Public Adjusters for Hurricane Damage Claims in Florida

How Fraser Property & Adjusting Can Help You with Your Hurricane Damage Claim

damage caused by a hurricane
Hurricane Claim: Home Damaged by Hurricane

If your home has been damaged by the storm surge, extreme winds, and torrential rains of a hurricane, Fraser Property & Adjusting is here to help you handle the complex process of filing a damage claim. Our team of experienced hurricane damage claim adjusters will work closely with you to ensure you get compensated the amount you deserve, according to your hurricane insurance policy. 

We understand that dealing with the aftermath of a hurricane can be overwhelming, which is why we take care of all aspects of your claim, from documenting the damages caused by the natural disaster to negotiating with your insurance company. 

With our in-depth knowledge of homeowners policies and regulations, we will fight to ensure you receive the maximum compensation you deserve. Don’t go through this challenging time alone — let Fraser Property & Adjusting be your trusted partner in the insurance claims process for business and home wind damage, water damage, tornado damage, damage from flooding, and more.

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Our Experience and Expertise in Handling Hurricane Claims

At Fraser Property & Adjusting we have extensive experience and expertise in handling hurricane damage claims for homeowners. We have offered our services to homeowners and businesses in the State of Florida for years and we know how hurricanes can wreak havoc on homes. 

Professional Public Adjusters in Florida for Hurricane Claims

Backed by years of working in the field, we understand the complexities and challenges that come with filing a hurricane claim. Our team of professional adjusters can assess and document the extent of the damage caused by hurricanes, from structural damage to personal property loss and additional living expenses. 

We will review your insurance policy to determine the costs and damages it can cover, to make the most out of it, whether you have a standard homeowners insurance policy, a commercial property insurance, or a small business policy, with or without additional coverage. We will also examine how you can file a claim to get compensated for flood damage, if necessary, and do the complex calculations for actual cash value or replacement cost policies.

We work closely with homeowners to ensure that their claims are accurately filed and that they receive the maximum compensation they are entitled to. Our knowledge of insurance policies and regulations allows us to navigate the claims process efficiently and effectively. When you choose Fraser Property & Adjusting you can trust that your hurricane claim is in capable hands.

Efficient public adjusters

Our commitment is to provide exceptional customer satisfaction and ensure fair compensation for our clients. We strive to make the claims process as smooth and efficient as possible, advocating for homeowners every step of the way. Our team of public adjusting experts will thoroughly assess the damage and negotiate with insurance companies to secure the maximum compensation you deserve. 

Customer satisfaction and thorough communication

We believe in transparent communication, keeping our clients informed throughout the entire process. We want our clients to feel they are in full control of the insurance filing process. With Fraser Property & Adjusting, you have a trusted and reliable advocate for your hurricane damage claim. 

How to Prepare for And Recover from a Hurricane

Preparing for, and recovering from, a hurricane can be a daunting task. With the right steps, however, homeowners can minimize damage and expedite the recovery process. 

Create an emergency plan

Before a hurricane, create an emergency plan, including evacuation routes and a communication strategy with family members. 

Stock up on essential supplies such as non-perishable food, water, batteries, and first aid kits, and make sure you have some money available in cash. Additionally, secure outdoor furniture, trim trees, and reinforce windows and doors to help protect the home. 

After the hurricane

Following a hurricane, assess the damage and the cost to repair or replace and document them thoroughly for insurance purposes.

Contact a hurricane damage claim adjuster, like Fraser Property & Adjusting for expert assistance in navigating the claims process and maximizing the insurance payout. 

Prioritize safety during the recovery phase, and only re-enter the house if it is deemed safe by authorities. Clean up debris, dry out the property, and seek professional assistance for repairs once it’s safe to restore the home to its pre-hurricane condition.

