HURRICANE DAMAGE

All property owners are well aware of the destructive power that a Hurricane or Tropical storm can cause. Wind damage causes a variety of issues to an insured’s home or business. With the increase in tropical activity occurring over the past several years, it is very important for home owners to purchase Windstorm/ Hurricane Insurance to protect their assets.

During a Hurricane event, it is very easy for an insured to be overwhelmed with the damages caused to their property and be able to deal with the insurance company. Insurance companies are notoriously known for under valuing the total damages caused and inevitably under pay claims. Engaging the claim help from a trusted public adjuster will ensure your hurricane claim is given the attention and detail required to obtain quick and accurate insurance settlement.

The problem of hurricanes in Florida

Florida has a natural beauty that is admired by the world. However, just as this is a great attraction, there are also some difficulties typical of the area. One of them is the hurricanes that hit the region periodically, every year. So much so, that hurricane damage in Florida is one of the main concerns of the inhabitants. The costs of repairing the damage can be very expensive, in addition to the risk it represents for people’s lives.

For this reason, many people choose to take out specific insurance to protect their home against the effects of hurricanes and tropical storms. This ensures that hurricane damage in Florida will be covered by the company, or at least it should be. In many cases, insurance companies do not act in the appropriate way in these situations. In order to minimize expenses, insurers reject claims or accept them with amounts much lower than those that correspond.

Therefore, the problem of hurricanes in Florida is much deeper than the destruction of nature. Also the intervention of man can affect the lives of people, after they have suffered the destruction of their home. In these cases, having a public adjuster for hurricane damage in Florida can be an effective solution to guarantee the payment of the claim.

What damages are covered by hurricane damage insurance in Florida

There are many options and varieties of insurance, with different coverage, conditions and clauses. Depending on the type of insurance you have, different hurricane damages in Florida will or will not be covered. The most important thing is to carefully review your policy to be sure what damages fall within those covered by the company.

Hurricane insurance policies generally cover roof, wall, and floor damage caused by water and wind. That is among the most basic of hurricane insurance. Also included are doors and windows, which can be destroyed by the wind. The same happens with elements inside the home, such as furniture or appliances, which can be damaged for the same reasons.

In turn, there are also other indirect damages, such as those caused by objects that fly due to the storm, such as branches or trees. These hurricane damages in Florida may or may not be covered, depending on the insurance policy. Likewise, damages caused by second-degree events as a result of the storm, such as explosions or derived fires, are also counted. And, finally, we must take into account the expense of removing the debris in the days after the event. All this can mean a great expense, which is not always assumed by the insurance company.

How to make a claim effectively

Making a successful insurance claim is not as easy as it might seem. There are many aspects to take into account, which can be overlooked if you do not have the necessary experience and knowledge. The Florida hurricane damage claim process is often complex and time-consuming. In many cases, this is due to the strategies of the insurance company to reduce the payment, since the client will seek to reach a settlement as soon as possible.

Assessing the total cost of losses is extremely complicated and requires some technical knowledge. In addition, in many cases these damages continue to occur after the passage of the hurricane. It is common for the insurance clauses to include the legal duty on the part of the client to minimize the impact of the damage with all the tools available to them. This may mean putting down tarps or covering broken windows to prevent further water ingress. To know exactly these obligations, it is recommended to read the insurance policy carefully.

Regardless of the issues agreed in the contract, many insurance companies do not behave in the most appropriate way. Even if the claim for hurricane damage in Florida is valid and legal, insurers can refuse to pay. Another option is that they offer an amount much lower than what is necessary to cover all the expenses caused by the hurricane. Given these possibilities, it is essential to have with the help and advice of a professional public adjuster, such as Alconero & Associates.

Trust a Public Hurricane Damage Adjuster in Florida

Having the help of a public adjuster during an insurance claim can be decisive for a successful outcome. As we mentioned, insurance companies use different strategies to delay or interrupt processes, with the aim of achieving the lowest possible payment. They can even deny a Florida hurricane damage claim, even if it’s properly substantiated.

The public adjuster will help you through the process from the beginning, carefully reading the policy to know the legal coverage. This may sound simple, but it really isn’t. The technical language and endless clauses can present a difficulty for non-experts.

Then during the damage assessment, the insurance company will try to minimize costs as much as possible. An experienced public adjuster like Alconero & Associates will stand on the client’s side and perform their own assessment, taking into account all actual expenses resulting from the hurricane. Hurricane damage in Florida can incur extremely high costs, and if not covered by the company will have to come out of your own pocket, making the tragedy even worse.

Finally, the public adjuster will file your Florida hurricane damage claim in a timely manner, so there are no errors that allow the company to deny the claim. This will allow you not only to collect the maximum amount that corresponds to the case, but also to do so in the shortest time possible so that you can return to your normal life as soon as possible.