PUBLIC ADJUSTER SERVICES

Weather-related property damage includes that from rain, hurricanes, tornadoes, flooding, lightning, hail, and wind. Weather-related property damage insurance claims are among the most frequent, even in Georgia. Claims submitted resulting from Hurricane Michael alone in South Georgia were record breaking. Of those, insurance companies denied 32%. (many of which could be paid if the property owners had proper representation). As with any claim, make sure you document the damage, keep damaged materials, and log conversations with your insurance company.

Non-weather-related property damage includes that from fire, fallen trees, air conditioning leaks, water heater leaks, sewage backups, and mold. Other examples include damage resulting from appliance broken pipes or malfunctions and leaks from one condominium unit to another. These types of property insurance claims are also very common in Georgia. 

Water leaks and sewage backups are common causes of property damage. Supply lines with incoming water can break or develop holes, releasing anywhere from a few gallons to thousands of gallons into the property. Toilets can overflow and do the same thing. Drain lines, which are often made of cast iron can break or fail and become blocked and can cause waste water to back up into your property. Contact us if you have signs of water damages such as: water coming through the floors, walls or ceiling; drains, toilets and showers backing up or not draining properly; swollen wood or laminate flooring; cracked or tenting tile flooring; bad smells; in condominiums, water coming into your unit from the unit above or from the common areas; or mold that seems to appear for no reason. We can help you determine if your insurance company is responsible for the damage and repair. Insurance company denied your claim? Do you know how much you could be losing? Don’t let them deny your claim without a second opinion from us. 

Mischief-related property damage includes that from theft, burglary, and vandalism. Stolen AC compressors, art theft, graffiti, damage from renters, and cargo theft are a few examples. Although less common, these types of property damage insurance claims also frequently occur in Georgia. Unfortunately, insurance companies often deny these claims. That’s when you need us to help.

Is your home out of commission? You may be entitled to be paid for your out of pocket expenses and for the cost of renting another home while yours is being repaired.