Tips for Protecting Your Property Before a Hurricane Strikes

As homeowners, take proactive steps to protect your private property before a hurricane strikes. Here are some essential tips to keep in mind:

  • Secure Loose Items: Remove any loose objects from your yard, such as patio furniture, grills, and garden tools. These items can become dangerous projectiles during strong winds and cause damage to your property or neighboring homes in your community.
  • Reinforce Doors and Windows: Install storm shutters or plywood panels to protect your windows and doors from strong winds and flying debris. Reinforce garage doors to prevent them from collapsing under pressure.
  • Trim Trees and Shrubs: Trim branches and limbs that are close to your home to minimize the risk of them falling onto your property during the storm. This will help prevent damage to your roof, windows, and other structures.
  • Clear Gutters and Downspouts: Ensure that your gutters and downspouts are clear of debris to allow for proper water drainage. Clogged gutters can lead to water backup and potential flooding during heavy wind-driven rain.
  • Secure Important Documents and Valuables: Store important documents, photographs, and valuable items in waterproof containers or safes. Consider making digital copies of important documents and storing them securely online.
  • Review Insurance Coverage: Before a hurricane, review your insurance policy. Understand your policy’s hurricane deductible, exclusions, and limitations. Remember that the cheapest home insurance is not always the best home insurance. Make sure that you have adequate coverage for potential storm damage and consider a separate flood insurance policy if flood damage is a high risk in your area, and especially if your community participates in the National Flood Insurance Program.
  • Create an Emergency Kit: Prepare an emergency kit with essential supplies such as non-perishable food, water, flashlights, batteries, first aid supplies, and a battery-powered radio. Keep this kit easily accessible in case of power outages or evacuation.

This way, you can help protect your property and minimize potential damage during a hurricane. Stay informed about weather updates and evacuation orders from local authorities to ensure the safety of yourself and your family during natural disasters!

Steps to Take After a Hurricane Hits Your Property

After a hurricane hits your property, take immediate action to ensure your safety and file your claim to start the compensation process. Here are the steps to take:

  • Safety First: Before entering your property, confirm it is safe to do so. Check for any structural damage, downed power lines, or gas leaks. If there are any immediate hazards, contact the appropriate authorities and utility companies.
  • Document the Damage: Take photos or videos of the damage to your property, both inside and outside. This visual evidence will be crucial when filing a claim.
  • Contact Your Insurance Company: Notify your home insurance company as soon as possible to report the damage. You need to provide them with detailed information and documentation of the damage to ensure your insurer will pay top compensation.
  • Mitigate Further Damage: Take steps to prevent further damage to your property. This may include covering broken windows, tarping damaged roofs, or removing debris.
  • Keep Records: Keep thorough records of all communication with your insurer, including dates, times, and the names of the representatives you speak with. Also, keep track of any expenses you incur during the recovery process.
  • Hire a Public Adjuster: Consider hiring a professional public adjuster, like Fraser Property & Adjusting to support you and help you navigate the insurance claim process. You need to file your claim fast and in an accurate manner, while you also have to take care of your family and personal finances after a disaster. Our public adjusters will take some of the burden off your shoulders. They will work on your behalf to ensure you receive a fair settlement for your hurricane damages based on your homeowner’s policy’s terms and conditions.

The aftermath of a hurricane can be overwhelming. The steps above, coupled with professional assistance, can make the whole process easier and more accessible. That’s how you can get what you are entitled to according to your insurance policy.

Common Mistakes to Avoid When Filing a Hurricane Claim

Filing a hurricane claim can be an overwhelming process for homeowners. 

To maximize your financial benefits and ensure your hurricane claim is successful, there are some important common mistakes to avoid. 

Don’t delay filing your hurricane claim

One common mistake is delaying the reporting of damages to your insurance company. Report the damages as soon as possible to initiate the claims process promptly. Many people in your area will be in the same position and you want to be first in line with your insurance company, otherwise it can take a long time before you get compensated. Insurance companies have deadlines regarding filing claims after a hurricane, so make sure you are well within the timeframe. 

Thoroughly document the damage 

Another mistake is not documenting the damage properly. Take detailed photographs and videos of all the affected areas and items to provide strong evidence for your claim. 

Don’t accept the initial settlement offered by your insurance company

Be cautious about prematurely accepting the initial settlement offer from the insurance company. Review your insurance policy and understand the full extent of what your insurance policy covers. Consult with a professional hurricane damage claim adjuster, like Fraser Property & Adjusting to ensure you receive the maximum compensation you are entitled to. 

