COMMERCIAL STORM DAMAGE INSURANCE CLAIMS
Are you a property owner who has recently endured the wrath of a ferocious storm? The devastating impact of severe weather can leave businesses, homes, and other commercial properties in shambles, resulting in significant financial losses. As if dealing with the physical damage wasn’t enough, navigating the complex world of insurance claims can add another layer of frustration and confusion. The last thing you want to do is filling out all the paperwork and process needed for storm damage claims.
That’s where Peninsula Public Adjusters jump into action. Our dedicated team is a public adjuster for storm damage claims that provides you with the expertise and support you need to recover what’s rightfully yours. You’ll no longer need to worry about the whole stressful procedure as we will handle it. Say goodbye to the headaches, and let us guide you toward a smooth and successful claim journey.
Would a Scenario your House is Damaged by a Storm be Covered by Home Insurance?
Property owners often struggle with whether their home insurance policy will cover damages caused by strong storms. The truth is that standard policies protect your home and belongings from natural phenomena such as windstorms, hurricanes, and tornadoes. However, many policyholders are unaware of this coverage until it is too late.
Understanding the nuances of your policy is crucial to ensuring you receive the financial support you deserve during these challenging times. Our comprehensive services are tailored to help you as a property owner be clear of your coverage limits regarding storm-related damages and help you through the whole claim process.
After the storm, it's time to get back to normal.
Follow these steps from our Florida storm damage insurance claim experts to quickly recover the funds needed from your insurance company in order to rebuild your property to pre-storm conditions.
Pre-storm
Take photos and videos of your property in its current condition.
Ensure You Have Enough Coverage
Make sure you have enough/good coverage and no exclusions that can deny you coverage. Our storm damage insurance claim experts in Florida can help.
Get a Copy of your Insurance Policy
Keep a copy of your policy through pdf on your phone preferably if not a physical copy is fine.
Forward this policy to info@peninsulapublicadjusters to get a free policy review
Post-storm
How Long After a Hurricane Can I Make a Claim?
It all depends on your policy and the regulations set forth by your insurance provider. We generally recommend starting your claim process as soon as possible after a hurricane or a catastrophic storm. Promptly documenting the damages and contacting your provider will help expedite the assessment and resolution of your claim. However, it’s essential to understand the timeframes set by your agent or insurance company.
What Do Insurance Adjusters Look for After a Hurricane?
To make your process more effective and efficient, you must understand what an insurance agent will look for in your property after a hurricane to validate your claim. This will help you be prepared and gather any needed evidence. Here are some critical aspects that adjusters typically look for:
Structural Damage: the agent will thoroughly inspect the property for any structural damage caused by the hurricane. These include wind damage, water damage, roof, walls, foundation, windows, and doors.
Contents and Personal Property: then, adjusters will evaluate the damage to personal belongings and contents within the property, such as furniture, appliances, electronics, and other valuables. They document the losses and assess the coverage available for replacement or repair.
Documentation and Evidence: they will also request evidence and documentation supporting your claims, such as photographs, videos, and written descriptions of the damage.
Insurance policy: lastly, they will review your policy, confirming that everything looks okay and whether you are applicable based on all the information gathered.
How Do I Prepare for an Insurance Adjuster After a Hurricane?
Surely, the last thing you want to think about is gathering all the necessary documents and proof for your claim. However, it’s crucial to prepare in advance. Preparing for an insurance adjuster visits after a hurricane can significantly facilitate the claims process and ensure that you receive fair compensation for your damages. Some things you can do include:
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Document the Damage
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Keep records related to your property and insurance policy
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Mitigate Further Damage
Take photographs and videos of the damage for proof
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Review your policy
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Be Present During the Inspection
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Let a public adjuster help you
What are Some Insurance Tips for After the Storm?
Check with your PA to see how long you have to file a claim after the storm. Some give you 2-3 years after the date of the storm. This is good to know just in case leaks don’t appear right away, and show up months ahead or the next rainy season.
Make sure you stop any leaks and mitigate any damage as soon as possible. Your PPA adjuster can help you with this, and this can possibly be covered by your insurance company.
If you filed alone and got underpaid or denied by your insurance company, call PPA or fill in the form below to start today. We’ve helped many people across Florida with storm damage insurance claims and we can help you too!
Contact Peninsula Public Adjusters Today!
Don’t go through the whole insurance claim process alone! Our team has helped many property owners in Florida, and you can surely be one of them. Contact us today, and our experts will get hands on the job to get your claim moving forward. Get a free consultation today!
FAQs
Yes, insurance companies generally provide coverage for hurricane damage. Coverage may include wind and water damage from heavy rainfall and storm surges. Carefully review your policy, understand the coverage terms, and consider additional coverage options to ensure you have appropriate protection for hurricane-related damages. You can also look for the help of expert public adjusters to guide you so that you are fully aware of any special considerations.
While homeowners insurance typically covers a wide range of damages, certain weather-related damages may not be covered under a standard policy. These include flood and earthquake-related damages. You must review your policy carefully to understand the limitations and exclusions. Contact Peninsula Public Adjusters if you have further questions. We are sure to help you with your claim.
