Functional vs. Cosmetic Damage: How They Differ & Can Each Affect Your Insurance Claim
Damage might just look like damage to you. But to your insurance company, there’s an entire network of factors that categorize your specific type of
Florida & The Gulf region unfortunately bear the brunt of these forces of nature. Extremely high winds, water intrusion, floods, storm surge, infrastructure failures, power outages, standing water, loss of interior climate control, mold, lack of resources and personnel access can all contribute to the severity of damage and the timeframe for recovery.
Commercial and residential property owners can experience everything from a full blowout to minimal roof damage. It’s our job as Public Adjusters, to assist in their recovery and provide an accurate measurement of damages.
Some effects of hurricane damage can include:
Other factors that can complicate these claims are:
Hire your team in advance of a Hurricane so that the recovery process is as fluid as possible.
President Pat Schibline of Indigo Condo Association in Perdido Key, Florida explains why he and his board brought in Altieri Insurance Consultants as their Public Adjuster to represent the Association through the claims process following Hurricane Sally. The board consisted of architects and engineers, but they needed the expertise of the Altieri adjusting team to have a timely, accurate, and appropriate claim settlement.
“Getting them involved early in the process helped us be able to weather the insurance storm, after the initial storm.”
Damage might just look like damage to you. But to your insurance company, there’s an entire network of factors that categorize your specific type of
It doesn’t take long for Tampa property owners to learn just how picky insurance companies can be. Not every loss is viable in their books,
Hurricane insurance works differently, particularly here in Florida. Why? Primarily because we get hit with them way more often than other states do. This is
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