Property insurance is supposed to protect your house and its contents from damages due to natural calamities. But with time, insurance companies have imposed strict guidelines making it challenging for the insured parties to make claims in case of damage. As a result, contractors and public adjusters have been making many advertisements to urge the insured parties to make claims regarding damage caused. In Florida, the governor has shown outstanding commitment to making insurance reforms. This has seen the restructuring of procedures for litigating insurance claims. Because of the reforms, you might find you have difficulties in making an insurance claim. In such instances, you are recommended that you look for a team of specialists to speed up the changes. In case you are in Florida, you can seek the services of claim check consultants.

Regulation of contractors

This article highlights some of the reforms that were made on insurance claims in Florida. According to the Florida statutes, a contractor is prohibited from making a prohibited advertisement which is any public information that directs an insured party to make an insurance claim through the contractor. Secondly, the contractor offering consultancy services about an insurance claim. All this functions are supposed to be performed by a public adjuster. Therefore, for the contractor to offer these services, they must have a public adjuster license.

Also, a contractor is prohibited from offering or receiving financial incentives when dealing with the repair of roof claims. This financial incentive can include waivers, coupons, or gift cards allowed by the property owner to handle the insurance claims. Additionally, the statute also warns against referral fees to contractors who recommend insurance claims services to the interested parties.

A contract that doesn’t comply with this legislation risks facing disciplinary action. According to the Florida statutes, a contractor who flouts this reforms might receive a fine of up to $10,000 for each violation.

Deadline for notice of claims

The legislation also touches on the two types of claims; reopened and supplemental claims. A reopened claim, is one that was initially closed but later on opened for an additional cost of loss incurred. While a supplemental claim involves an additional charge of loss from the same damage that was already adjusted. Regarding this two, the statute provisions indicate that a notice of reopened claim should be within two years of the damage date. On the other hand, a notice of supplemental claim should be with three years of the date of damage.

Conclusion

The new reform limits the contractor from an advertisement for making an insurance claim. The work scope of the contractor is limited to discussing the construction, repair, or maintenance of the property that has been damaged. The reforms aim to improve the insurance claim market by addressing issues faced by both property owners and the insured parties.

Contact us

Whenever you want to make a residential or commercial insurance claim, remember you have a team of experts to contact at claim check consultants in Florida. Call or visit our offices for additional information.