Coverage for flooding and damage can be the most complex perils covered by insurance policies. They are entirely different according to most insurance policies, with either water or flood potentially being excluded. Understanding and documenting the cause of loss could allow for proper coverage.
Prior to the 1970’s, damage caused by floods were not typically covered by the private insurance market. The devastation and extent of the damage that a flood can cause is severe and high risk for insurance carriers. Today, homeowners or commercial property owners are able to purchase a flood policy – these policies are entirely separate from your primary property insurance plans. Your property insurance does NOT normally cover flooding.
For residents of Florida, flooding is common reality, so it is almost always advisable to purchase a flood insurance policy for your home or business. You also need to be familiar with the terms of your policy. That means reading, reviewing and making sure you understand the limitations of it.
If you experience flooding and must call a damage restoration company to dry out your property, you must also be familiar with the rules that FEMA uses to pay you back. You don’t want to get stuck with a massive bill, since these restrictions are extremely strict and demanding.FEMA Drying Guidelines
Good Claim Public Adjusters has dealt extensively with flood claims over the last 28 years, and we have seen just about everything. The first thing we recommend to all of our clients is to read and understand your flood insurance policy BEFORE a loss. Unfortunately, that’s not always possible, and these policies are limited in what they pay and what they cover. You must follow timelines for filing your proof of loss, which is typically 60 days – not a lot of time to gather the documentation needed.
In the face of all of the stress during and after a flood, most policyholders simply do not have the time to put into all the necessary details of a claim. We will organize and manage your entire claim from start to finish, so you don’t have to. We understand and are familiar with what the insurance carriers expect, as well as the ways they enforce their policies. It can be a complex and difficult road to navigate in order to be property compensated for your loss. Good Claim is prepared to advocate for your rights as the policyholder, and we can help you take full advantage of your policy.
Mold contamination is a serious side-effect of water and flooding damage. After flood waters recede, it can be days or weeks (or months) before you are allowed back into your home or business. By then, mold has taken a toll on your property, and the resulting damage is not only difficult to deal with, it is also dangerous to your health. This can be an expensive problem.
Good Claim Public Adjusters can assess your mold damage claim and advise the necessary course of action. Insurance company representatives often quote policy exclusions for mold even when your policy says it is covered. You need an experienced professional to make sure your insurance carrier fairly compensates you for your mold damage per your policy.
Thank you Frank Evans for your five star service to my wife and I in the aftermath of Hurricane Irma! Before Frank was recommended to us we were constantly on the phone, emailing, texting, sending pictures and information to our insurance company. There must have been 4-5, or more, people we spoke with at different locations related to our insurance company. It often seemed that their “left hand did not know what the right hand was doing.”… After Frank came on board to take over, things got much easier, immediately. He became our advocate shouldering the load taking most of the stress off of us… Frank gave us a lot of peace and encouragement throughout this process and got back with us promptly when we had questions. I believe that Frank is a man of integrity and great professionalism, certainly a pleasure to work with. With Frank’s help, I believe that we received considerably more in financial damage claims than we would have received on our own.
Thanks to the work of Good Claim Public Adjusters. They did deal with the insurance company and got a settlement worked out.
My family and I were devastated when Hurricane Irma affected our home. Good Claim Public adjusters were friendly, professional and informative in every step of the process. They walked us through every step of the claim which allowed our family to get back to living and stop worrying. Our family is extremely satisfied with the service and we would highly recommend them to anyone else in need after a disaster.
Thanks to this wonderful company for helping us get through one of the most frustrating times in our life. We found ourselves dealing with a water damage and mold issue in our home and we struggled with our insurance company to get properly reimbursed. Thanks to Frank and Tabitha for using their vast knowledge and experience to handle matters with the insurance company for us. They were able to get our insurance claim resolved and paid so that we could get back to our normal lives. They were very professional, helpful and kept us informed every step of the way. I don’t know what we would have done without their help! It’s so refreshing to know that there are people out there that still care and want to help others. We will be forever grateful! Thanks again for everything!
