Home water damage can occur in a variety of circumstances — often times it is very damaging to your home or property. In the case of home water damage, following the correct procedure for an insurance claim can save you a lot of money, time, and stress. Public adjusters at Molina Rangel are here to help you during the process so you can get the most from your policy and get back to normal life. We can represent you during a claim so you can get the funds you were offered when you signed a contract with your insurance policy. When dealing with home water damage, it can be difficult to discern what it considered “water damage” by insurance companies. According to insurance companies water damage relates to:
Leaking roof or lock replacement
Escape of water from any domestic water or heating fixtures
Escape of water from any kitchen or home appliance — including dishwashers, refrigerators, fish tanks, and more
Events other than those listed above are not considered water damage by insurance companies, so take caution when starting a claim. In addition to helping you file a claim, Molina & Rangel will help you go back to the beginning to discover whether there are any details you may have left out or forgotten that could be useful to open a claim. Because of our many years of experience, we are able to analyze the situation and find specific details that would support starting a claim. We can visualize the entire situation during water damage incidents and we can find details that you probably missed but are useful for a claim. Our experience guides us to analyze and find specific details you probably did not notice that can be used to start and support a solid claim.
During our preliminary discussion with clients, we generally ask for a complete description of the situation. We will then be able to figure out what happened and how it happened. Although it may seem as if we are digging deep and asking pointless questions, it is critical that we know every detail so we can build a stronger claim. During our discussion, we will be able to pinpoint specific facts that can help earn you more compensation for your claim. Call Molina & Rangel Associates today for claims assistance for home water damage.
No Claim, No Gain
During our talk with clients, we usually ask about a complete description of the situation. And during those talks, we begin to figure out how the event happened and we infer the causes. When you engage in the conversation with us, you probably will provide us more information than you though before; and this is because with our skills and experience, we already know some common factors in water damage events. For example, many insurance policies do not mention anything about water sprinkles or fire emergency systems as causes of water damage; but they should! They spread water; anyway…they can be broken any time and produce water damage. Then suppose that you just had damages at home derived from a broken fire emergency system and you just merely read your policy without the assistance of us, and you found anything about coverage from broken fire emergency system, then you would never claim that damage.
Our Expertise Can Make a Difference
One of the main reasons the help of a public adjuster extremely necessary during home disasters is because insurance companies often provide vague and overwhelming information, which clients have difficulty digesting. With our assistance, you can rest assured that you are in the best hands — we are working hard to get you the compensation you deserve. Home water damage is stressful enough as it is — let us handle all of the fancy terminology and information involved with the claim!
Now that you have decided to hire Molina & Rangel Associates as your public adjuster , the claim process will be in our hands. We will gather all information required to initiate a claim. Our experts will thoroughly inspect your current insurance policy in order to understand all of the nuances and parameters. OWe are going to gather all the information required to develop a good process. We always make sure to inspect every detail with a fine-tooth comb to ensure we did not miss anything that could possibly put you in a favorable position. It is important to us that we provide you with the best outcome, so we will make sure not to skip any of these critical steps.
Before we present the claim to your insurance company, our team will conduct a meeting with you to explain the entire process and get your approval. After this meeting, we will follow-up on your claim. If, by chance, your insurance company denies the claim, we have the ability to collect elements of the claim, sift through the evidence and the case itself, and find new details that may change the outcome and create a successful claim. As a final step, we will consult you about whether you want to accept the claim or settle. Our team does not proceed until we have your approval. After you have made your decision, the process is complete!
At Molina & Rangel Associates, we feel as though we possess some unique qualities that differentiate us from our competitors. Not only are we successful in getting you compensation, but we approach every situation with a positive attitude — we are always looking for new opportunities and ways to improve your claim. Our company truly strives to help each of our clients create successful claims and walk away with their well-deserved compensation.
We provide a fast solution to home insurance claims. We understand that getting your compensation is urgent, so we make it our mission to wrap things up as quickly as we can, while creating a solid claim and providing you with the best service. Because of our extensive backgrounds as public adjusters, we are able to get the ball rolling on creating a claim as soon as you contact us. We know exactly what to look for and where to find it so that we can get you your money faster. Contact Molina & Rangel today for fast, effective, and friendly claims assistance.
We Walk With You to Start the Claim for Water Damage
If you have recently become a victim of home water damage, there are some tips that are important to follow. Although we are here to assist you through the entire process, we provide these tips because we believe it is important for you to have some knowledge before starting a claim. Read on to find our best tips for clients experiencing water damage:
- Contract a professional to fix the damages immediately. Be sure they provide you with a receipt for the services.
- The contractor must provide you with a written explanation of the work carried out.
- You are responsible for the work performed by the contractor, so you must retain any damaged materials/goods in order to demonstrate future claims.
- If the damage/repairs are covered by your policy, they will reimburse you for the agreed amount less any policy excess.
There are two possible reasons you might need a fast result for your claim. If you have not started restoration on your home for water damage and you need money quickly to get back to normal life, you need a fast claim. If you have already contracted a professional to carry out repairs and owe them money, you may also need a claim processed quickly. In both of these situations, Molina & Rangel Associates is here to help you move quickly through the insurance claims process from start to finish.
There are some situations in which insurance companies will refuse to pay you. Below we have listed some common reasons that our clients’ insurance companies have denied them compensation.
If you are in any of the following situations, your insurance company may refuse to pay you:
- Your home was unfurnished or unoccupied for more than 30 consecutive days.
- Damage is done to any fixed domestic water installation, heating installation or appliance from which the water escapes.
- Damage is done to tiles, walls, floors and ceilings caused by the gradual leakage or seepage of water from all fixed sanitary ware units including baths and shower units.
- You are making a claim for damages caused by wear, tear or gradual deterioration.
Contact Molina & Rangel for a free claim analysis or inspection if you have recently experienced home water damage!