To add to this for clarity, verbiage is everything. The date of loss and date of discovery, for all purposes can be the same date. When did your fridge start leaking? 2 weeks ago? Claim denied. When did it start leaking? I just moved the fridge yesterday and discovered water. Date of loss is yesterday, when you discovered it. There is no way to tell if it was leaking 24 hours or 24 days

I’m a renter. The basement in my home I was using as a storage. I came home from visiting my mother and don’t know how long ago the flood was everything was damp and had mold! I cried so bad I’m a single mother going through so much stress now this.. I’ve been paying renters insurance and the insurance people aren’t helping at all 🤦🏻‍♀️ this was helpful, thanks for this video

100% right, that much I figured out of my damn super confusing insurance papers too. Thank you for this video. Those claim processes are super confusing.

Thank you so much for taking the time to share this useful info. Very helpful!

My God...I just happened to watch your video...what you said was right on the money that I needed to hear before I did anything....tk you sooooooo much....what a key that I needed!

Thank you for this video. I have never filed a claim and the insurance company states that they have been trying to get ahold of the plumbers who performed the repair that I paid for two weeks. I was asked questions and they used the words leak on the phone with one person and his backup left a voicemail stating the same. I shared with the plumbers the information. The plumbers were like what are you going to stay in the house with a pipe burst. Very frustrating experience especially with a first claim.

I have renters insurance through Allstate, my rental flooded, my $5000 cinema camera was ruined, the adjuster offered my $200!!! He said if I buy a new one for $5000 and show a receipt, he'd offer me $2000..so I have to spend 5k to get back 2k. They talked it up selling me on it..if you call to file they immediately tell you to not bother filing because they're not gonna give you much. What a joke!

I work for a water restoration company handling filing and collecting on the invoice from insurance and the customer. Cause of loss and pre existing are terms you'll hear from insurance to deny your claim- they'll use ANY excuse to do so.

Hey its me Teena...He's the real deal...I just recently took some advice from him and it worked out just fine...I love the fact he really responds to you in a timely manner and very knowledgeable ...My go to Guy...I really appreciate your Service 💯💯💯💯💬

Best advice so far. Thank you

If we have to use verbage like abruptly and suddenly it just goes to show insurance companies and unscrupulous. They can take your money for years and years but the minute something happens in your home it can take days for responses and action .. what an awful way to do business

So lie?

I wish you were in Calif. what if the property is in cahoots with the renters insurance and they basically force people to use them. I’m suing the property for fire, mold , uninhabitable conditions etc. it’s been nightmare and then retaliation, very corrupt, and I’m very sick with toxic poisoning and , too much to type , I just can’t stand lawyers either. This entire property should be red flagged, so they are hoping I die, so with my fire claim, multiple water damages , huge ones Mike, and then, they both kept saying they couldn’t get a hold of each other. I’m an environmental investigator, but I went from 118 pounds Jan 2022, then literally after full evacuation and fire across my hall, I had lupus in remission and MSD, etc. but when I called the corporate office, they didn’t even know if a full property evacuation for 5 hours, like out of a die hard movie, so not my first rodeo fighting the corruption as I almost died and lost everything in 2016 with state farm and the property, and they were in cahoots too. Calif is rampant with pay to play. To judges, police, fair housing and mostly lawyers. So I want lawyers out of Orange County area. It’s bad Mike, sorry I’m s angry I’m going to destroy them, but I wasn’t sure if I should refile everything because basically they are saying, oh we never heard from you or property and then Propery douche bag , says I tried them so many times, literally months later and I just plummeted into edema, bloodclots,then toxic black water because they would not even bring in water fire restoration. It’s so by the fraud racketeering play book, but at least in 2016, I got out that night of fire, this time I ended up hospital and couldn’t walk anymore and started having seizures. I kept records of everything , but I might be blonde but the idiot actually had the nerve to think I would believe the6 just couldn’t get a hold of each other, and they don’t even come. This Erenters, linked to American National, all big monolpy. That’s who CAmden Proprty Trust has on their leases, so of course the evil corrupt mother f#ckers don’t want to lose Camden’s nationwide. So then they retaliate on me and filed eviction, when per my policy I should not even been in there the next day. By the Grace God I have trained 20 years investigating environmental toxins and slumlord and insurance corruption. So the6 kept dragging it out, then multiple falls , stress of fake fraud evictions while I’m literally dying and my dog now has tumor and toxic smoke and mold exposure. I’m still in here , because I used my 50 grand savings,then my car just happened get robbed and vandalized and I park in handicap. It’s so disgusting Mike, if the stupid relocation happened, then they would be rid of me, now I’m going to destroy them nationwide and in media, I just have to live. I just haven’t liked any of the personal injuries and premise lawyer’s because they need to come walk the scene. It’s disgusting. I just Pray, I need guidance, but this place is a Volcano that’s going to erupt. God Bless

You are an example of why Public Adjusters are considered by many to be bottom feeders in the industry. I suppose it is "ok" for you to tell people to lie to the insurance company as long as you can get your money from them. Thanks for proving what most already know.

