Wind Damage? Hire the Best Public Adjuster in South Florida for Maximum Benefits

If your home has been damaged due to a wind in Florida, it is you – not the insurance adjuster – who must prove damages. In order to reach the best outcome for benefits after your property has been damaged by wind, fire, hurricane, hail, or plumbing issues, you must seek the help of a public adjuster South Florida.

Wind damage can occur as a result of a violent storm, hurricane, or tornado. The damage caused by these storms can be especially serious; therefore, it is sometimes difficult to prove whether wind or water was the culprit of the damage.   

Indications and Reprocussions of Wind Damage

• Missing Roof Shingles: If shingles are badly damaged or missing from your roof, your home may become exposed to more damage as a result. Shingle damage can cause leaks, mold and other issues, causing even further damage to your property.


• Missing/Damaged Gutter System: If the gutter system is missing or badly damaged, you could experience damage to your siding and foundation. Gutters should be replaced as soon as possible to prevent additional damage.


• Damaged Windows: Broken, cracked, or missing windows and screens can pose serious safety risks to you and your family. 


• Broken or Missing Fences or Enclosures: One of the most difficult damages to prove to the insurance company is a wind damaged fence or other enclosure. With an experienced public adjuster on your side, you can rest assured the necessary evidence will be collected to prove this type of damage.

In most wind damage cases, the interior of the home has also been damaged, the public adjusters with Equitable are here to help you get the compensation your deserve from your insurance company after the storm. Please contact us today to find out how our 50 years of experience in the public adjuster field can help you attain the maximum benefit amount for your storm, fire, or plumbing damage.

Wind Damage? Hire the Best Public Adjuster in South Florida for Maximum Benefits

Fire Damage? Call a Public Adjuster

The most recent data from the U.S. Fire Administration shows that in 2011, residential fires cost more than $283 million in damages across the nation. However, residential fires declined in the five year period between 2007-2011 by twenty percent. Declines were also seen in the number of deaths, injuries, and in economic loss.

While a decline in nation’s residential fires and associated damage is definitely a positive trend, a residential fire is certainly nothing to cheer about. If your West Palm Beach Florida home has been damaged by fire, you need a public adjuster on your side before you file a claim with your insurance company. Insurance companies are in business to make money. Part of the way they make money is by settling your claim for the least amount of money as possible. However, a public adjuster is able to use his or her experience with the insurance industry to advocate on your behalf for the maximum amount you can receive with your settlement.

Equitable Public Adjusters has more than fifty years of successfully handling insurance claims on behalf of our clients. We will prepare your documentation and help you with determining an estimate of the damage. We will then negotiate on your behalf for the best settlement available to you. What’s more — if you don’t receive the money you deserve, we won’t charge you any fees.

Without a doubt, fire damage to your home is a devastating thing. The cost of replacing your valuables can be thousands of dollars. Let us help you get the money you need to start again. For more information, contact us.

Fire Damage? Call a Public Adjuster

Fire Damage? Call a Public Adjuster

The most recent data from the U.S. Fire Administration shows that in 2011, residential fires cost more than $283 million in damages across the nation. However, residential fires declined in the five year period between 2007-2011 by twenty percent. Declines were also seen in the number of deaths, injuries, and in economic loss.

While a decline in nation’s residential fires and associated damage is definitely a positive trend, a residential fire is certainly nothing to cheer about. If your West Palm Beach Florida home has been damaged by fire, you need a public adjuster on your side before you file a claim with your insurance company. Insurance companies are in business to make money. Part of the way they make money is by settling your claim for the least amount of money as possible. However, a public adjuster is able to use his or her experience with the insurance industry to advocate on your behalf for the maximum amount you can receive with your settlement.

Equitable Public Adjusters has more than fifty years of successfully handling insurance claims on behalf of our clients. We will prepare your documentation and help you with determining an estimate of the damage. We will then negotiate on your behalf for the best settlement available to you. What’s more — if you don’t receive the money you deserve, we won’t charge you any fees.

