Hurricanes are a fact of live that comes with living in Florida. Hurricane Wilma, which struck South Florida in 2005, had sustained winds of 120 mph and caused over $20 billion dollars’ worth of damage. Winds and heavy rain from hurricanes can wreak havoc and property and cause roof leaks, flooding, broken pipes, and countless other hazards that can damage your home.
Damage caused by hurricane and tropical storm force winds can cause extensive damage to the roof and other parts of the home. Often time’s damage is hidden, and therefore becomes worse over time, causing a small leak to turn into extensive damage.
All of our TopLine Claims Services licensed Public Adjusters are trained to inspect your property fully to ensure that all damage, both visible and hidden, is uncovered in a timely manner. Our agents will work with you to navigate the claims process step by step and ensure that you are properly compensated for all damage incurred due to these destructive weather events.
Our Services /
Types of Claims:
Water Damage Claims
Water damage is one of the most common types in property insurance claims, especially in Florida where heavy rains or a broken water pipe can wreak havoc on your property. There are many causes of water damage that include: a faulty hot water heater, an overflowing toilet, shower pan leak, a collapsed drain line, an appliance malfunction, a break or leak in the hoses that connect to the washing machine, roof leaks, or leaks from an old copper pipe.
The insurance company will send out an adjuster to evaluate the damage to make sure that the homeowners’ policy covers the damage, as well as to ensure that the damage does not continue to progressively get worse. It is extremely important to have a TopLine Claims expert inspect your home to navigate your policy to ensure what is and is not covered by your policy.
Often times with water damage, there are often times hidden damage to be uncovered, damage that might be the root cause of the leak or damage that is making a bad situation worse. Since the adjuster sent to the property by your insurance carrier has a goal of paying as little as possible, having a licensed expert examine the damage is imperative to a fair settlement.
Fire Damage Claims
Fires can and do happen and are often times unexpected. The damage can be extremely destructive and long lasting. In addition to the fire itself, there is often extensive damage due to smoke, soot, and even the water that is used to extinguish the fire, rendering your home unlivable.
If your home has sustained damage due to a fire, it is imperative to have an experience Public Insurance Adjuster representing your fire insurance claim. Your TopLine Claims Services agent will negotiate with your insurance carrier to ensure you receive a fair settlement that will cover all the costs associated with repairing the damage.
Mold Damage Claims
Mold is a major issues throughout the state of Florida. The high levels of moisture and humidity in the air makes our properties at a greater risk for damage caused by mold. Mold damage can often times be hidden since it can often be hidden behind appliances, cabinets, and walls. Once mold becomes airborne, it has the potential to cause a series health risk to individuals residing in the property.
A mold insurance claim can be one of the more complex types of insurance claims. Most insurance policies have a mold exclusion or a cap in the amount of coverage in the policy. It is very important to have a licensed expert determine the cause of the mold and take steps to ensure all the mold is removed.
Mold damage requires very careful evaluation. Even the slightest presence of mold should never be taken lightly. If you suspect mold to be in your home, please contact TopLine Claims Services immediately so that we can ensure the health risks can be mitigated as soon as possible.
Flood Insurance Claims
Floods are very common, especially in Florida, and can cause extensive damage. There are a number of causes of floods, from heavy rain due to storm to a broken water pipe. In addition to damage to floors and personal property, floods can pose a whole host of additional risk from mold to cracking in the foundation of a home.
Flooding in the home can cause extensive damage, and it is important to have a licensed professional take a look at the damage and navigate the complex claim to make sure that you are properly compensated for the damages sustained.
Roof Leaks and Roof Damage Claims
Roof damage can come in many different forms. Damage can include leaks, damage sustained from lightning strikes, broken roof tiles, and a compromised drip. Roof damage is especially common in South Florida due to the Spanish tile roofs that are commonly found in the area.
The source of the damage to your roof, the material that was used in the construction of the roof, and the structural design of the roof are all factors which can determine the source of the damage and how the repairs should be made.
Our TopLine Claims Services agents are very well versed in roof damage and can offer a free inspection to determine the root cause of the damage and whether the cause is covered by your insurance policy.
AC Leaks & Appliance Leaks Claims
A leak that has originated from Air Handlers are very often seen in Florida due to extreme heat and humidity. The drain lines from the A/C unit are often seen running through the ceiling or behind the walls. Leaks from the A/C drain line have been known to cause extensive damage to walls, baseboards, and the ceiling. The moisture from the leak can often cause mold that is hidden behind the walls or baseboards.
As the damage is hidden, sometimes the damage goes unnoticed causing more harm to the property. Even if the damage seems small, it is very important to have a TopLine Claims expert take a look at the damage to determine if there is additional damage hidden. Out TopLine Claims licensed professionals will inspect the damage and walk you through the process to determine the best course of action to ensure that you are compensated for the damage.
Sewage Backup & Plumbing Issues Claims
There are times where a break or leak in a sewer drain line can cause an overflow of water and sewage into your property. These overflows have been known to cause damage to any location along where the drain line runs. Drains lines can run through walls, baseboards, cabinets and even vanities.
Sewage backup and plumbing claims are often tricky because policies, endorsements, and exclusions change all the time, which makes it crucial to have a licensed professional go over the policy to determine what damage is covered.
A TopLine Claims Services licensed professional can help navigate the policy, as well as coordinate getting a plumbing expert out to your property to ensure that the damage is mitigated as quickly as possible.
Flooring Insurance Claims
Floor damage happens all the time in Florida due to all the previous hazards listed here. Water damage to the flooring can be a symptom of much greater hidden damage that can very easily go unnoticed by a non-professional. A licensed professional is required to determine the extent of the damage, the root cause, and how best to stop the damage from becoming a larger problem.
Our TopLineClaims experts are happy to come out to your property to offer a free inspection of the damage and consult you on the best way to proceed to mitigate the damage, and ensure that you are properly compensated to cover the costs associated with repairing any damages.
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Other Types of Claims
TopLine Claims Services can help you will all type of claims including: