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Do You Need To File A Homeowners Supplemental Insurance Claim?

Do You Need To File A Homeowners Supplemental Insurance Claim?

Find Out If You Need A Supplemental Insurance Claim To Rebuild Your Home

Supplemental insurance claims are growing more and more common among homeowners and property owners in Bay County, FL.Β  In fact,Β  more than 50% of the time,Β  insurance policyholders are forced to file a supplemental insurance claim, because their insurance company doesn’t give them enough money to cover the damage of their home or property. With this in mind, we believe that homeowners should have the best knowledge to make the best decisions about their property damage. Therefore, we have teamed up with our professional team of licensed publicΒ adjusters to help you find out everything that you need to know about filing a supplemental insurance claim. Trust us. This is the perfect article if you’re wondering:

  • What is a supplemental insurance claim?
  • How long do you have to file a supplemental insurance claim in Florida?
  • What are the limitations of filing a supplemental insurance claim?
  • How do you file a supplemental insurance claim?

Take a few minutes to read this article. Once you’re done, let give our licensed public adjusters a call.

Are you ready? Let’ s get started!

What Is A Supplemental Insurance Claim?

Supplemental homeowners insurance claims are additional insurance claims filed after a previous insurance claim has been filed. According to the 2018 Florida Statutes 627.70132, insurance policyholders have 3 years to file a supplemental homeowners insurance claim for hurricane damage. In most cases, supplemental insurance claims are beneficial for insurance policyholders who need more money to restore their home.

Even if your local contractor starts to find more damage to your home during repairs, you can file an additional supplemental insurance claim. Here is an example of what an insurance claim is.

Hurricane Michael falls in Bay County Florida in 2018 causing damage to your home. Therefore, you immediately contact your insurance company, which inspects the damages to your home in a timely manner. After sending an insurance adjuster to your home, your company finds damage to your roof and door. Next, your insurance company disburses a settlement check to cover the damages to your home. You make the necessary repairs. In 2019, you realize that there’s still more damage in your home due to Hurricane Michael. As a result, you contact your insurance provider about the damages. Once you contact your insurance company about the damages, your insurance company will label it as a supplemental insurance claim?

How Long Do You Have To File A Supplemental Insurance Claim in Florida

Insurance policyholders have 3 years to file a supplemental homeowners insurance claim. The Florida Statutes state, β€œ The 2018 Florida Statutes 627.70132 Notice of Windstorm or hurricane claim.- A claim, supplemental claim, or reopened claim under an insurance policy that provides property insurance, as defined in s.624.604 for loss or damage caused by the peril of windstorm or hurricane is barred unless notice of terms of the policy within 3 years after the hurricane first made landfall or the windstorm caused the covered damage.” This is important because most insurance policyholders believe that insurance companies first settlement is their last settlement. Which is not true at all. Insurance policyholders have the right to negotiate for a higher settlement.

Insurance Companies Set Limitations on Supplemental Insurance Claims

If you’re considering filing a home supplemental insurance claim, you consider hiring a public adjuster to review your insurance policy. A professional public adjuster can help you clarify all of your insurance providers requirements for filing a supplemental insurance claim. A public adjuster can even help you stay on top of any new requirements that your insurance provider sets outside of your policy.
In doing so, you can eliminate the risk of getting your homeowner’s supplemental insurance claim denied. And, you also enhance your chances of receiving your full settlement, if your insurance claim goes to litigation.
Now, you’re probably, β€œwondering why would my insurance company hold out on my money”. But, it’s no secret. Insurance companies always put their own interest first. And, if they can prove that you are incompliant in any shape or form, they can deny your claim.
With this in mind, if you’re thinking about filing an insurance claim, you should start thinking about hiring a licensed public adjuster near you.

How Long Do You Have ToΒ  File A Homeowners Supplemental Insurance Claim

If you’ve got incremental damage to your home, and you would like to file a supplemental homeowners insurance claim, you should consider hiring a local public adjuster. A licensed public adjuster can help you get the money you deserve, with no hassles. If you’re not sure where to start looking, try Sentry Public Adjusting.

Our licensed public adjusters have been professionally trained to examine insurance policies and perform home damage estimates. We also conduct a full claim analysis and formulate, document, and file supplemental homeowners claims for Hurricane Michael victims. And we don’t stop there. We also help our insurance policyholders successfully negotiate a fair insurance claim with their insurance provider. And, we are fully prepared to help you mitigate your insurance claim.