These are common mistakes that you can avoid to help your claim process. If you feel that your insurance company will not pay you the rightful compensation for hurricane damage, call on Fraser Property & Adjusting for guidance and our public adjusters will advocate for your case and make sure you get the legitimate compensation you deserve.

Common Claim Types

Claim Types: We Handle All Types of Insurance Claims

Hurricane Damage

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We assist homeowners overwhelmed by the number of claims during hurricanes, such as wind Damage Claims or tornado damage claims. This ensures that you have someone dedicated to your needs.

The State of Florida is regularly exposed to hurricane incidents, so hurricane insurance is always necessary. With Fraser Public Adjusters, you can have the best team advocating for you, so you get paid exactly what you deserve.

Water Damage

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Water claims are the most common kind of daily claim but can often get overlooked.

Many homeowners are unaware of their water and pipe damage coverage, and assume that storm damage or flood damage is minimal or not worth claiming. At Fraser Property and Public Adjusting, your public adjuster will assess the roof damage, review your policy, and let you know your damage claims. Why should you pay for the damage with out-of-pocket money when your insurance policy covers water issues?

Fire Damage

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Fire damage can be the most devastating of all damage, typically coming as a complete surprise and leaving the homeowner completely helpless; sometimes even homeless and without basic necessities like clothing.

The claim process and the Florida Laws and statutes typically provide you with all the coverage you need. While you piece your life together and build up emotional support for you and your family, we provide you with peace of mind.

You don’t have to take care of any dealing with your insurance company because we handle the whole process for the property damage.

Vandalism Damage

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Your home just got vandalized and you’re probably not in the mood to deal with your insurance company. Make sure to file a police report and contact Fraser Property and Adjusting right away. Your Public Adjuster will do all the work for you and take that additional stress off your back.

Roof Leaks

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Following hurricanes, tornadoes, or other windstorms, the most vulnerable and consequential damage is those to the roof. The roof repair is typically the costliest and damages your sheathing, causes interior leaks on your ceiling and walls, and may damage flooring as well.

Insurance companies may try to minimize your damage or simply miss some of the damaged areas. Your Public Adjuster will work to include all of the rights you are entitled to so your roof is repaired fully and your home is protected.

Flood Damage

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Flood damage is common in Florida because our state is prone to hurricanes and heavy storms. Unfortunately, flood damage and flood claims have a unique process since they are typically not covered by your standard Homeowner’s Insurance Policy.

The rules and regulations are different but your public adjuster at Fraser Property and Adjusting will be there for you to determine when and how to file your claim, and how to appeal if necessary.

Mold Damage

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Do you know that mold builds up after only 24 to 48 hours of flood? Mold damage can be the worst health-related damage to a variety of claims, from flood damage to windstorms and water damage. Mold is a typical outcome in Florida following any of these, due to the heat and humidity.

Your public adjuster at Fraser Property and Adjusting will know just how to compensate you for your damage and bring your home back to a healthy environment.

Loss of Business Income

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As a business owner, your insurance policy covers more than just paying for the repairs of your building structure. It covers the loss of business income resulting from the damage created.

The process is more complex than your average homeowner’s claim, and you’ll need the expertise of a Public Adjuster who specializes in commercial claims. At Fraser Property and Adjusting, we have the Florida Public Adjusters you need.

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What is a Public Adjuster and How Can They Help You with Hurricane Damage Claims?

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A Public Adjuster or Public Insurance Adjuster is your Advocate who handles your Hurricane Insurance Claim for you and you only. Accordingly, our only allegiance is to the Homeowners we represent.  The Insurance Adjuster, whether he’s employed directly by the Insurance Company, or whether he’s an Independent Adjuster subcontracted by the Insurance Company, represents the Insurance Company. Moreover, following Hurricanes and major catastrophes, Insurance Companies are typically overwhelmed. By using a Public Adjuster at Fraser Property and Adjusting you’re Balancing the Scale, allowing you the same know-how and expertise the Insurance Company has, and getting your own personal advocate. Public Adjusting consists of Filing an Initial Insurance Claim for Property Damage that hasn’t been filed. Additionally, reopening or supplementing an already opened insurance claim. Secondly, independently assessing the damage to negotiate and finally settle your Hurricane claim.

