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Guardian Adjusting Blog
Tips and information on all types of property damage claims.


Broken Pipes

Rick Tapanes - Wednesday, April 26, 2017

Broken Pipe? Act Fast

If there is a broken pipe in your property, you should act right away. The amount of money that your insurance company will pay can be affected by how engaged you are in the maintenance of your property and in the claim process. A broken pipe can wreak havoc on a home or place of business if not detected early, or if it is ignored. If mold sets in there will be whole other set of issues to deal with. The sooner you contact a public adjuster and get your claim filed, the better.

Many insurance companies are not forthcoming when it comes to broken pipe policies. For this reason, it is important to hire a public insurance adjuster who will perform an independent inspection, document the details of your damage, file your claim and deal with your insurance company directly. Furthermore, a good public insurance adjuster will put you in contact with reputable contractors that can perform the repairs that will get your property back to its pre-damage state. Finally, a public adjuster will appeal a claim if necessary and even represent you in court if it comes to that.

Once a broken pipe has been confirmed, call your public adjuster. To stop the water from continuing to enter the property you may require the services of a water remediation company. The water remediation company will work to remove all the water and moisture from your property, including moisture that has been absorbed by floors, walls and furniture. This is vital in stopping the spread of the damage.

After these steps are taken, your public adjuster should continue the property inspection to uncover all the damage, especially any mold or corrosion that has begun to settle in. These two forms of damage can spread if not addressed, even after all water has been removed. The remediation company can also perform an initial mold treatment to stop it from spreading.

The public adjusters at Guardian Adjusting Services have over 100 years of combined experience helping South Florida property owners with their water damage claims. They are experts at uncovering hidden damage and submitting detailed and accurate claims that will help to maximize your settlement. Water damage can be an ongoing issue if not addressed properly from the start. Guardian Adjusting Services will be with you every step of the way. Call us today to learn how we can help.

Imperceptible Damage

Rick Tapanes - Thursday, December 22, 2016

Hidden Property Damage

Property damage is not always immediately discernable, especially to the untrained eye. The effects of some damage will continue well after the initial loss if not identified and remedied. When suffering property damage, every precaution should be taken to ensure that all the damage has been found and addressed.

Documenting all the damage your property has suffered is essential in receiving a favorable settlemetn. Damage that is found after a claim has been resolved will likely be disputed by the insurance company, often with a claim that the damage is due to regular wear and unrelated to the original loss. Bringing in your own property inspector is the best way to ensure that no damage goes unnoticed and unpaid.

Smoke and Ash

Smoke and ash that result from a building fire could continue to affect the property long after the fire has been extinguished. Even a home that has suffered very little damage from a fire may suffer from the long-lasting effects of smoke and ash. Often this damage is not readily visible. Smoke particles tend to remain in the air conditioning and heating systems. Aside from being carcinogenic, these particles can contribute to many ailments including childhood asthma. It is in your best interest to find the smoke and ash damage before your insurance company has settled your claim.

Mold and Rot

Water damage has the greatest potential of long-lasting effects on your property and your health. Water damage can often lead to mold. This is especially true if the property is not completely dried after the incident. Moisture in floors, carpeting, walls and furniture that is not found and removed can turn to mold in a short time. If left longer, mold will grow and spread. Severe mold can sometimes lead to irreversible health conditions while making a property uninhabitable. The mold may not make itself know for months after the initial damage. By that time, it has spread from its hiding places and will be much more difficult to handle.

Public Adjusters Can Help

A public insurance adjuster is your advocate in the face of property damage. They are trained to inspect a damaged property and uncover damage that was not caught initially (or intentionally overlooked by the insurance company). A good public adjuster knows where to look for smoke, ash, water and other damage that would otherwise go undocumented and claimed. Ideally, you should establish a relationship with a good public adjuster before a loss has occurred. In the event of property damage, your public adjuster will be ready to assist you in the claim process.

At Guardian Adjusting Services, we take pride in performing thorough property inspections that uncover all the damage that has occurred. In this way, we can help maximize our clients’ insurance settlements and save them the headache of lingering property damage. Call us to learn how we can help.

Mold your mold damage claim to your advantage

Rick Tapanes - Friday, May 22, 2015

Learn the Facts Before Filing a Mold Damage Claim in Miami

Mold contamination is not to be taken lightly. Left unchecked it can cause serious illness and property damage.

The introduction of mass-produced building products and tract home construction techniques in recent years has only exacerbated the problem, making buildings more susceptible to developing mold infestation. If active mold growth is extensive and persistent it has the potential to cause irreparable structural damage.

The monetary ramifications of a mold contamination in your home can be dire. Thankfully, it’s possible that your homeowners insurance policy may cover the costs. But first you must identify the nature and cause of the mold damage.

What are the most common areas where mold damage may be found in your home?

Although most people associate shower stalls, bath tubs, and basements as the main culprits for harboring mold, the unfortunate truth is that any area that collects moisture in the home can be a breeding ground for mold.

Mold damage may be found in these other common areas:

  • drywall
  • roofing
  • paneling
  • ceiling tiles
  • improperly maintained air conditioners
  • carpets
  • furniture
  • duct work
  • wallpaper
  • near areas surrounding plumbing pipes
  • below sinks
  • underneath carpeting or rugs

Mold is insidious—it will gradually seep into your home through open doors , windows, and air vents. It will even attach itself to clothing, shoes, or pets in order to make its way inside from outdoors.

If You Need to File a Mold Damage Claim in Miami it is Crucial You Consult an Expert Public Adjuster

In terms of insurance coverage, mold damage is a complicated matter. Be aware that most property damage insurance policies include a mold exclusion or limitation. This means that mold damage may be covered only under a very specific set of circumstances. In most cases this involves linking the mold contamination to water damage that has been suffered by the property.

So how can you be sure that you are eligible to file a property damage claim for mold contamination? This is where a consultation with a knowledgeable public adjuster comes into play.

If you believe there is a mold contamination in your home your best course of action is to get a trained public adjuster to inspect your property and ascertain the nature of the mold damage. A thorough inspection will determine if the mold was caused by a past water damage incident such as a broken pipe or leaking roof. A link between the two must be established in order to build a strong case against any mold exclusion clause present in your insurance policy. It is the only way to ensure that your insurance company awards a settlement.

At Guardian Adjusting we have more than thirty years experience providing comprehensive, quality service to Florida residents. Our public adjusters will always defend your best interests and fight aggressively to ensure that you are properly compensated for your property damage claim. Please contact us today for a free evaluation.

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