Public Adjuster in Tampa, FL

Hurricane damage can be a devastating experience for Tampa homeowners and businesses alike.

Unfortunately, hurricane insurance coverage can be difficult to understand. As a homeowner, you need to understand how your insurance company covers wind damage and water damage due to hurricane or hail damage. We can review your policy in detail to determine your exact rights and help you get the fair settlement you deserve after wide-scale wind and water damage caused by a hurricane.

When water damage strikes, make Fraser Public Adjusters in Tampa the next call after a water extraction company.

Water damage covers a wide range of scenarios, from burst pipes and leaks to flooding caused by storms or faulty appliances. This makes insurance policies difficult to grasp as some policies cover sudden and accidental water damage, such as a burst pipe, but often exclude damage from floods or gradual leaks.

We can review your insurance policy and advise you on what to do before a claim is initiated. This way, we can help make sure you get compensation for what has been damaged.

When you’ve lost everything in a fire, the last thing you want to worry about is battling your insurance to get compensation. Let FPA handle your claim and fight on your behalf.

Insurance coverage for fire damage is typically included in most standard homeowners and commercial property insurance policies. These policies generally provide protection for the repair or replacement of damaged structures and personal belongings, as well as additional living expenses in the case of a home becoming uninhabitable due to fire.

With Fraser Public Adjusters, you know you have a professional fire damage insurance negotiator by your side during the entire insurance claims process.

When vandalism occurs, your insurance company is responsible for the loss of property and damages from forced entry. Vandalism can include acts like graffiti, broken windows, or other forms of malicious harm. Many homeowners' insurance policies and commercial property insurance policies include coverage for vandalism as a standard provision.

Contact FPA to understand your policy and ensure you get the compensation you deserve.

It’s important to understand what is covered — and what isn’t — due to a roof leak. Insurance coverage for roof leaks typically depends on the cause and extent of the damage. Most standard homeowners' insurance policies cover roof leaks if they are the result of a sudden and unexpected event, such as a storm or falling tree. However, insurance may not cover roof leaks caused by wear and tear or lack of maintenance.

Contact FPA to get help understanding your policy and to start your claim correctly in order to settle your claim efficiently and repair damage due to a leak.

Like hurricane coverage, flood insurance is tricky to navigate, as insurance companies try to avoid getting hit hard after widespread flooding. Flood insurance covers damage caused by overflowing rivers, heavy rainfall, storm surges, and other water-related events. Property owners in Tampa should know that the area is prone to flood damage because of storms and hurricanes.

Hire a public adjusting firm to represent you and take the stress of dealing with insurance companies away from you. Contact FPA to find out what you’re entitled to, and let us fight for you.

Mold damage can have lasting effects on a building and its occupants. In most cases, standard homeowners' insurance policies do not cover mold damage resulting from gradual issues like humidity or lack of maintenance. However, they may provide coverage for mold if it is a direct result of a covered peril, such as a sudden and accidental water leak from a burst pipe.

FPA makes sure you get the most out of your mold damage claim to ensure complete mold removal and remediation.

When you face business interruption due to a natural disaster or damage, your insurance company should compensate you for the loss of business. Business owners can get insured to protect their Tampa business from financial losses resulting from events that disrupt their normal operations. These events can include natural disasters, fires, equipment breakdowns, or other unforeseen circumstances and can result in large loss claims. Hiring a Public Adjuster can help you face the intimidating insurance company’s legal team with experts on your side and ensure you will get fair compensation.

Florida often suffers from heavy hailstorms, causing hail damage to roofs and sidings.

When dealing with claims for hail and storm damage, insurance companies often allege pre-existing issues or wear and tear. We can help you navigate the complex hail coverage and document the damage and the condition of your home or business property for a favorable resolution.