Hurricane or Storm
Hurricanes have high-velocity winds that can cause catastrophic damage to your property such as roofs blowing away, flooding, or complete destruction. Damage can be extensive and may leave you displaced from your residence.
While a hurricane can cause overwhelming damage, Your Public Adjuster can help you navigate your claim during this stressful time and provide you peace of mind. We untangle the complexity of your claim which gives you, the homeowner, the confidence that your claim will receive the full value of repair or replacement to make YOU whole again.
Water damage can result from visible or hidden pipe breaks or bursts within the wall or below the slab, pipe leaks, shower pan leaks, air conditioning or water heater line leaks, and kitchen and bathroom leaks among others.
These issues can lead to very costly damage to your property that cannot always be seen until repairs begin. Therefore, when we inspect your property, we use the latest technology to determine the extent of the damages, providing valuable claim insight. We strongly recommend you contact Your Public Adjuster FIRST, as we often find damage your insurance company will miss.
Water damage is one of the most common reasons for filing an insurance claim with your carrier. While coverage can exclude perils like flooding or sewage backup, a homeowner’s policy typically covers other sudden or internal perils like a burst pipe. It is important to know if your homeowner’s policy has a water limit or exclusions that could affect your claim’s outcome. Your Public Adjuster can analyze your policy, inspect your damages, and provide honest recommendations at no expense to you.
Tornadoes produce winds varying from a minimum of 65 mph to over 200 mph creating flying debris and massive destruction along their path. This devastation can cause your home to become unlivable within seconds. A tornado is a covered peril under your homeowner’s insurance policy and sometimes has a separate wind deductible.
We recommend you contact Your Public Adjuster FIRST to assist with your insurance claim and policy concerns. Our expertise in wind damage and tornadoes allows us to determine the extent of the damage and what the next steps with your insurance claim will be.
For more information on tornadoes visit: https://www.nssl.noaa.gov/education/svrwx101/tornadoes/
Floods have the potential to be quite dangerous, as well as damaging. This overflow of water can be associated with rising, flowing, seeping, or discharge from a surrounding body of water or from an excess of rainwater.
If the water came from inside your home, such as from the toilet, pipes, shower, or sprinkler lines in the yard this is NOT considered a flood and is likely covered under water damage with your homeowner’s policy.
Flood insurance covers both the building and its contents. Remember that it is crucial to know exactly what your insurance policy covers and what it does not cover. As always, contact Your Public Adjuster FIRST to assist with your insurance claim and policy concerns.
Often, Florida windstorm claims involve shingle damage, trees falling on your property, fences blown down, and leaky windows. This type of damage can also bring hidden unforeseen damages that may not be documented upon the initial insurance company’s assessment of your property.
Damage caused by wind is covered in most homeowners’ insurance policies, however, there can be ambiguous exclusions or limitations which may cause your claim to be underpaid or denied.
As always, contact Your Public Adjuster FIRST to assist with your insurance claim and policy concerns. Our expertise in damage assessments allows us to determine whether the damage has been caused by wear and tear or a covered peril, such as wind/hail, debris impact, or direct physical damage.
Mold damage claims can be complex issues as insurance policies have various limitations when dealing with mold. Certain insurance policies either limit the payments that can be made or exclude them altogether. Mold from water damage, flood damage, AC overflow, plumbing leak, toilet overflow, a burst pipe, leaky pipe, or some other accident or natural disaster are all common scenarios here in Florida. It is important to act fast when evidence of mold is seen to avoid any health risks.
The trained staff at Your Public Adjuster can fully investigate the cause and origin of the mold so that we may properly report it to your insurance company.
While some roof leaks are associated with wear and tear, which is not covered in your policy, most roof leaks in Florida are potentially weather-related. Roof leaks can cause interior ceiling damage. These damages can range from mild water stains to harmful mold and extensive/destructive hidden damage.
While the insurance company may miss pertinent damage resulting in an under deductible payment or a denial, this does not mean you, the insured, are without coverage.
As always, contact Your Public Adjuster FIRST to assist with your insurance claim and policy concerns. Our expertise in roof evaluations allows us to determine whether the roof has been damaged due to wear and tear or a covered peril, such as wind/hail, debris impact, or direct physical damage.
Fire & Smoke
A fire claim can prove to be a very harsh reality. It is important to obtain a copy of your fire report and to document all your damaged contents. Fire losses not only cause damage from the flames, but smoke damage is another serious issue. The overall damage from a fire must be properly investigated and documented for you to be indemnified.
Your Public Adjuster will help if you’ve had a house fire, as you are probably displaced from your home and have immediate needs like clothing and supplies. While the overwhelming damages of the fire can cause undue hardship and stress, our expertise in fire and smoke claims can help you navigate the claims process while maximizing your claim’s value.
Hail is possible within two nautical miles of the parent storm in any thunderstorm, meaning hail can occur practically anywhere if the natural conditions permit. Hailstones can range from the size of a pea to the size of a grapefruit. When a hailstorm occurs, it can cause significant damage to homes, businesses, and other property, which may require you to file an insurance claim.