The Benefits of Hiring a Public Adjuster for a Hurricane Claim

When it comes to dealing with the aftermath of a hurricane and filing an insurance claim for damages, hiring a public adjuster at Fraser Property and Adjusting offers numerous benefits for homeowners. One of the main advantages is the expertise and experience in handling hurricane claims. Our Public adjusters are knowledgeable in the insurance industry along with the specific policies and procedures involved in hurricane damage claims. We navigate the complex process for homeowners, ensuring that all necessary documentation and evidence are gathered to support the claim. Additionally, our public adjusters accurately assess the value of property damage and negotiate with the insurance company on behalf of the homeowner to ensure a fair settlement. This relieves homeowners of the stress and burden of dealing with the insurance company directly, allowing them to focus on recovering and rebuilding their homes. Hiring our team of public adjusters ultimately leads to a faster and more favorable resolution of the hurricane claim, maximizing the financial recovery for homeowners.

The Process of Working with a Public Adjuster for a Hurricane Claim

When navigating the complex process of filing a hurricane damage claim, working with a public adjuster can be incredibly beneficial for homeowners. The first step in the process is to contact a reputable and experienced public adjuster, like Fraser Property and Adjusting, who specializes in hurricane claims in Florida. The adjuster will then schedule a visit to assess the damage to your property and gather all necessary documentation, including photographs and repair estimates. They will also review your insurance policy to ensure you understand your coverage and rights. Once all the information is gathered, the public adjuster will compile a detailed claim package and submit it to your insurance company on your behalf. Throughout the process, the adjuster will negotiate with the insurance company to ensure you receive a fair and timely settlement. Having a knowledgeable and dedicated public adjuster by your side can alleviate the stress and frustration of dealing with the insurance company, allowing you to focus on restoring your home and life after a hurricane.

We Have Helped Our Clients Recover Millions of Dollars in Settlements

At Fraser Property and Adjusting, we take pride in our ability to help our clients recover millions of dollars in settlements for hurricane damage claims in Florida. Our team of experienced public adjusters understands the complex process of filing insurance claims and negotiating with insurance companies. We work diligently to ensure that homeowners receive the maximum compensation they deserve for their property damage. From assessing the

Hurricane Check

Hurricane Check

extent of the damage to documenting the losses and advocating for our clients, we are committed to providing top-notch service and achieving successful outcomes. With our expertise and dedication, homeowners can trust us to navigate the claims process and fight for their rights. If you have suffered hurricane damage to your property, don’t hesitate to reach out to Fraser Property and Adjusting for professional assistance and peace of mind.

Excellent
Based on 68 reviews
Jakelin Edmondson
Jakelin Edmondson
2023-10-24
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I am grateful to this company, highly recommended. Abraham thank you for everything you did for us, you are a blessing.
Elizabeth Samuels
Elizabeth Samuels
2023-07-13
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Parking was great.
Eli Bloom
Eli Bloom
2023-04-05
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Claudin Fils Aime
Claudin Fils Aime
2023-01-02
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Keertee Maharaj
Keertee Maharaj
2022-11-08
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I want to especially thank Abraham and his team for helping me with my claim. He went above and beyond to make this process as seamless as possible. The claim was settled and we received sufficient funds for our home repair. I strongly recommend Fraser Property & Adjusting Inc. Thanks again for all your help.
Eris Neal
Eris Neal
2022-03-25
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The quality of work Fraser property provides is excellent. They are very attentive and make sure every homeowner is satisfied. I had the pleaser of talking with David M, he is very personable, strategic and experienced . Meeting with him for a short while it was made known he wants the best for his clients.
Lady Elizabeth Amari- Brady
Lady Elizabeth Amari- Brady
2021-08-06
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Excellent customer service. People who are trustworthy. Very smart and professional people. I would recommend them 1,000 times over....*****five 🌟 ⭐ stars 🌟 ✨ 💛 💖
Herb Lecounte
Herb Lecounte
2021-01-19
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Lauretta Deas
Lauretta Deas
2020-08-13
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A Public Adjuster or Public Insurance Adjuster is your Advocate who handles your Hurricane Insurance Claim for you and you only.

