Public Adjusters for Tornado Insurance Claims in Florida

Tornado Claim: Home damaged by tornado.

A public adjuster can help make the most of your insurance policy when a tornado hits your home. 

Did you know that the area between Tampa Bay and Fort Myers gets the most tornadoes in Florida? Florida has one of the highest rates of tornado incidents per square mile in the United States. If you live in the area, you know that a “near normal” tornado season counts 12-17 named storms, but in 2023 more than 20 named systems made the news. This is why standard home insurance policies cover tornado damage. Should a tornado storm damage parts of your home, you can file a tornado insurance claim with your insurance policy to rebuild the damaged part. 

When a tornado tears through your home, you need a reliable ally to help you with the complexities of insurance claims. This is where Fraser Public Adjusters steps in. With Fraser Public Adjusters by your side, you know you will receive the maximum compensation you deserve from your insurance company.

Filing a Tornado Claim

Tornado damage claims can be complicated. The process of filing a tornado claim with an insurance company can be overwhelming, especially when you also have to take care of your family, job, and emotional distress due to your property damage. 

It’s easy to miss crucial deadlines while filing an insurance claim or get lost in the insurance paperwork. With Fraser’s public adjusters, you know that every aspect of your claim is handled professionally and efficiently. You can focus on your family and rebuilding your life because we take care of the rest.

Fraser Public Adjuster: Your Advocate for Tornado Insurance Claims

Tornado damage can be heart-wrenching, as you see your home destroyed by the force of the wind. Let us help you get back on your feet quickly! 

Unmatched experience in tornado claims

Our team brings years of experience specifically in dealing with tornado-related insurance claims. We manage every step of the process, from meticulously documenting the damage to filing the necessary paperwork and negotiating with your insurance company. This expertise gives you the freedom to concentrate on what matters most: your family and your recovery.

It can be difficult to understand the nuances of insurance policies in tornado damage claims. Our adjusters are professionals who can interpret the fine print in your insurance policy and make sure the rules and regulations apply to your case. We leverage this knowledge to ensure you get the most out of your claim.

Rapid response, remarkable results

After a tornado, we know how crucial it is to start the recovery process as soon as possible in order to cover the cost of repairs fast, to prevent further damage or losses, and to put your family life back on track. 

Our commitment is to maximize your claim efficiently and help you repair and restore your home in a reasonable timeframe. Our team’s deep understanding of the insurance claims process lets us work swiftly for a smooth and expedited resolution.

Commitment to excellence

Our reputation is built on years of providing outstanding service and a steadfast commitment to successful outcomes. Trustworthy, professional, and always available, our Fraser public adjusters are dedicated to guiding you through the insurance filing process. 

Your dedicated public adjuster will keep you informed and in control every step of the way so that you know exactly when you are getting your rightful compensation. We’ve assisted countless homeowners in securing fair and just compensation for tornado damage. Let us extend our expertise to you.

Handling the Tornado Damage Claim Process in Florida

Our public adjusters have filed for hundreds of tornado insurance claims and know the filing process. With our guidance, your claim will be supported by evidence and based on the insurance policy you have been paying, so that your insurance company meets its obligations.

Assessment of tornado damage

A tornado can have several destructive effects on your property, including water damage, wind damage, fire damage caused by power lines, structural damage from tree falls or floods, loss of use of your property, loss of personal belongings, and more. The initial step involves a thorough assessment of the exact tornado’s impact on your property. Our team documents every aspect of the tornado-related damages suffered by your property through photos, videos, and detailed reports.  

Reviewing your insurance policy

We closely review your property insurance policy to determine the coverage for natural disasters you are entitled to, considering any deductibles and limits. Typically, a standard homeowners insurance policy includes dwelling coverage, personal property coverage, and additional living expenses (ALE) in case you need to live in a hotel for a while. After a tornado, you may claim compensation for all three types of tornado insurance coverage.  

You may also have a flood insurance policy or be covered by special terms and conditions such as an extended or guaranteed replacement cost coverage to ensure all possible damage is covered. Or, perhaps, you have signed wind deductibles and coverage limits that can create gaps in coverage. Whatever the case, we will go through your home insurance policy to optimize your claim and ensure you get the compensation you deserve.

Timely reporting and filing

Prompt reporting of the damage is crucial. We make sure we meet the strict deadlines set by insurance policies so that you file a tornado claim in a timely manner.

Negotiating with insurance adjusters

When the insurance adjuster visits, our public adjuster is there to make sure that our documentation aligns with the actual damage observed. We advocate for you if the insurance company’s repair estimates fall short of what’s needed for your home repairs or replacement works. 

Ensuring fair compensation

Our role is to challenge low estimates and fight for higher compensation, if necessary, so you can fully repair your home without undue financial strain. After all, that’s why you have been paying home insurance for all these years. 

Common Pitfalls in Tornado Damage Claims

Tornado damage claims can be challenging

Insurance adjusters sometimes underestimate damages to pay less. Other times, insurance companies deny or delay claims, which can be extremely frustrating. 

With Fraser Public Adjusters, you know that the documentation you have supplied is complete. We address discrepancies in repair cost estimates and maintain clear communication with insurance companies until you have received the compensation you deserve. 

We decipher complex policy language so that you fully understand your coverage and rights.

Fraser Public Adjusters: Your Partner in Tornado Damage Claims

As your public adjuster, we represent your interests and help you navigate the complex home insurance claim process. Fraser Public Adjusters brings expertise and dedication to your tornado insurance claim. We’re committed to ensuring you receive fair and adequate compensation and are always there to support your case and fight for what is right. 

In addition, we can help you file a claim if your business has suffered from a tornado. If you own a standard commercial policy, a commercial property insurance policy, or a business interruption insurance policy, we are here to ensure you get fair compensation. 

Contact us today for more information on our services and let us help you with your tornado damage insurance claim. Call Fraser Public Adjusters, because even after the most devastating tornado, we’ll assist you with filing your tornado claim as soon as possible, help you find the silver lining, and start anew!

Tell us about your claim

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Common Claim Types

Claim Types: We Handle All Types of Insurance Claims

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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

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

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

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

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

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

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

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.

Fraser Property and Adjusting - 13+ Years of Practicing

Reviewing Your Policy

Estimating Your Damages

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Based on 68 reviews
Jakelin Edmondson
Jakelin Edmondson
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
Parking was great.
Eli Bloom
Eli Bloom
Claudin Fils Aime
Claudin Fils Aime
Keertee Maharaj
Keertee Maharaj
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
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
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
Lauretta Deas
Lauretta Deas

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Florida Public Adjusters

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.


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Phone: (305)-614-2851
Address: 16375 NE 18th Avenue
Suite #201,
North Miami Beach,
FL 33162

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