Commonly Underpaid Damages

Hidden Damages: What Insurers Often Miss or Underpay

Commonly overlooked damages can range from hidden structural issues to underassessed repair costs, often leaving you with unexpected out-of-pocket expenses. Understanding these common pitfalls can help you navigate the claims process more effectively and secure the maximum payout from your insurance company.

Structural Integrity

Check for any visible signs

of structural damage, such as cracks in the walls, foundation, or roof. Look for any leaning or shifted walls, sagging ceilings, or damaged support beams.

Roof and Gutters

Inspect the roof for missing or

damaged shingles, tiles, or metal panels. Look for any signs of leaks, such as water stains on the ceiling or walls. Clean out gutters and downspouts, removing any

debris that might obstruct proper drainage.

Windows and Doors

Examine all windows and

doors for cracks, shattered glass, or any other damage. Ensure they open and close properly, and check the weatherstripping and seals for any gaps or wear.

Electrical System

Check the electrical system for any visible damage, such as exposed wires or blown fuses. Test all outlets, switches, and light fixtures to ensure they are functioning correctly.

Plumbing

Inspect the plumbing system for leaks, especially around faucets, pipes, and water heaters. Look for signs of water damage on walls, ceilings, or floors.

HVAC System

Examine the heating, ventilation, and

air conditioning system. Check for any damage to the outdoor unit, as well as the indoor components. Test the

system to ensure it is working properly.

Exterior

Assess the exterior of the home, including siding, stucco, or brickwork, for any signs of damage or displacement. Look for loose or damaged fences, gates, or outdoor structures.

Attic and Crawlspaces

If there is an attic or crawlspaces, check for any signs of water intrusion or flooding. Look for dampness, mold, or mildew, and address any issues promptly.

Landscape and Trees

Inspect the yard for fallen

trees, branches, or other debris. Look for any damage to fences, sheds, or other outdoor structures. Assess the condition of landscaping and address any potential

hazards.

How Legacy Can Help

Using Technology & Expertise to Ensure No Damage is Overlooked

At Legacy Public Adjusters, we leverage advanced technology and our extensive expertise to ensure that no damage is overlooked and that you receive the full compensation you deserve. Here’s how we do it

Advanced Technology

From high-resolution drones to thermal imaging, moisture meters, and specialized software, we can identify damages that are not visible to the naked eye, preventing future complications. We ensure precise measurements and documentation, which are critical for claim accuracy.

Detailed Assessments

We conduct comprehensive on-site inspections, documenting all visible and hidden damages. Our experts look for signs of structural issues, water damage, mold, and other potential problems. Legacy guarantees a complete and detailed evaluation, capturing all aspects of the damage.

Collaboration with Specialists

We collaborate with industry specialists, including engineers, contractors, and environmental experts, to assess complex damages. Legacy provides a multi-disciplinary approach, ensuring all technical aspects of the damage are properly evaluated.

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