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Fraser Property & Adjusting Inc. is a leader in the Insurance Claims Industry and has satisfactorily recovered thousands of claims for Home and Business owners and HOAs. We strive to provide unparalleled service for our clients by addressing their needs.

EXPERT PUBLIC ADJUSTERS IN IN FLORIDA

The types of damage to property that can occur during a hurricane in Florida varies. Most commonly, flying debris can break windows, walls and roofs and water infiltrating into a property. Moreover, wind can penetrate a home, and in turn, generate pressure that causes the roof to rip off. It is this scale and severity of hurricane damage that makes people glad they’re insured.

Being insured for hurricane damage is only a partial aspect of the recovery process when dealing with large scale natural disasters. Recovery begins when you file a hurricane damage claim.

The first step to getting you paid the maximum amount for your claim is to contact us at 305-614-2851 and we will personally handle your claim in any Florida county.

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Phone: (305)-614-2851
Address: 16375 NE 18th Avenue
Suite #201,
North Miami Beach,
FL 33162
Email: fraserproperty@gmail.com

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Hurricane Damage Claims FAQs

What should I do immediately after a hurricane?

After a hurricane, the safety of you and your family should be your top priority. Once it is safe to do so, inspect your property for any immediate dangers, such as downed power lines or gas leaks. Take photos and videos of the damage for documentation purposes and contact your insurance company immediately, either yourself or through a representative to report the damage.

Will my insurance cover all the damage caused by a hurricane?

The extent of coverage will depend on your specific insurance policy and the damage to your property. Most standard homeowner’s insurance policies cover Hurricanes and Windstorms unless you signed a specific exclusion or that is supposed to be provided by an additional carrier. However, flood damage typically requires a separate flood insurance policy, many are federally mandated. Many Homeowners are unfamiliar with policy language, so feel free to ask us any questions regarding your policy provisions as well as the claims process. Remember knowledge is king, and we’re here to educate.

How long do I have to file a hurricane damage claim?

The time limit to file a hurricane damage claim will vary depending on Legal Statutes, and possibly your policy. Laws change fairly frequently, and statutes need to be clarified to see when they’re effective. It is recommended to file the claim as soon as possible after the hurricane to ensure a timely response. Delays in filing a claim may result in complications or potential denial of coverage.

Should I hire a public adjuster for my hurricane damage claim?

Hiring a public adjuster like Fraser Property and Adjusting reduces the time and stress, and allows you the expertise necessary to settle your claim and ensure you receive a fair settlement. Moreover, if you’ve already been denied or underpaid, we can reopen or supplement your claim; as well as speed, up the process.

What documents and evidence should I gather for my hurricane damage claim?

To support your claim, gather as much documentation as possible. This includes photographs and videos of the damage, receipts for any temporary repairs, estimates for repairs or replacements, and any other relevant documentation such as insurance policies and correspondence with your insurance company. If you have prior photos and inspections, these may also be helpful as a comparison.

Remember, every insurance claim is unique, and it is important to consult with a professional to understand your specific situation and options. If you have any further questions or concerns, don’t hesitate to reach out to our team at FRASER PROPERTY & ADJUSTING for expert advice and assistance with your hurricane damage claim.

Put Fraser Property & Adjusting In Your Contacts Now!

damage caused by a hurricane

If your home has been affected by flood damage, FPA is here to help you navigate the process of filing a flood damage claim. Our team of experienced flood damage claim adjusters understands the challenges homeowners face when dealing with insurance companies and the complex nature of flood damage claims. We will work closely with you to assess the extent of the damage, document the losses, and negotiate with your insurance provider to ensure you receive a fair and timely settlement. Our expertise in flood damage claims allows us to accurately estimate the cost of repairs and advocate for your rights as a homeowner.

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