Public Adjusters for Tornado Insurance Claims in Florida

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!