The kitchen is the heart of the home for most Floridians, the place families and friends come together to break bread and share. It’s no wonder the kitchen is one of the primary focal points in a real estate transaction, one of the top selling points for a home. The investments we make to our kitchen are some of the most sound, yielding us our highest return on investment.
The kitchen is also most vulnerable to property damage, and the reason for many insurance claims in Florida. Damage can occur from a wide range of plumbing problems including refrigerator water line leaks, dishwasher malfunctions and leaks, kitchen sink, faucet and garbage disposal leaks, as well as devastating fires, and more.
The kitchen is often the most expensive room in the home to renovate. With bottom cabinets, center island cabinets, upper cabinets, full height cabinets, countertops, backsplashes, and flooring are typically all high-dollar items on their own. Restoration costs quickly mount up as losses often affect more than one area or element in the kitchen. An average kitchen can cost between $15,000 and $25,000 to replace or restore, but it can climb as high as $150,000 depending on the type, extent and areas of damage.
Handling Your Insurance Claim
Filing a claim for kitchen damage is not an immediate process. Depending on the amount of property damage and the actions of your insurance company the claims process can take months, even years. During this process, you can represent yourself, or you can hire a public adjuster to represent you and file the claim on your behalf for a small percentage of the total settlement, or an hourly fee.
Too often policyholders find out their policy doesn’t provide adequate compensation to make all necessary repairs and replacements. Insurance carriers may only allow for cosmetic repairs to a cabinet or two, when a full replacement of your cabinets is warranted.
If you need assistance figuring out exactly what is and is not covered in your current policy, consult an experienced and licensed public adjuster from the start. A public adjuster can help you build your documentation and file the insurance claim for you to give you your best chance at receiving a settlement that restores your kitchen back to its original glory.
For assistance filing your kitchen insurance claim in Fort Lauderdale, Boca Raton, Hollywood, West Palm Beach, Delray Beach, Wellington and Boynton Beach, call Florida-based Public Adjuster Steven Venook at Advocate Claims Public Adjusters at 954-266-0482.
Home Advisor: Kitchen Costs