Hurricane Claim Settlement Service In Florida
Book Atlantic Property Adjusters, Your Hurricane Claim Experts
When your home, business, or condominium has been damaged by a hurricane, you need all of the help you can get. At Atlantic Property Adjusters, we know that people rely on their insurance company to dispense proper payment for the claim, but that rarely happens. In many cases, insurance companies settle claims for less than what is due or, worse, deny rightful claims altogether.
Our insurance adjusting experts are trained to ensure you receive the maximum claim payout. With the help of our firm, you will be fully indemnified, and with the right contractor, your property can be fully restored. Our hurricane damage claim team will review your claim and go head-to-head with the insurance company to make sure that they are paying every dime that they are responsible for.
Common Hurricane Damage We Handle
Atlantic Property Adjusters can help you recover compensation for a wide range of hurricane damage, including
Roof Damage
Wind, hail, and rain can damage your roof shingles, flashing, and even the underlying structure.
Siding Damage
High winds can rip off siding, while hail can cause dents and cracks.
Window Damage
Broken windows can expose your home to the elements and pose a security risk.
Interior Damage
Wind-driven rain can damage walls, ceilings, and floors. Flooding can cause even more extensive damage.
Detached Garages and Sheds
Hurricanes can damage or destroy detached structures on your property.
Damaged Belongings
Hurricanes can damage or destroy furniture, appliances, electronics, and other personal belongings.
What to Do Before You Call Us
While a hurricane can be a devastating event, there are some steps you can take to prepare for filing a claim
Document the Damage
Take photos and videos of the damage to your property as soon as it is safe to do so. Include close-up shots of the damage, as well as wide shots that show the overall extent of the destruction.
Gather Important Documents
Collect any paperwork related to your insurance policy, such as your policy number and recent declarations page. Also, gather any receipts you have for damaged belongings.
Make Temporary Repairs
Make temporary repairs to prevent further damage to your property. For example, board up broken windows or tarp a damaged roof. Be sure to keep receipts for any materials you purchase for these repairs.
Atlantic Property Adjusters- Your Trusted Claim Settlement Company
We specialize in helping you recover from the damages caused by hurricanes to your property. We work hard to fight any insurance tactics that have been designed to minimize your claim. We constantly research to stay up to date on all of the newest legislation that could affect your claim, take the proper time to ensure your property is well documented, and fight for your right to be perfectly restored.
client testimonials
FAQ's
What is a public adjuster, and why should I hire one for my hurricane claim?
A public adjuster is a licensed professional who represents policyholders during the insurance claim process. Unlike the insurance company's adjuster, a public adjuster works solely in your best interest to maximize your claim. Atlantic Property Adjusters thoroughly evaluates damages, documents evidence, and negotiates with the insurance company to ensure you receive a fair settlement. Our experience with hurricane claims helps avoid undervalued offers and unnecessary delays.
When should I contact a public adjuster after a hurricane?
It’s best to contact a public adjuster as soon as possible after a hurricane. Early involvement allows us to inspect the damage before repairs begin, ensuring accurate documentation. If you’ve already filed a claim, we can step in to negotiate on your behalf or appeal a denied or underpaid claim. Atlantic Property Adjusters also assists with delayed claims, expediting the process to get you the compensation you deserve.
What are the common challenges homeowners face during hurricane claims?
Homeowners often face low settlement offers, delayed payments, or claim denials. Insurance companies may dispute the extent of damages, undervalue repairs, or claim pre-existing conditions. Navigating policy language can also be overwhelming. Atlantic Property Adjusters handles these challenges by providing expert damage assessments, leveraging legal knowledge, and negotiating directly with insurers to secure a fair settlement.
Can I reopen a hurricane claim if I’ve already settled with my insurance company?
Yes, in many cases, hurricane claims can be reopened if additional damage is discovered or if you believe your settlement was insufficient. Florida law typically allows claims to be reopened within a set timeframe, usually up to 3 years. Atlantic Property Adjusters will review your case, reassess damages, and pursue supplemental payments if necessary. We ensure your claim is thoroughly evaluated and fairly resolved.
What types of damages can be claimed after a hurricane?
Hurricane damage claims may include roof damage, structural damage, water intrusion, mold growth, and damaged personal property. Additional claims for loss of use or temporary housing may also apply if your home is uninhabitable. Atlantic Property Adjusters conducts comprehensive inspections using advanced technology to identify hidden damage, ensuring that no aspect of your loss is overlooked.
How does Atlantic Property Adjusters maximize my hurricane claim settlement?
We conduct detailed assessments using industry-standard software and expert evaluations to calculate the true cost of repairs. By providing thorough documentation with photos, videos, and reports, we build a strong case to support your claim. Our adjusters also negotiate aggressively on your behalf, challenging any unfair settlements. Atlantic Property Adjusters is dedicated to ensuring you receive the full amount necessary for proper restoration.
What are some misconceptions about hurricane claims?
A common misconception is that the insurance company’s initial offer is final. In reality, most offers can be negotiated. Some homeowners also believe minor damage isn’t worth claiming, but even small issues can worsen over time. Additionally, many think they can handle claims themselves, but without expert representation, they risk undervaluation. Atlantic Property Adjusters works to correct these misconceptions by providing fair assessments and advocating for your best interests.
Does my homeowner’s insurance cover all hurricane-related damages?
While most policies cover wind and rain damage from hurricanes, flood damage is typically excluded and may require separate flood insurance. Policies also vary in coverage limits and exclusions. Atlantic Property Adjusters will carefully review your policy to determine applicable coverage and identify any additional benefits you may be entitled to. Our goal is to ensure you fully understand your coverage and receive the maximum payout.
What hidden damages can occur after a hurricane?
Hurricanes often cause hidden damage that isn’t immediately visible. Water can seep into walls, ceilings, or foundations, leading to mold growth and structural weakening. Roof damage may allow slow leaks to develop over time. Atlantic Property Adjusters uses thermal imaging, moisture meters, and other advanced tools to detect these hidden damages. Addressing them early prevents further deterioration and ensures a comprehensive claim.
How long does the hurricane claims process take?
The timeline for hurricane claims can vary depending on the complexity of the damage, responsiveness of the insurance company, and whether disputes arise. While some claims may settle within a few weeks, others can take months. Atlantic Property Adjusters works diligently to expedite the process by maintaining open communication with insurers and submitting detailed documentation to avoid unnecessary delays.