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What You Need to Know About Wear & Tear vs. Sudden and Accidental Damage

  Are you curious about the difference between wear and tear damage and sudden and accidental damage? It’s important to be aware of the difference when filing an insurance claim, as it can have a major impact on the outcome of your claim. Read on to learn more about the difference between wear and tear damage and sudden and accidental damage! What Is Wear & Tear? Wear and tear is any type of deterioration that occurs over time due to regu...

What is Mitigating Damage and How Can a Public Claims Adjuster Help?

  When life throws you a curveball, it can be hard to know what to do first. If you experience property damage, understanding the concept of mitigating damage can help you keep costs low and get your life back on track. In cases like these, it might be helpful to contact a public claims adjuster in Orlando Florida like Ultra Property Damage for assistance. Let’s take a closer look at what mitigating damage means and why it’s important. What Does M...

Working with Your Mortgage Company During an Insurance Claim

  When you experience property damage, your mortgage company may be the last thing on your mind. However, it is important that you work with them in order to ensure that everything goes smoothly. A public claims adjuster can help you navigate this process and make sure that all of your rights are protected. In Orlando Florida, Ultra Property Damage is the go-to public claims adjuster for insurance claims. What Does My Mortgage Company Have to Do With It?...

What is Limited Water Damage Coverage?

When it comes to home insurance, understanding the fine print can make all the difference. While most homeowner’s policies include some level of water damage coverage, this type of insurance may not be as comprehensive as you think. With limited water damage coverage, homeowners have a set amount of time to report a problem and, in some cases, even restrictions on how much will be covered. To help demystify the process, let’s look at what limited water damage coverage is and what ...

What is Ordinance or Law Coverage and Should I Have It?

If you've ever looked into purchasing insurance for your home or business, you may have seen something called "Ordinance or Law Coverage" listed on the policy. This coverage can be confusing to those unfamiliar with it, so let's take a closer look at what it is and if you should consider having it. What Is Ordinance or Law Coverage? Ordinance or Law Coverage protects consumers from additional costs in repairs due to changes in building codes and...

Mitigation: The First Step towards Home Recovery After Disaster

When disaster strikes your home, it can be a difficult and overwhelming experience. It is important to have a plan of action in place to ensure that your home is properly recovered and restored, and the first step of this plan should always be mitigation. Mitigation involves the process of minimizing the damage caused by a disaster, preventing further damage from taking place, and restoring any damaged areas as soon as possible. Let’s take a look at why mitigation is so important for yo...

Understanding how sub limits in policy’s work

When filing an insurance claim, understanding the details of your policy is essential. One of the most important elements of an insurance policy is its sub limits, which are set limits on certain types of losses that may occur. Sub limits can have a major impact on the amount of money you receive from a claim and can vary significantly depending on the type of coverage you have. To help you better understand how sub limits work, let's take a closer look at what they are and why they&rsquo...

What’s the Difference Between Vandalism and Intentional Loss?

Have you ever experienced vandalism or intentional loss to your property? It can be a frustrating and confusing experience. To make matters even more complicated, it can be difficult to determine the difference between vandalism and intentional loss. That’s why it is important to understand these nuances before filing a claim with an insurance company. Let's explore the differences between these two types of claims. What is Vandalism? Vandalism is typic...

What is Right to Repair and How Does it Work?

It’s no secret that getting a policy for property damage can be complicated, especially if you’re trying to figure out what rights you have as a consumer. One of the most important aspects of any property damage policy is known as “Right to Repair”. Understanding what this means and how it works can help you get the most out of your policy and understand the coverage you have in case of an emergency. What is Right to Repair? In its simples...

Pre-existing Damage and Your Insurance Claim

You just bought a new home and are in the process of finalizing your homeowners insurance. Part of the process is declaring any pre-existing damage to your home so that it can be factored into your premium. But what exactly is pre-existing damage? Pre-existing damage is any type of damage to your home that existed before you purchased your homeowners insurance policy. It's important to note that not all pre-existing damage is covered by insurance. Whether or not the damage is co...