim or are preparing for this upcoming hurricane season, it is important to get in contact with a Florida public adjuster that can offer a clear understanding of your insurance policy. Our team of licensed adjusters offers a free claim analysis and a partnership with a dedicated claim representative.
Our team travels all over. We service all areas in Florida for example, North Miami Beach, Hollywood, Hallandale, Aventura, Fort Lauderdale, Sunrise, Plantation, Boca Raton, West Palm Beach, Port St. Lucie, etc. just to name a few and many other surrounding areas. Within hours of a phone call, our team makes the trip to evaluate your hurricane damage. You should not attempt to make any repairs on your own until you had a professional public adjuster look over the property for an accurate evaluation. Properly documenting your loss, preventing further damage, avoiding business interruptions, and expediting the claims process all require experience and specific knowledge. Beacon Adjusters Group have years of hurricane insurance claims experience and know how to execute a thorough documentation of your loss. We will take into account the full legal value of your loss, including citing damage that can go overlooked. We will always do our best to obtain the best result for your claim and we will stand behind our promise of no cost to you if there is no recovery.
STORM AND WIND DAMAGE
Oftentimes, wind shear, hurricanes, tornados, tropical storms, and powerful thunderstorms can initiate a wind related damage claim. Damage can occur to metal and commercial roofing, siding, shingles, garage doors, patios, screened areas, windows and landscaping. We verify the event, which in some instances is obvious with roofing or sides of structures clearly ripped from their foundations.
Any damages to a home caused by storm and wind related perils will present complex issues to a homeowner. Beacon Adjusters Group will properly address and identify underlying issues that yourself and insurance company may not understand. Other issues related to structure and non-cosmetic storm and wind damage will remain until properly remedied. This is simply why it is encouraged to contact a public adjuster at the early stages of your claim. Beacon Adjusters Group can assist residential property owners on new claims, underpaid claims, and even claims that have been denied coverage under your homeowners’ policy.
Tornado damage insurance claims can be the most stressful event in a commercial business owner or homeowner’s lifetime. These events are emotionally traumatizing, leaving those who suffer them in a challenging position. The immediate aftermath is what many homeowners are never prepared to experience. Urgency kicks in, property damage issues such as food spoilage from power outages, fallen trees, blown roof shingles, exposed roof sheathing, or even partial or full structural damage to a residential property become imperative in addressing immediately. An experienced public adjuster will properly address and identify underlying tornado damage issues that yourself and insurance company may not understand. At times, expert testimony and weather data needs to be combined to paint a clear picture of the event and the true value of the loss. Many of these issues will be difficult to investigate and document once certain repairs are made to the property. However, other issues related to structure and non-cosmetic damages will remain until properly remedied. This is simply why it is encouraged to contact a public adjuster at the early stages of your tornado damage insurance claim. Beacon Adjusters Group can assist commercial and residential property owners on new claims, underpaid claims, and even claims that have been denied coverage under your homeowners policy.
Water damage is one of the most common types of property damage in Florida. Florida storms frequently result in water damages. Water damage in Florida can occur in both residential and commercial real estate. If your house floods after a storm, it is important to get in contact immediately with a water damage public adjuster that can offer a clear understanding of your insurance policy. There are various types of water damage and each kind of damage has specific water mitigation methods. Your homeowner’s insurance policy should cover any sudden and unexpected water damage due to a plumbing malfunction or broken pipe. Such damages can be sewage backup, water heater leak, burst pipe, broken cast iron pipe, etc. However, most home insurance policies may contain cap limits and exclusion that prevent homeowners from recovering the total cost of the repairs. When you discover any water damage, you should immediately call your public adjuster. Beacon Adjusters Group can help you claim various types of damage, including: Mold; Corrosion; Leaks (AC, kitchen, bathroom, window, dishwasher, shower, pan, etc.); Broken pipes. If your home has any of the above damages, Beacon Adjusters Group skilled negotiators will meticulously go through all the evidence and document everything to make sure you get the most out of your settlement.