Without a doubt, fire damage to your home is a devastating thing. The cost of replacing your valuables can be thousands of dollars. Let us help you get the money you need to start again. For more information, contact us.

Fire Damage? Call a Public Adjuster

Public Adjuster in Florida Talks about Condominium Insurance Conundrums

If you are over the age of 30, there is a good chance that you’re already familiar with the term “snowbirds.” For those that aren’t, it’s the word used to affectionately describe the millions of Americans that migrate from cold climates to the welcome warmth of the Sunshine State. Once the snowbirds arrive, many opt to invest in a condominium, which poses its own insurance conundrums. So that’s the topic that our public adjuster in Florida wanted to briefly cover today.

Unlike other seasonal arrangements, condominium living often requires investors to purchase multiple insurance policies. Otherwise, they could end up without sufficient coverage. For starters, most condominium ownership agreements require investors to purchase what’s known as a master policy.

A master policy comes in different forms. However, most can be divided up into two categories, all-in and bare walls-in. The all-in insurance policies tend to cover the building’s interior common areas, fixtures, additions and installations. The bare walls-in insurance policies typically cover nothing more than the building’s exterior/interior framing. Generally, neither type of master policy covers the investor’s personal belongings, condominium unit, unit upgrades, bodily injuries or legal liabilities to others. That’s where the need for other insurance policies comes in.

In most instances, Florida snowbirds that invest in a condominium will want to purchase a basic insurance policy plus add-ons that cover at least five key things. Those key things are water/sewer back-up damages, unit assessment costs, umbrella liability, expensive belongings and damages caused by natural disasters. As far as the disasters go, our public adjuster in Florida would recommend that investors consider covering all of the bases. That includes obtaining flood, wind, sinkhole, hurricane and earthquake coverage.

Of course having all of those different types of insurance policies can make it time consuming, confusing and exasperating to file an insurance claim. As such, condominium owners faced with such a task would do well to contact our public adjuster in Florida at (877) 869-8989. We can help Florida’s condo owners through the claim filing process and argue with the various insurance companies on a condo owner’s behalf.

Public Adjuster in Florida Talks about Condominium Insurance Conundrums

Public Adjusters in Florida Talk about Solving Cold Water Condensation Woes

As public adjusters in Florida, we tend to frequently find ourselves involved in discussions about plumbing disasters and water related insurance claims. One of the issues that tend to crop up often in the Sunshine State is cold water pipe condensation.

Cold water pipe condensation is actually a common problem in many areas around the world. Considered to be a natural occurrence, it tends to take place most often in commercial, industrial and residential applications that utilize copper and cast-iron pipes. It is caused when the air temperature around the pipe dips below the dew point.

When that happens, the water vapor that is inherent in the air turns to a liquid state and appears onto the cold water pipe’s surface. If left like that, the water can transfer to other areas and create problems. The list of problems includes the formation of rot, mold and mildew as well as the exacerbation of heat gain and insect infestation.

On a high note, cold water condensation problems are not insurmountable. They can be prevented with the use of rockwool sectional pipe insulation. It has several things going for it including a 150mm thickness, great hydrophobicity and an inherent ability to resist both fungi growth and unwanted wildlife.

To fix the problem, the rockwool sectional pipe insulation traditionally gets fitted around the cold water piping. Once it is in place, the rockwool sectional pipe insulation’s natural thickness helps to keep the surrounding air temperature from falling below the dew point. Thus, condensation is less apt to form on the pipes.

The pipe insulation is also often used in conjunction with other methods designed to decrease cold water condensation. The list of corrective methods includes using a dehumidifier, digital humidity gauge and a box fan to keep the area’s humidity level at 55% or lower. Some people may choose to coat the surrounding areas with a waterproofing substance, install heating elements and add additional ventilation as well.

If a building’s cold water condensation problem is discovered after the damage has already occurred, our public adjusters in Florida can assist property owners with filing an appropriate claim amount. It’s important that care is taken in coming up with the amount because cold water condensation related damage is not always visible to the naked eye.

