Slab leaks can be particularly devastating and costly. Although they can be caused by a variety of serious plumbing problems and may feature both hot and cold streams of water, they typically progress in a predictable manner. When a pipe that runs through your home's walls or under your house's foundation develops a leak, the constant stream of water from the broken pipe pools under your foundation's "slab" and may cause major damage.

If the offending pipe is located above ground, its leak may cause damage to your home's insulation, structural supports and crawlspaces. Certain areas behind your home's walls could develop dangerous mold mats and require substantial restoration to remain safe.

​Slab leaks can be caused by both incoming or discharge water. If you check your water pressure, and your water pressure is less than normal, you could have flooding under the slab. The pressure in the pipe will remain the same and gets released before it gets to your fixtures. If the flooding is caused by an outgoing pipe, then it can cause problems under the slab and eventually be detected by the ground shifting, unusual flooding or foul odor.

Damage to a commercial property can result in severe income losses. A commercial property damaged by fire, water, flood, hurricane, tornado, vandalism and even mechanical or electrical breakdown adversely impacts business and the people associated with it. Insured properties have the right to make a claim and be duly compensated for the damages and business interruption. Filing for a commercial insurance claim needs to be done without any delays – businesses obviously cannot afford loss of earnings for long. 

​Filing for insurance claims can be a very complex and daunting task, especially in times when commercial property owners are already disturbed by the losses to their properties. Mutual Claims Services will work to make the claims process a simple and stress-free experience. Our team of professionals, offer full-fledged support in terms of loss analysis, estimating, negotiating and documentation for insurance and liaising with insurance company to procure the best possible settlement outcome for all of the damages caused to the commercial property.

Slab  Leak

Mold and fungi exist everywhere. The spores they release as part of their reproductive process are claimed to cause illness and injury to humans and destroy property containing cellulose. Wood, paper, and the paper coverings of drywall are all vulnerable to mold. Mold growth can destroy, by slow rot, buildings designed to withstand major earthquakes.

​The term "mold" is a layman's term for microscopic filamentous fungi. Mold is the microscopic version of the mushroom. Mold is everywhere. It is a living thing that is neither animal nor what is usually considered a plant. It grows naturally outdoors. The spores, which molds create to reproduce, are present in the air. When mold moves indoors, it grows rapidly in environments that contain an excessive amount of moisture.

Many molds are benign. Some are wonderful and tasty, like mushrooms and the fungi that convert milk to cheese. Other molds, called mycotoxins, produce toxins that can be harmful to human health. Mycotoxins can be absorbed into the human body through the intestinal lining, airway paths, and skin. Human exposure to mold can be dangerous.

​Whether the mold develops due to climate, flooding, or another property condition – a licensed public adjuster can help you evaluate your options on filing the proper claim with your insurance company in order to receive a fair settlement amount. Don’t Forget the burden of from lies solely on the policy holder. Insurance company has there own adjuster why don’t you. Call Mutual Claims Services today.

Thermal Imaging to find leaks within the walls...

A typical homeowner’s insurance policy will cover damage caused by wind, fire, and lightning. If your home is destroyed by a fire, then the insurance company needs to pay to build you a new home. A typical insurance policy will also pay to replace or repair anything inside that home that may have been damaged by flames, smoke, soot, ash, and other byproducts of the fire.
Smoke damage is nasty and can affect virtually everything in your home. Many of your possessions and furniture may need to be discarded – even if they don’t look badly damaged. Your walls may be stained black, for example. Floors and carpeting may be permanently ruined with soot. Even your ceilings could turn an ugly shade of black. Upholstery, drapes, clothing, and family heirlooms can all suffer damage.​​ Your insurance company’s sole purpose is to pay, within the law, the minimum required to get you to release your claim.

Is your fire insurance provider denying your smoke damage claim? Some claims clearly deny coverage for smoke damage. Others, however, are ambiguous. If your home experienced thousands of dollars in smoke damage, then it’s in your best interest to contact Mutual Claims Services.

