Storm Damage Claim Settlement Service In Florida

The first step is to ensure safety—check for hazards like exposed wires, gas leaks, or structural damage. Then, document everything with photos and videos, including interior and exterior damage. Take temporary measures to prevent further damage (like tarping a roof), but avoid permanent repairs before your claim is approved. Contact us as soon as possible to assess the situation and file a strong claim.

Coverage varies based on your policy, the cause of the damage (wind, hail, flooding, etc.), and any exclusions or deductibles. Many homeowners don’t realize that insurance companies may deny claims for "pre-existing damage" or "wear and tear." We review your policy, explain your coverage, and help fight for your maximum payout.

Yes, insurance companies frequently deny claims based on technicalities like missing paperwork, delayed reporting, or claims that don’t meet their definition of "sudden and accidental" damage. They may also undervalue the damage. As licensed public adjusters, we handle all negotiations and documentation to reduce the chances of denial.

An insurance adjuster works for your insurance company, aiming to minimize what they pay out. A public adjuster, like Atlantic Property Adjusters, works for you, ensuring you get the maximum compensation possible. We analyze your policy, assess damage accurately, and negotiate with your insurer on your behalf.

• Initial Assessment: We inspect your property and review your policy.
• Documentation & Filing: We prepare and submit a detailed claim with photos, videos, and estimates.
• Negotiation: We handle all communications with the insurance company, countering lowball offers.
• Resolution & Payout: Once a fair settlement is reached, you receive your insurance payout.

• Waiting too long to file (insurers may deny claims for delayed reporting).
• Not properly documenting damage before cleaning up.
• Accepting the first settlement offer without negotiation.
• Underestimating hidden damage, like water infiltration behind walls.
• Not hiring a public adjuster to advocate for their best interests.

We work on a contingency fee basis, meaning we only get paid when you get paid. Our fee is a percentage of the final settlement, so there are no upfront costs or risks for you.

Timeframes vary depending on damage severity, claim complexity, and insurance company responsiveness. Some claims settle in a few weeks, while more complicated cases can take months. We work to expedite the process while ensuring you receive a fair settlement.

A denial doesn’t mean the case is closed. Many claims are denied due to technical issues, lack of documentation, or insurer tactics. We can review your denial, find weaknesses in their reasoning, and reopen the claim with stronger evidence.

Yes! Not all storm damage is obvious. Some common hidden issues include:

• Roof leaks that take weeks or months to show visible signs.
• Structural weakening from wind stress.
• Mold growth due to hidden moisture.
• Cracked foundations from excessive water runoff.
• We conduct a thorough inspection to identify all potential damage, ensuring nothing is missed.