To learn more about how we can help resolve cold water condensation related claims with Florida insurance companies, please contact our public adjusters. Our public adjusters in Florida may be reached through the Equitable Public Adjuster’s website chat feature or by calling (877) 869-8989.

Public Adjusters in Florida Talk about Solving Cold Water Condensation Woes

NY Independent Insurance Adjuster Talks about Super Bowl 2014 Concerns

Football fans in New York are without a doubt gearing up for Super Bowl XLVIII. This is especially likely to be the case for those living near MetLife Stadium. If you happen to be one of them, don’t let all of the fan frenzy cause you to forget about crucial issues like insurance coverage and legal precedence. Here’s why:

Nowadays, property owners that host Super Bowl parties need to be concerned about more than whether or not there is enough Cheese Whiz, chips and ice to make it through half time. They also need to be mindful of social host or dram shop liability. It is a legal concept that may make New York Super Bowl 2014 hosts both civilly and criminally liable for certain damages caused on behalf of their intoxicated guests. We should mention that in some areas of the state, the law covers guests of all ages. In other locations, it may only apply to underage, Super Bowl party attendees.

It isn’t the only insurance issue that can wreck havoc on a New Yorker’s Super Bowl plans. The Insurance Information Institute also notes that peer-to-peer rentals, overnight guests, onsite injuries, theft and vandalism related issues can also cause football fans a good deal of consternation.

With that in mind, our independent insurance adjusters urge New Yorkers to become familiar with their area’s social host laws and review their homeowner’s insurance policies. The ideal way to do that is to speak with a county attorney and your insurance company representative. That way, you can feel confident that your Super Bowl shindig won’t put you on the wrong side of an insurance claim or the law.

Our independent insurance adjusters would also like to encourage New Yorkers that need to file a Super Bowl 2014 insurance related claim to contact us at (877) 869-8989. Remember, we are on your team and can help significantly level the playing field when it comes to damage recovery.

NY Independent Insurance Adjuster Talks about Super Bowl 2014 Concerns

Public Adjuster in New York Discusses Winter Roof Collapse Issues

There are many more weeks of potential snow storms in front of us and our public adjusters in New York know what that means. The back breaking task of keeping one’s property safe from Mother Nature’s worst is apt to continue. One of the issues that New Yorkers may have to handle in that regard is the potential for roof collapse.

According to the Insurance Institute for Business and Home Safety’s research, as little as 2.1 feet of snowfall could cause a New Yorker’s roof to collapse. The level of risk all depends on the type of snow, the snow load, the type of roof and what condition it’s in.

In general, packed snow and ice tend to be the most worrisome because they can apply more than 20 pounds of pressure per square foot to a New York building’s roof. The amount of pressure per square foot that a roof can withstand safely varies based on several factors, including the age of the building and where it is located. However, the roofs of many buildings in New York cannot bear much more than 20 pounds of pressure.

New Yorkers curious as to exactly how much pressure their buildings’ roofs can withstand should consider checking out four resources. Those resources are the Structural Building Components Association, the International Building/Residential Codes, the American Society of Civil Engineers and the building company responsible for the dwelling in question’s construction. They tend to have access to such critical information.

To prevent a roof from collapsing, our New York public adjusters would like to stress that it’s important to periodically remove some of the pressure. This can typically be done by a property owner with the aid of a roof rake. It’s also obviously a great idea to keep one’s roof structurally sound year round. That will generally require the use of a licensed, bonded and insured contractor. Performing both tasks is likely to minimize the property owners’ risk of experiencing a winter roof collapse.

Our public adjusters in New York want to emphasize the value of reviewing one’s roof collapse coverage as well. After all, some homeowners’ or commercial insurance policies do not cover roof collapse damage claims, roof replacement and temporary relocation costs.

Property owners that take all of the necessary precautions but still fall victim to a winter roof collapse should consider contacting our New York public adjusters. They can help file roof collapse claims and much more. To uncover additional details about how public adjusters in New York can help property owners deal with winter roof collapse related claims, please contact us at (877) 869-8989.

Public Adjuster in New York Discusses Winter Roof Collapse Issues