How to File a House Damage Claim in South Florida

Someone or something has damaged your property in South Florida and now you’re wondering what to do. The first thing that should be done is to file a property damage claim. Before doing so, it would be smart to call a lawyer in order to figure out the logistics of the claim and have them speak to the insurance company. A lawyer can help provide the best advice when you file a house damage claim in South Florida.

One of the most common types of property damage occurs when a driver causes an accident or direct damage to a piece of property. If this is the case, you would file a house damage claim with the at-fault driver’s insurance company. If the vehicle that was used to cause the damage is also severely damaged, they would need to file a claim with their insurance company.

A house damage claim in South Florida can be covered by liability, collision, or comprehensive insurance. The coverage will depend on what type of accident has occurred and what was damaged as well. As an example, if a house were damaged due to fire or theft, homeowners’ insurance or renters’ insurance may cover these damages. If the damage is caused by a vehicle, then liability, collision, or comprehensive insurance can cover damages. 

Reliant Adjusters has been helping people file a house damage claim in South Florida for years. We also help with a number of other claims as well, from theft to water damage. With our wealth of experience, we wanted to help guide you through the process of filing a house damage claim in South Florida.

House Damage Claim in South Florida

Steps in Filling a House Damage Claim in South Florida

No matter how the damage is caused, whether it’s natural causes or a car accident, there are a few steps that need to be completed in order to file a house damage claim in South Florida.

  1. Report the House Damage to the Insurance Company

The first, and most obvious, step that should be taken is filing the damages to your insurance company, whether it’s homeowner’s insurance or renter’s insurance. Before beginning this step, it’s wise to speak to a lawyer first since they can help you gather the right evidence and speak to the insurance company in the best way possible. This can help you get the most compensation for the damages to your property.

  1. File a House Damage Claim in South Florida

Next, you will want to file a claim with your insurance company or, if the damages are caused by someone else, their insurance company. You want to file these claims as soon as possible. In the state of Florida, you have four years to file a house damage claim but you want to file it as soon as possible so you can defend your case easier and repair your home.

  1. Work with an Insurance Adjuster

After your claim has been filed an insurance adjuster (like Reliant Adjusters) will be assigned to your case. The purpose of the adjuster is to assess the damages and give you a settlement estimate. They are also there to help assess who caused the accident and who, if anyone, is at fault for the damages. This is why it’s important to take as many photos and videos as possible when an accident happens.

  1. Finalize the Payout of the Claim

After the adjuster makes a settlement, you will finalize the payout given from the insurance company and sign a release stating that you will no longer pursue this claim. If you feel that what you getting isn’t fair, decline the settlement and call a lawyer to help get a better payment.

This is a brief overview of what to do when filing a house damage claim in South Florida. Depending on what damage has occurred, it can change what needs to be done. Know that you’re never alone when going through this process. Reliant Adjusters is here for you and wants to help you get the best settlement possible for your damages. If you have any other questions or need help getting a settlement, visit our contact page today!



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