Property insurance claims and adjusters help with roofing claims in Charlotte

Property insurance claims and adjusters can help protect your investment

Charlotte’s top property insurance claims and adjusters can help safeguard homeowners against perils that could otherwise lead to substantial financial losses. However, it’s important to understand that not all situations are covered by your policy. Home insurance policies often come with exclusions, which are specific events or circumstances that are not covered. Understanding these exclusions and finding ways to mitigate their impact is essential for homeowners. In this article, we’ll explore common home insurance exclusions and provide tips on how to navigate them effectively.

  1. Earthquake and Flood Damage:

One of the most common exclusions in standard home insurance policies is damage caused by earthquakes and floods. If you live in an area prone to these natural disasters, it’s essential to consider purchasing additional coverage. Earthquake insurance and flood insurance are typically offered as separate policies, and while they come at an extra cost, they provide valuable protection for your home and belongings.

  1. Maintenance-Related Issues:

Home insurance is designed to cover sudden and unexpected events, not routine maintenance issues. Damage resulting from neglect or lack of maintenance, such as a leaky roof or a burst pipe that could have been prevented with regular upkeep, is usually not covered. To avoid this exclusion, make sure to maintain your home properly and address any issues promptly.

  1. Acts of War and Terrorism:

Damage caused by acts of war or terrorism is often excluded from home insurance policies. While these events are relatively rare for most homeowners, it’s important to be aware of this exclusion. In some cases, you may be able to purchase additional coverage for terrorism-related incidents, so check with your insurance provider for options.

  1. Home Business Liabilities:

If you operate a home-based business, your home insurance policy might not cover business-related liabilities or losses. To ensure adequate protection, consider adding a home business endorsement to your policy or purchasing a separate business insurance policy. This will help safeguard your business assets and liabilities.

  1. Valuable Items and Jewelry:

Most home insurance policies have limits on coverage for high-value items like jewelry, art, and collectibles. If you own valuable possessions that exceed these limits, consider scheduling them separately or purchasing a valuable items endorsement. This will ensure that your cherished items are adequately protected.

  1. Intentional Damage:

Deliberate acts of destruction or damage to your own property are generally not covered by home insurance. This includes situations such as vandalism or intentionally setting fire to your home. These actions are illegal and will not be supported by your policy.

  1. Pets and Certain Dog Breeds:

Liability coverage in home insurance may exclude certain dog breeds or specific animal-related incidents. If you have a dog, especially one considered high-risk by insurance companies, check your policy for any breed-specific exclusions. You may need to purchase a separate pet liability policy or seek coverage from a specialty insurer.

  1. Acts of Negligence:

Home insurance is designed to protect against accidents and unexpected events. It typically does not cover damage resulting from negligence, such as leaving a faucet running and causing a flood. Homeowners should exercise caution and take measures to prevent such incidents.

  1. Home Businesses:

If you operate a business out of your home, your standard home insurance policy might not cover business-related liabilities or losses. Consider purchasing a separate business insurance policy to protect your business assets and liabilities.

  1. Sewer Backup:

Many standard home insurance policies do not automatically cover sewer backup or sump pump failure. You can often add this coverage as an endorsement to your policy to protect your home from these potential issues.

The Role of Property Insurance Claims

Property insurance is designed to provide financial protection in the event of damage or loss to your property. When an incident occurs that is covered by your insurance policy, you can file a property insurance claim to request compensation for the necessary repairs or replacement of damaged items. Here’s how this process works:

Assess the Damage

The first step is to assess the damage to your property thoroughly. Document the extent of the damage with photographs and notes, as this will be crucial during the claims process.

Contact Your Insurance Company

After documenting the damage, contact your insurance company as soon as possible to initiate the claims process. Provide them with all the necessary information, including policy details and the documentation you’ve collected.

Insurance Adjuster Inspection

Your insurance company will assign an insurance adjuster to your claim. This professional is responsible for evaluating the damage and determining the amount of compensation you are entitled to under your policy. They will arrange a visit to your property to assess the situation.

The Role of Insurance Adjusters

Insurance adjusters play a pivotal role in the property insurance claims process. They act as intermediaries between you and your insurance company, ensuring that the claims process is fair and that you receive the appropriate compensation. Here’s how they can help:

Expert Evaluation

Insurance adjusters are trained professionals who specialize in assessing property damage. They have the expertise to evaluate the extent of the damage accurately, which is crucial for determining the appropriate compensation.


Adjusters negotiate on your behalf with the insurance company to secure the best possible outcome for your claim. They are well-versed in insurance policies and can help ensure that you receive the full benefits you are entitled to under your policy.

  1. Documentation

Adjusters help you document the damage thoroughly and in accordance with insurance company requirements. This documentation is essential for substantiating your claim and expediting the claims process.

  1. Claims Process Guidance

Navigating the insurance claims process can be complex. Insurance adjusters provide guidance and support throughout, helping you understand the steps involved and ensuring that your claim progresses smoothly.

Why Steele Restoration?

At Steele Restoration, we understand that property damage can be a challenging and emotional experience. Our team of experienced professionals is committed to helping you through the insurance claims process and restoring your property to its pre-damage condition. Here’s why you should choose us:

  • Expertise: Our insurance adjusters have a deep understanding of the claims process and work tirelessly to ensure you receive the compensation you deserve.
  • Efficiency: We streamline the claims process, saving you time and minimizing disruption to your life or business operations.
  • Advocacy: We act as your advocate, ensuring that your interests are protected and that you receive a fair settlement from your insurance company.
  • Quality Restoration: Beyond claims assistance, we are experts in property restoration. We have the skills and resources to bring your property back to life, so you can enjoy it once again.

When you’re faced with property damage, Steele Restoration is your trusted partner. We are dedicated to helping you through the insurance claims process, ensuring that your investment is safeguarded, and your property is restored to its former glory.

Don’t let property damage overwhelm you. Contact Steele Restoration today, and let us guide you through the insurance claims process, providing you with peace of mind and a path to recovery.

Hire Charlotte’s top property insurance claims and adjusters

Steele Restoration is a fully licensed and insured Charlotte NC and Greenville SC-based general contractor and roofing company specializing in roofing, siding, and storm damage restoration for single-family homes, multi-family complexes, and commercial and industrial sites. We service Charlotte and surrounding areas, including Rock Hill, Lake Norman, Steele Creek, Matthews, Ballantyne, and Blakeney, along with the Greenville and Spartanburg SC areas.