Hurricanes can affect entire structures and create huge problems for owners. Even people who are properly insured against this type of damage can run into issues when attempting to collect on their insurance claims.
Hurricanes also damage a lot of properties at once, which is why they are difficult for both claimants and insurance companies to deal with. This explains why experienced and trusted public adjusters such as ProFloridian Claims Consultants are so useful. They’ve seen it all before, know what to do, and can make life easier for policyholders who are under stress.
After major hurricanes, insurance companies hire independent insurance adjusters to conduct large-scale assessments of the overall damage. These independent adjusters are inexperienced and don’t understand the demands of policyholders. Moreover, since they are hired by the insurance companies themselves, they will always interpret situations in their employers’ favor. Most homeowners are unfamiliar with the claim process, industry jargon, and how to determine the amount of damage that has happened to their property. If they try to file a claim themselves, it may result in an inadequate document that fails to produce the outcome they deserve.
Finding A Fair Settlement Value
There are many factors when it comes to hurricanes and tropical storms that can cause claims to be processed slowly and make the policyholder feel overwhelmed and discouraged. Hurricanes damage also takes a lot of time and money to repair. A public adjuster can help ensure your claim receives the proper attention and help you get back to your normal life as soon as possible.
If your home or business has experienced a loss due to a hurricane, you’ll want your insurance claim to be resolved as quickly as possible. Before you file any claims, reach out or contact a professional public adjuster like ProFloridian Claims Consultants, who can help you assess the type of claim you need to file, determine the amount of damage to your property, and help you understand your coverage.
Several Types Of Damage
An experienced public insurance adjuster has the resources and skills necessary to differentiate and document the different types of damage that tend to accompany hurricane events. Storm surges, wind-driven rain, tornado damage, water damage, and flood damage can all occur during a hurricane. In most cases, floods caused by storm surges or overflowing rivers are not covered by standard insurance policies. On the other hand, water damage resulting from high winds – such as rain entering through a damaged window – typically does qualify as hurricane damage.
Proper Documentation & Evaluation
Typically, an insurance policy will cover direct physical damage from hurricanes. If direct physical damage is obvious – such as entire roofs or walls or portions of roofs or walls blown away – then a coverage determination becomes easy. Sometimes, however, the damage from a covered incident is less obvious. In these cases, experts and professionals can point you in the right direction.
Improper or incomplete documentation and evaluation of hurricane damage is one of the most common reasons why many hurricane claim settlements are underpaid or unjustly denied. After every major hurricane, policyholders are routinely denied what they rightly deserve. To make sure that you don’t find yourself in this position, contact the highly experienced team of public adjusters at ProFloridian Claims Consultants. We will properly differentiate and document your hurricane damages to help you obtain a significantly higher hurricane settlement.
Best Course Of Action
It is extremely important to know your rights as a policyholder. When you face a calamity or any tragedy, it is your insurance company’s duty to provide you with the best settlement. After all, that’s what you pay them for. If they fail to do so, you have every right to consult a public adjuster.
If your hurricane claim is not progressing the way you think it should or you didn’t get the settlement you hoped for, hiring a public adjuster is a wise course of action. They will save you from the hassle of dealing with complex procedures and take care of every tiny detail on your behalf.
Hurricane claims are complex. The typical policyholder can’t – and shouldn’t – deal with the claim all by himself or herself. The inspection of damage, valuation, negotiation, and settlement must be performed carefully. Following all the steps recommended by a professional public adjuster like ProFloridian Claims Consultants will guarantee your hurricane claim is filed successfully and accepted.