What damage claims
can you file?

Do you have New Damage to your home or property, A Lowballed Home Insurance Claim or a Denied Home Insurance Claim? Remember, with Claim Hero, our simple process will get you on the proper path to take back control of your life and situation. When home damage happens, Claim Hero is here to fight for you with a variety of types of insurance claims.

TYPES OF Insurance Claims
🏠 Roof Damage in Florida

For the majority of Florida residents, a roof repair or replacement first involves filing an insurance claim. Considering the national average for roof replacement coming in at $8,373, it’s no wonder so many home and business owners look to their insurance for help with covering costs.

Roof damage as the result of an act of nature, accident or sudden event is typically covered by homeowners’ insurance policies.

Unfortunately, all too often Florida residents find that their claim for roof damage due to hail, wind, hurricanes or other acts of nature or accidents are denied.

When it comes to Florida roofs, Hurricanes and storms are a leading cause of roof damage and leaks. IN fact, in 2018 alone, data from insurance aggregates revealed more than 750,000 insurance claims for damage due to residential property.

1 The consumer is responsible for payment of any insurance deductible;
2 It is insurance fraud punishable as a felony of the third degree for a contractor to knowingly or willfully, and with intent to injure, defraud, or deceive, pay, waive, or rebate all or part of an insurance deductible applicable to payment to the contractor for repairs to a property covered by a property insurance policy; and
3 It is insurance fraud punishable as a felony of the third degree to intentionally file an insurance claim containing any false, incomplete, or misleading information.

🌩️ Storm Damage in Florida

There are times when the damage is actually much more than it looks like from the outside. When you take a homeowner’s policy, you might think the insurance policy will also cover any damages caused by hurricanes or storms, but insurers have now shifted more risk to policyholders by having different policies for hurricanes and other calamities and setting higher deductibles.

Hurricane insurances are actually a combination made up of a few different kinds of insurance coverages. You can’t get a stand-alone policy that only covers the damages caused by hurricanes.

Policyholders who have insurance claims, most of them often end up not getting expected money from their insurance claims after facing damages from tropical storms.

Hurricanes and other wind storms are a constant threat to Florida homeowners!

Florida is known for its tremendous amount of lightning strikes, fires and roof damage are all too common.

🔥 Fire Damage in Florida

Florida house fires can cause severe property damage to both the structure and personal belongings.

These damages can extensive and lead to thousands of dollars in repair and replacement of your property.

Your policy may also cover structural, wind, melted personal property, roof damage, electrical, and even plumbing damage.

Florida is known for its tremendous amount of lightning strikes, fires and roof damage are all too common.

With increased lightning and hurricanes, power surges are inevetible.

Things happen from time to time and there are some policies that cover such things.

💨 Wind Damage in Florida

We work on your behalf to estimate and record wind or hail damages, meet with your insurance adjuster, and finalize the terms of your settlement—keeping you informed through every phase of the process.

Each year thousands of roofs are repaired or replaced across Florida. From aging materials, to storm and hurricane damage, roofs can take a beating.

Strong ground-level wind system that emanates from a point source above and blows radially, that is, in straight lines in all directions from the point of contact at ground level. Often producing damaging winds, it may be confused with a tornado!

Strong tropical storms and hurricanes come with strong sustained winds that your property sometimes just can’t withstand.

The damage from tornadoes comes from the strong winds they contain and the flying debris they create. It is generally believed that tornado wind speeds can be as high as 300 mph in the most violent tornadoes.

🌊 Water Damage in Florida

Water damage to real or personal property can arise from a hurricane, flooding, flash floods, broken water pipes, or sewage back-ups. This type of damage can result in rotted wood, rusted steel, mold and mildew damage, and several other kinds of damage to materials in your home or building.

Unfortunately, all too often Florida residents find that their claim for water damage due to plumbing, shower & kitchen leaks, roof leak, flooding or other acts of nature or accidents are denied.

Florida homeowners are especially prone to such damage due to severe weather such as hurricanes, which bring excessive downpour and flooding.

Most basic homeowner’s and property insurance policies do not cover water, flood or mold damage. It is important to examine your insurance policy to see the types of damage your insurance policy covers and whether any provisions exist excluding water damage or that impose limitations on the type and amount of water damage claims.