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:

• Structural damage to exterior envelope of a building
• Windows
• Siding glass doors
• Roof systems
• Railings
• Paint & Siding
• HVAC

Other factors that can complicate these claims are:

• Policy coverage limits or exclusionary language
• Policy Sublimits
• Hurricane percentage deductibles
• Co-insurance penalties
• Time sensitive document filing obligations
• Wind driven rain
• Unscrupulous contractors
• Insurer experts identifying damages unrelated
• Lack of insurance company resources to properly investigate damages
• Insurer scheduling difficulties
• Mitigation obligations
• Reconstruction timeframes and Material and labor shortages
• Property access issues

Hire your team in advance of a hurricane so that the recovery process is as fluid as possible.