Good Claim Public Adjusters are great! We received excellent service in a professional and timely manner. They are hardworking, professional, and caring. Frank and Tabitha are exceptional at what they do. They handled everything from start to finish. And the best part is we never had to deal with the insurance company again!
Like many, our properties on the St. Johns River and at Vilano Beach were severely damaged by the high winds and water associated with Hurricane Matthew. Your sustained attention to timely detail, knowledge of the insurance claims business, and construction knowledge and estimating skill as applied to our claims has enabled us to go on about the important business we had after this storm happened and this relief worked very well for us. We appreciate that you were able to handle the insurance companies, their processes, and their constantly changing work staff, while staying focused upon “our” losses, enabling “our” family to be confidently indemnified and made whole by our insurance carriers. We feel that without your help and guidance we would no doubt have suffered a substantial loss of time and treasure and for your efforts we are eternally grateful.
My husband and I recently encountered an unjust denial by [our insurance] of a hail damage claim. Every other home in our community was approved by homeowners’ insurance to replace their roofs due to an intense hail storm, except ours… We felt helpless to fight for justice against a powerful, recalcitrant company that would not honor the terms of our policy. A roofer referred us to Frank Evans… He proceeded, on our behalf, to engage with [our insurance] in an honest effort to persuade them to honor our policy. Throughout this unfortunate circumstance, Frank fought for us as if this were his own problem to solve. He continuously made judgement calls that were honest and in our best interest. He cared about our situation and called upon other experts, e.g. engineers, lawyers, and other adjusters. For those who legitimately find themselves at odds with an insurance company that is supposed to honor their policies for evident property damage, I highly recommend Public Adjuster, Frank Evans.
Our home had extensive damage from Hurricane Irma. Frank was recommended to help me navigate through the catastrophe claims process with my insurance company. Because of his expertise we received a sizable check that covered the roof replacement and repairs to my kitchen and walls. Without his intervention I’m sure they would have given me nothing but a headache! I recommend him to anyone who has to deal with an Insurance company! He went the extra mile to make sure all steps were covered and the customer is reimbursed accordingly and justly. I would give him 10 stars if I could!
I have worked with Good Claim for quite some time and what strikes me the most is how much they truly care about each individual homeowner. Unlike many other public adjusters, Good Claim does not let their claims sit without any action. They are persistent, thorough, professional, and highly effective. As a fellow business owner, who I choose to recommend is a direct reflection of my brand – I am always proud to recommend Good Claim to my clients when they are in need of a public adjuster.
Frank and Tabitha have consistently delivered results for me and my clients. I would highly recommend Frank to anyone seeking a reputable adjuster who has the knowledge it takes to get you the most out of your claim.
This company is attentive and easy to work with. They make the process stress free. Good Claim is definitely trustworthy and I highly recommend them.
Frank was great to work with through this major natural disaster, Hurricane Irma. If you think an insurance company has your best interest, think again. My insurance company issued an initial check to me that would not have repaired 1/3 of my damage. It was a laughable amount. I would use Good Claim Public Adjusters again. I am grateful for the work Frank did for my family.
Following Hurricane Irma, the clean up process was extensive. What I did not realize was the task I would face getting the insurance company to pay attention to the situation I faced. Were it not for the thorough attention to detail by Frank and his team, my settlement would have been substantially less; if there was a settlement at all.
We had filed a claim with our insurance company regarding the excessive shingle damage to our roof due to wind. Here is a surprise–it was refused and we were staring at a bill of over $25,000.00 for a new roof. Frank was introduced to us and only because of his ability, professionalism, and follow up were we able to get a new roof while only costing us our deductible. Frank is very knowledgeable about the workings of the insurance companies. He knows what and how to ask questions and address the claim so it gets paid. You can trust Frank Evans and we are very happy to recommend him.
He is very knowledgeable. He follows through on his commitments. Frank is very responsive.
I personally have worked with Frank on multiple claims. He is very professional and knowledgeable in his field.