Hailstorms can cause dents in aluminum siding, shingles, and gutters, or even crack vinyl siding, asphalt roofs, and wood shakes. Hail can cause considerable damage to any soft metals such as metal roofs, mailboxes, air conditioner units, and screened enclosures. Essentially, anything exposed to the elements becomes vulnerable to damage during a hailstorm.
We recommend you contact Your Public Adjuster FIRST to assist with your insurance claim and policy concerns. Our expertise in hail damage allows us to determine whether the damage has been caused by hail impact and what the next steps with your insurance claim will be.
Lightning is a giant spark of electricity in the atmosphere between clouds, the air, or the ground. Lightning strikes can cause damage to a wide range of personal property, including roof structures, appliances, furniture, and electronics. A lightning strike can be up to ten miles long and is attracted to conductors like pipes, metal roofs, and trees.
We recommend you contact Your Public Adjuster FIRST to assist with your insurance claim and policy concerns. Our expertise in lightning claims allows us to determine the extent of the damage and what the next steps with your insurance claim will be.
In recent years, thefts, vandalism, and malicious mischiefs have become more and more prevalent. Certain policies have precise wording that can limit what can be claimed during any of these types of losses. Examples of these types of claims range from unhappy tenants who vandalize the home before leaving, home invasions, and burglaries.
We recommend you contact Your Public Adjuster FIRST to assist with your insurance claim and policy concerns. Our expertise in theft, vandalism, malicious mischief claims will allow thoroughly document your loss and leave no stone unturned when it comes to your damaged belongings and property.
Commercial Loss/Loss of Business Income
We understand when a loss occurs to your business, your first impulse as the owner is to do whatever is necessary to mitigate the loss and resume operations as quickly as possible. It is important to be patient and diligent while understanding the claims process could be extensive.
It is important to have your commercial policy reviewed by the experts at Your Public Adjusters so we can properly report your loss. Loss of Business income claims can be detrimental to any business. Understanding your coverage is crucial when reporting these types of claims. Our experts at Your Public Adjusters can assist you in determining the true extent of your business loss.
Types of commercial losses we cover
· Condominium & Homeowners Associations
· Hotels & Restaurants
· Industrial Parks & Warehouses
· High Rise Office Towers & Professional Offices
· Medical Facilities
· Municipal Claims
· Business & Industrial Claims
· Convenient Stores & Gas Stations
Here’s more information on hurricane coverage and things to consider
While Hurricanes are common to the state of Florida, homeowners can take multiple steps to make sure they are prepared for such disasters.
The unexpected consequences of a hurricane a home or business owner should recognize or consider:
Coverage B — Other Structures
It is important to know what your coverage limit is for your other structures, also known as Coverage B. Items or structures that are Coverage B are:
- Detached Garage
- Barn/Pole Barn
- Detached Mother-in-Law Suite
- Fences not attached to the dwelling/house
If these items are destroyed, do you have enough coverage to replace them?
Coverage C — Personal Property (Contents i.e., clothing, furniture, belongings you would take with you when you move)
Coverage C, also known as personal property or contents, covers your personal belongings.
It is important to have pictures of your clothes, belongings, and photos of all the rooms before a storm hits. After the storm, your items may be gone or extensively damaged. Having pictures of the items before a storm allows you, the insured, to account for every item you own so it can be repaired or replaced.
Coverage D – Additional Living Expense or Fair Rental Value
After a disaster, your home or rental property may be deemed unlivable. If you must live elsewhere, does your policy have enough Additional Living Expense (ALE) to pay for temporary housing or a hotel for an extended period?
If you have a rental property, it is important to have enough Coverage D or Fair Rental Value to cover the loss of income.
Make sure you are keeping track of your food receipts as well as temporary repairs, fuel, lodging, and necessary supplies while not being able to live in the home.
Do you have a storage unit?
Were the contents in the units damaged due to the storm?
Like contents/personal property, make sure to take photos of the items within the storage unit so they can be accounted for should something happen to the facility.
Get all receipts for clean-up, even if you paid cash. Your insurance company will reimburse you for having to clean up the property and remove trees or debris that are preventing access to the home.
This includes tree haul off, water mitigation, emergency tarping, board up, and temporary repairs/power.
Items such as jewelry, guns/firearms, furs, trailers, and antiques.
If you own these items, are they properly covered within your policy?
Civil authority clauses are standard in property insurance policies for both businesses and homeowners, outlining the situations in which business interruption insurance—insurance coverage that replaces business income lost in a disaster—is extended. The clause indicates whether the insurer will pay for business income losses in the case that a civil authority prevents the policyholder from accessing the premises covered by the policy, such as a natural disaster or another life-threatening event. This includes business and residential losses.
Property insurance often covers lost income while a business is closed due to property damage but doesn’t always contain provisions that protect a business that is unable to reopen after an evacuation. In addition, a homeowner that is not allowed access due to the civil authority event, may be entitled to additional living expenses or fair rental value.
If you are concerned with a possible civil authority loss, contact Your Public Adjuster FIRST to assist with your policy concerns. Our expertise in civil authority claims allows us to determine the extent of your loss and what your next steps should be.