Homeowner’s insurance may cover roof damage, depending on what caused the damage. For instance, homeowners insurance may help cover the cost of repairs if a named storm or a fallen tree damages your roof. However, some policy covers roof leaks without the need for named storms or hurricane events. Roof damage is an inconvenience that is bound to affect a home or business owner at least once in their lives. Aware of this unavoidable reality, every property owner should connect with one of our public adjusters in order to gain a better understanding of their insurance coverage for roof leak damage. There are various causes of roof damage depending on the circumstance. If you are noticing any signs of wear on your roof or ceiling, it may be a result of the following: Loss of granules on shingle roofs; Blistering; Damaged shakes; Fallen trees or debris (high winds caused by storms and hurricanes can uproot trees, toppling them over onto your roof and damaging it structurally. Debris can also be carried by the wind and inflict damage). When roof damage does happen, it is equally important that the full damage is recognized, reported and repaired. Beacon Adjusters Group has access to several roofers in Florida that can identify the loss of granules on shingles and will be able to adequately assess the roof damage to your property.
South Florida, specifically, is a location in which moisture thrives, and where there is moisture, there is the potential for mold. Mold is a common discovery in many homes in Florida. Mold is a stubborn fungus that can take over a home or commercial property and thrive in the most unsuspecting locations. It can even be invisible to the eye and spread quickly in the presence of water. In addition to the damage that mold can cause to a property, it also has harmful effects on residents, targeting a person’s respiratory system. With all the detrimental impacts that mold can have and its limitations in insurance policies, it is most effective to link it to water damage when filing a claim. Water damage doesn’t have the same policy limitations as mold, and water causes mold to develop and thrive. Therefore, it’s very common that water damage is the claim and mold is the tangential damage caused by the water claim. Most of the homeowner’s insurance policy provides coverage for mold remediation. It is very critical to mitigating mold damages to prevent health problems. Beacon Adjusters Group can help you put together a mold damage insurance claim. Our experienced public insurance adjusters are dedicated to making sure you receive the care you deserve after experiencing mold damage.
Fires can be the most difficult and trying times a business owner or homeowner may ever experience. When a fire happens, your world is turned upside down. Oftentimes, a small spark can set ablaze an entire building. The leading cause is found to be attributed to cooking equipment related issues. The aftermath of a residential fire damage can leave homeowners and other property owners with the burden of facing extremely difficult and complex decisions. In a residential fire, relocating your family and documenting a lifetime worth of personal property is an overwhelming process. Issues related to property damage of items such as drywall, flooring, insulation, HVAC systems and other interior finishes are just some of the many concerns one should have when dealing with fire and smoke claims. Property owners are also faced with the delicate and emotional toll that damage to personal property such as cloths, furniture, electronics, and items of sentimental value can take on one whose house just burned. Fires are always very devastating events causing severe damages, resulting from complete destruction to smoke damage. Our team at Beacon Adjuster Group can make filing a fire damage insurance claim and getting repair services an easy process. Our team brings years of experience in fire damage insurance claims. Our experienced public insurance adjusters are dedicated to making sure you receive the care you deserve after experiencing fire damage. Beacon Adjusters Group fire damage public insurance adjuster advocates for the policyholder in appraising and negotiating an insurance claim, offers a free claim analysis and no fee if there is no recovery.
VANDALISM AND THEFT
You can claim any damage to your property due to vandalism. If you are a commercial or residential property owner, you run the risk of theft and vandalism. If you are a victim of vandalism or stolen property, it can be a very frustrating case. Beacon Adjusters Group public insurance adjusters work tirelessly with owners to get a clear understanding of the scenario and make sure the vandalism damage claim is handled promptly and correctly. We ensure to scope all the relative damage derived from the incident maximizing your claim settlement. Beacon Adjusters Group professionally handle vandalism insurance claims throughout the State of Florida.
Beacon Adjusters Group manage business interruption insurance claims throughout Florida. Our experienced public insurance adjusters are dedicated to making sure you receive the care you deserve after experiencing loss of business income.
Dealing with commercial building insurance claim can present multitude challenges for business owners. Beacon Adjusters Group can help you with all natural disasters insurance claim including: water damage, hurricane damage; storm damage; hail damage, tornado damage; flood damage, fire and smoke, etc. If you choose to file the claim yourself, you will be juggling the claims process while attempting to maintain your business. Water damage at commercial properties may include broken pipes, mold, faulty machinery, faulty appliances, malfunctions in HVAC systems and other sources of building water damage. These events can halt your operations until clean-up and reconstruction is completed. In the event of a loss, it is the business owner’s responsibility to ensure the damages are mitigated to avoid additional loss. Beacon Adjusters Group specializes in commercial losses and can assist you in damage mitigation in multiple ways.