Public Adjusters for Hurricane Damage Claims in Florida

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.