So as an adjuster we should watch out for claims represented by your firm and ask SIU to evaluate for fraud from the start. Right?

We have a kitchen that was built as a bumpout without a true foundation around 70 years ago. It's only supported by wood joists on the ground (!!!) that are rotting and failing, causing lumpy floors and cracks in the ceiling and roof leaks. Our insurance policy DOES have endorsements for Wet Rot and Water Backup. Do you think we may have a good case for a claim?

I had a water heater malfunction and my entire first floor flooded. Water all the way up to my heels. I have to replace carpets because mold is now present in the home. Any tips on how I should approach this? I’ve already filed my claim.

my grandmom left for Florida and had a house in New Jersey while she was living in Florida a pipe burst and caused water damage, she left the problem get bigger and bigger with mold and water damage to the walls also left the house abandoned now she wants her home back and needs to get rid of the mold and do some major work just want to know if it's true that it can cost 150,000 or more it's not a big house she doesn't want to sell her home she has nowhere to live because she's being evicted and she also didn't have insurance it's a mess breaks my heart.

thank you!!! for creating your videos

They still won’t cover to fix the problem which is a huge problem when you don’t have the money to fix it

thank u king 🙏

Leaky pipe between floors that caused a portion of my downstairs ceiling plaster to bubble and burst. After shutting water off, should I do the repairs first and then call the insurance company or call insurance first. In the past many many years back, I've called the insurance company first and they then proceeded to send the adjuster over and then they sent their preferred service repair company.

Hii I buy a home recently two months ago now I face problem in my basement with water leakage I person who see my situation he said that the leakage from outside u need to do waterproofing to your house it’s very expensive they said it not cover in insurance u have to pay every dollar from ur pocket u have any solution to my problem

Our fridge had been leaking for months. We never go into our basement. We went down there & there had been water coming through the ceiling, drywall, trim, carpet, baseboards, ect. It looks like a terrible repair. Does insurance cover if they can tell it has been there for an extended amount of time although we just realized? Thanks in advance.

In my case, i have a storage unit with flood damage. I'm a driver and I'm n a different state. Therfore I can't inspect the damage. I gave permission to enter my unit to access damage. They in turn sent me a list of things they threw away and re-boxed. Now I'm asked to submit a claim without my own acessment. From what I was told it was from a bathroom leaking. I believe the claim limit is $5k. Can I just cash out the unit??? Thanx.

Should I allow my contractor for the buildback after a water damage claim to negotiate with the insurance company directly? Contactor is asking for me to sign that and that also to sign for them to get paid from insurance company directly after I pay the contractor my deductible. My insurance told me they send the buildback checks to the insured (me) and I suspect it’s probably for a good reason. Please give me your thoughts on that.. Thank you SO much. 🙏

Why are so many of these great videos for companies in Florida? I need help her in California. Liberty Mutual sucks

Question will your premiums go up afterwards? I’m dealing with this right now

We just had a major plumbing issue that resulted in raw sewage raining into my basement sewing room. I have equipment and sewing machines down there that are contaminated because of moisture droplets of sewage. I have no idea how to go about making the claim or even what to claim. Will this rust my equipment? Do sewing machine repair shops clean up bio hazard or are they a loss?

Hey Mike, my water heater busted in my rental condo. It’s $2500 to install new flooring and replace water heater. I can pay it out of pocket or file claim. Any thoughts if I should file or pay out myself?

water lekage happen to my garage also it totally damaged they said it also not covered in insurance u have any solution plz help me

Nice Edifiers

Awesome

What if it is a hurricane claim

Super helpful but you absolutely MUST do better with your audio.

Thanks Mr. Mike really good tip. Im glad I actually didnt know, when the water leak started and how... But how do I handle my personal property? example how old should I say my personal propeerty is,? Becasue in most cases I dont know and I although I have RCV, I want to maximize my ACV....

Adjusters are looking for COL.. that is why they ask. Was it sudden an accidental is another question adjusters ask. People get your plumbers reports photos and pictures of the damaged parts. This guy is a ding dong

Woof.

Bro this would be fraud.

Saying "I don't know" is one thing, but blatantly lying to your insurance company is not recommended. Creating an accident to get paid is hard fraud, but trying to profit off of an accident by deliberately lying to your insurance company is soft fraud. This can lead to a lot of unforeseen consequences for the policyholder including being dropped and worse. If your #1 biggest tip for water damage is to lie to your insurance company then you are not in the right. You should educate your clients about what is not within their scope of understanding or judgment so that they don't say something incorrect which can slow the process.