Be prepared when it comes to insurance claims.
Knowing exactly when—and how—to file can save you from potential policy cancellations, premium increases, or claim denials. Whether you’re dealing with minor damages or a large-scale loss, our team is here to help guide you every step of the way—so you can protect your home, your family, and your peace of mind. Below are a few key points to keep in mind before you submit a claim.
Evaluate Your Deductible
Before filing a claim, check if the cost of damages exceeds your deductible. If the repairs are minimal, covering them out of pocket could protect you from premium hikes in the future.
Understand Policy Impacts
Consider how a claim might affect your policy rates. In Florida, frequent claims or certain types of losses can lead to substantial increases or even policy non-renewal.
Risk of Cancellation
Multiple or severe claims on your record can raise a red flag with insurance carriers. Remember that claims typically stay on your record for five years, and many carriers are wary of homes with prior claims.
Seek Professional Guidance
Rather than contacting your insurance company right away, reach out to us for expert advice on how to proceed. We’ll help you determine whether filing a claim is truly in your best interest.
Call Joe Taylor for Water or Smoke Damage
If you experience water or smoke damage, getting professional assistance early can make a huge difference. Joe Taylor can help you mitigate damages before officially filing a claim—potentially preventing policy denial or non-renewal.
https://www.jtrestoration.com/
Document Everything
Take clear photos of all damages as soon as possible. Keep receipts for temporary repairs you make—these could strengthen your claim and speed up your reimbursement.
Don’t Discard Damaged Belongings
Especially after a hurricane or major storm, do not throw away items you plan to claim. Your insurance adjuster may need to inspect these belongings to confirm your loss.
Contact us for assistance.
Davie, FL
5641 Orange Drive, Suite B
Flagler Beach, FL
712 S Ocean Shore Blvd
Phone
(954) 791-2261
Office Hours
Mon – Friday: 9am – 5pm
Do you need any help?
Let’s chat and discover how we can help you