Knowing your rights may be the difference between a claim paid and a claim denial.

What do you do when you know your property has been damaged but the insurance company adjuster "just doesn't see it"?

One of the most destructive forces in nature is water. A sudden pipe break can be overwhelming, quickly covering the entire floor of your home. A waste pipe or drain failure can cause considerable damage to your home long before you are aware a problem exists. Either way you have a plumbing issue thats needs to be handled right away.

Water damage can lead to mold, which can cause serious health problems. Also, the insurance company requires that you protect your property from further damage once you have discovered the problem. The adjusters at Capital Public Adjusting will provide contractors to detect the source of the problem, stop the water and dry out your home. We will then assess the damage. We will have your home in Sea Ranch Lakes tested for mold if necessary, obtain a protocol for mold removal if required and write a full estimate of repair.

We will ensure that your housing and other expenses are covered should it be necessary for you to move out of your home and that you are aware of the limits of this coverage. Our adjusters will closely examine your furniture, clothing and home contents, checking for and identifying subtle water damage. We will identify kitchen cabinets that are damaged in areas that are not easily spotted and doors and drawers that may have warped from exposure to high humidity.

Some water damage may not reveal itself for days, often after the insurance company adjuster has completed the inspection. Our involvement in your water damage claim ensures that your property is protected and your home is returned to its pre-loss condition.

Under most homeowner policies, property that is vacant or unoccupied for more than 30 days will not be covered for plumbing water damage unless the water has been shut off.

Capital Public Adjusting has been able to dramatically increase property insurance settlements well in excess of our contingency fee. Why go it alone when you can have your own, highly trained Public Adjusting company that pays for itself?

You may find the following links helpful:

• If you've sustained damage from flooding, please visit Flood damage claims in Sea Ranch Lakes
• For information on claims regarding Commercial Loss, visit Commercial Loss Claims in Sea Ranch Lakes
• For claims involving the H08 Policy, please visit Beware the HO8 Policy
• For damage claims resulting from non-hurricane/non-tornado winds, please visit Hail, Wind, Storm damage in Sea Ranch Lakes