Remember: smoke damage can have lifelong effects on the health of your family. Contact a public adjuster today.

Hurricane / Tornado / Windstorm Damage

Wind damage claims often arise from damage to a building or structure after the occurrence of a hurricane or tornado. Damage resulting from wind or windstorms can include roof damage, damage to trees and landscaping, and damage to siding or other structural damage.

​​ Hurricanes, windstorms, and tornadoes cause several different types of damages. These damages can include roof damage and ceiling damage, water damage and flood damage and in some cases mold damage.  Mitigation of  property damage prevents further damage to the foundation of the structure and secure highest settlement for your claim. Windstorm Policy, however, only covers damage directly related to hurricanes, windstorms, and tornadoes. Floods, and mold damages aren’t covered in the Windstorm Policy. 

​If you are aware of a strong wind storm coming to your area, be sure to take shelter immediately and to tune in to weather forecasts and bulletins issued by the National Weather Service or local TV and radio stations. Other ways you can prepare include shuttering windows securely, bracing outside doors, and bringing in all unsecured objects from outside your home that can blow away and cause damage or injury. Once the storm has passed, call Mutual Claims Services. We will perform a free inspection and get your claim started. We will deal with the headaches, so you can deal with your family's needs.

Commercial Claims

Water Damage

Water damage claims include roof leaks, floods, AC leaks, water heater leaks, kitchen leaks, dishwasher leaks, bathroom leaks, broken pipes, etc... Water damage insurance claims have become become very complex in the State of Florida and in other areas recently. For those who have had no prior experience in handling an insurance claim, the policy language can be very confusing at best. To be fully compensated for a loss, experience is extremely important, as the method for adjusting such losses can be highly technical. 

​Once a water loss has occurred, the single most important thing you need to do is begin proper emergency mitigation. Removal of damaged items and the drying out of those items should begin immediately. It is important you use an experienced public adjuster to guide you through this process. How a water loss is handled in the first 24 hours can be critical in the outcome of your property damage claim.

​Any type of water loss generally takes time for the effects of water damage to show up. Wood and other types of finishes and furnishings may take days to dry. Often separation and splitting will not start to show up until much later. It is important to have a professional pubic adjuster work with you, the restoration company and insurance co. to coordinate the very important issues water losses can present in order to protect your damage claim.

Many homeowners presume that they have no recourse if the tile in their home cracks or chips when a picture falls off the wall, or tiles are damaged when a pipe in the kitchen bursts. While some people presume that the damage from a single tile or several tiles in a small area in their home does not warrant an insurance claim, many homeowner’s insurance policies will cover broken tiles. Even when an insured does make a claim with his or her homeowner’s insurer, the policyholder often accepts the replacement of only one or two tiles when this limited remedy will not actually compensate the owner for the loss. The replacement tiles might not match tiles throughout the room or residence, so the aesthetic appeal and resale value of the home is diminished by such half measures.

Depending on the terms of your homeowner’s insurance coverage and the circumstances of your loss, you might be entitled to have the tile throughout your home replaced or repaired. The insurance carrier might pay for removal of the tile, replacement with new tiles, and installation of new cabinets and other fixtures built on top of the tile.

While tile damage is most typically caused by sudden and accidental falling objects that crack, chip, or break tiles, there are other ways that tiles can get damaged. Toxic mold, water damage, roof leaks, and damaged electrical wiring can damage tiles. When shoddy partial repairs are performed, the safety and value of your home will be compromised. Most homeowner’s insurance policies cover tile damage, so you might be entitled to have some or all of your tile flooring in your home replaced.

Water Damage

Whether you need to restore property from moisture, mold, or fire damage, you know the value of having comprehensive and accurate information at your fingertips. Insurance companies need information fast to start the claims work and you need information so they you can get your property restored.  


Broken Tiles

Fire & Smoke Damage

Mold & Fungi