Leading Public Adjusters Provide Advice about Property Damage Claims and Potential Health & Safety Hazards

Homeowners insurance is important to protect what is for many people one of their biggest assets, their home.  It is also required by most mortgage lenders.   A standard homeowners insurance policy typically covers the home and personal property, but most have important exclusions.  These may include damage due to natural disasters such as flooding, earthquakes, tornadoes and hurricanes.

While most people hope they never have to file a claim for damage to their home, statistics show that as recently as 2013, over 4% of insured homes had a claim.  Some of the most common claims revolve around water damage, fire damage, and wind and storm damage.

While damage from any one of these common causes is often quite evident, these events can also create potential hazards that many property owners may not readily recognize.  These could be due to the actual damage or result from cleanup and repair activities.  A partial list of these potential hazards may include the following:

·       Electrical Hazards

·       Leaking Gas Lines

·       Carbon Monoxide

·       Smoke and Soot Residues

·       Mold

·       Bacteria

·       Viruses

·       Chemical Contaminants

·       Asbestos

·       Lead Dusts

“For people faced with a property damage claim, there are steps that should be taken,” said Tom Allen of Hudson Douglas Public Adjusters, LLC.  “Be sure to promptly notify your insurance company and make a detailed inventory of any damaged property.  Our insurance claims professionals can help with this entire process. The staff at Hudson Douglas only work on the behalf of policy holders and are also experienced indoor environmental and construction experts.”

Hudson Douglas Public Adjusters has sponsored an educational video about property damage claims and potential indoor environmental concerns that can be seen at: http://youtu.be/bAXyVtpfPaQ

The services of Hudson Douglas Public Adjusters are available for residential and commercial policy holders in Arizona, Utah, Nevada, Colorado, New Mexico, Ohio, Pennsylvania and New Jersey.