Dropped Object Claims
A beautiful tile, stone or wood floor can be seriously damaged by a dropped object or other disaster. If you have insurance coverage at your business, home or commercial property, you may be entitled to have the damaged tiles replaced or the whole floor re-done (assuming the problem was not a faulty installation).
Repairing chipped and broken tile or other damaged flooring can be an expensive, time-consuming process, especially in a lobby, waiting room or other business location. You may find it difficult to deal with the situation and with the insurance company representatives who have their own ideas of how much they want to pay for the damage, such as “patch and repair” rather than replace the entire damaged floor.
NEC Claims will meet with the insurance representative on your behalf, assess the damage, and take the burden of dealing with the insurance company from your shoulders.
NEC Claims has the knowledge & experience YOU NEED to get the insurance settlement you deserve on your damaged flooring.
Record the damage. After you notice the damaged flooring, the first thing to do is to make a record of it, including date and time. Take pictures from several different angles. If possible, take videos, pointing out specific damage. Make specific notes about the nature and extent of the damage.
Save the broken or cracked tiles. Be sure to save the damaged tiles after they have been removed from the floor. You may need them to help the insurance company determine the cause of the problem, so put them in a box for safekeeping.
Keep receipts. Always keep original copies of all paperwork regarding your claim, as well as all receipts for work done to repair the damage.
NEC Claims knows how to cut through the red tape to expedite your claim. We ensure that your claim is fully documented and all the paperwork is properly filed.
Dropped Objects Testimonial
Client: Craig T
Type of claim: Dropped Object
Situation: Craig was cooking in his kitchen when he accidentally knocked a large, heavy pot off the countertop which cracked a couple of tiles on his floor. It was an older home and the tile had been installed many years earlier. The tile ran throughout the majority of the first floor including the kitchen, living and dining room, foyer and family room. Initially, his insurance company offered him $301.67 after his deductible had been covered.
Solution: East Coast was hired to help Craig collect the full amount he was due based on the coverage in his policy. Because the tile could not be matched and that it ran throughout the majority of the first floor, East Coast fought to have the entire floor replaced. After all, Craig had a matching tile floor before the accident. Insurance is meant to get people back to where they were “pre-loss”. Craig was able to stay focused on running his business and taking care of his family while East Coast handled the details and negotiations with the insurance company.
In the end, Craig received a check for almost $20,000! Quite a difference from the original $300 and change he was offered before East Coast was involved with the claim. Craig’s new floor was installed shortly thereafter. The “matching statute” will almost always favor you, the insured. Don’t settle for a patchwork repair job.