“Just another day in Paradise!” is a common phrase to hear when you live in sunny, tropical Florida. However, living on a beach-lined peninsula has its downsides, including hurricanes and tropical storms. To live in Paradise, you risk great damage to your home and property, which is why it is essential to own property insurance and flood insurance. If disaster strikes and you need to file a claim, Ocean Point Claims will make the process much smoother for you, fighting to get you every dime you deserve.
Storm Property Damage Claims
Insurance claims stemming from weather events are the most common property damage claims filed in the state of Florida. Hurricanes (and the tornadoes that often accompany them), tropical storms, wind storms, and hail storms are usually the cause of these claims. Call us at (888) 824-1306 before you call the insurance company if you need to file any of these claims!
Water and Roof Property Damage Claims
If you have lived in Florida for a while, you may remember Tropical Storm Fay. She loved Florida so much, she visited us four times, each time staying for an extended period. Those extended stays left a mark in the form of massive flooding in several areas, and ultimately $560 million in damages. The people who didn’t get their damages covered are the ones who didn’t use a public adjuster to fight for them. It doesn’t need to be a big storm to cause a flood- they happen all the time in our sea-level state.
Other water damage concerns include plumbing defects (old copper pipes eroding, water heaters bursting, clogged and inefficient drainage systems, etc.) – these can be some of the most frustrating times a property owner goes through. We’ll take care of the logistics and make sure the job gets done right.
Roof damage is also a common issue in Florida, and if you want your roof fixed properly, we have the technology to detect where all of the damage is, so you’re not wondering if it’s “really” fixed. Insurance companies often miss damage that we find… we really are that good!
Mold Property Damage Claims
A lot of people live in Florida because it’s pretty much always warm. That’s also why mold lives in Florida. If you have water damage (mentioned above) that isn’t properly addressed in a timely manner, then you most likely have mold damage to go along with it. When mold damage claims are filed, the insurance company decides whether or not to cover that claim based on the source of the mold. When you call Ocean Point for a mold damage claim, we will work with professional remediation companies who will take samples to perform mold testing, so we will get you the documentation you need to get the full settlement from the insurance company.
Sinkhole Property Damage Claims
Sinkholes are more common in Florida than any other US state, due to the limestone and dolomite base beneath our ground surface. The limestone or dolomite dissolves from slightly acidic ground water and rain water, and eventually a sinkhole develops. The problem is more common in certain areas. The top 10 counties in Florida for sinkholes are:
- Pasco County
- Hernando County
- Hillsborough County
- Marion County
- Pinellas County
- Citrus County
- Polk County
- Orange County
- Seminole County
- Lake County
If you’re worried that your property may be affected by a sinkhole, some warning signs include:
- Doors and windows that will no longer properly close
- Cracks in floors, ground surfaces, walls, or pavement
- Exposed foundation (that was not previously exposed)
- Exposed tree roots, spongy or soft areas in the lawn, or depressions in the ground
Sinkholes can be very dangerous and can destroy buildings or cause extensive damage to a building’s foundation, so if you think you may have a sinkhole, call us right away at (888) 824-1306.
No matter what the damage is or where it came from, Ocean Point is here to make sure you get your full settlement. Call us before your insurance company if you need to file any type of claim! (888) 824-1306
