FLORIDA HURRICANE DAMAGE

CLAIM ADJUSTERS

NO RECOVERY - NO FEE - NO RISK

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Team USA's Hurricane Adjusters

United States Adjusters are Hurricane Adjusting experts! Our public adjusters have adjusted thousands of Hurricane claims over the years and have extensive experience. Our Hurricane adjusting expertise includes Condominium losses, Condo Complex's, Commercial losses, and Residential losses. Our Adjusters have adjusted Hurricane claims, including Hurricane Ike, Hurricane Katrina, Hurricane Wilma, Hurricane Frances, Hurricane Jean and Hurricane Charley losses. With our Hurricane Adjusting experience, our knowledge of insurance policies, and our knowledge of State Statutes & Codes, United States Adjusters are second to none when it comes to adjusting Hurricane claims.

We welcome inquiries for our public adjusting services on all Hurricane damage claims.

• We will help you through this difficult and stressful time.
  
• When disaster strikes USA is here to help. With over 100+ years of combined experience adjusting Hurricane claims. Our public adjusters will work for you to maximize your recovery.
  
• It is good to have professional help on your side.
  
• We will meet with your Insurance Company adjuster to review the damage.
  
• While we are busy detailing, appraising, and documenting your claim, you can begin to think about plans to replace your damaged property.
  
• United States Adjusters, Inc vast experience adjusting claims allows us to suggest ways you can turn this disaster to your advantage by repairing and replacing in ways that will enhance the use and value of your property.
  
• USA's staff recognizes the emotional aspects of a major property damage claim. We are experienced in dealing with the emotional as well as the financial and technical aspects of your claim.
  
• We know what it takes to adjust your claim.
  
• We review your policy to identify all areas of coverage.
  
• We prepare your claim to maximize your recovery!
• Our services are cost effective making it a win / win  situation for you.

Hurricanes, Windstorms and tornadoes, can create massive destruction. When wind damage occurs, it can open the door to complicated ambiguities with insurance coverage during the adjustment process.

Regardless of the type of damage that you have experienced in your home of commercial property a licensed public adjuster like United States Adjusters can help you collect more money on your insurance claim.

Even if your insurance claim has been denied by the insurance company United States Adjusters can help you reopen a claim with your insurance company.
If your insurance company settled your claim and sent you a check which did not completelly cover your damages you have a legal right to receive a free consultation to see if your claim can be reopened in order to receive a fair settlement for your property damage claim.

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Hurricane Damage

If you have experienced hurricane damage, take precautions by following the tips below, and call us at 1(888)USA-ADJUSTERS to file a claim as soon as possible.

Immediate Action

• Make personal safety your first priority.
• Listen to the local radio for up-to-date information. If you’re in an evacuated area, don’t return to your home or business until local authorities report that it’s safe.
• Drive only if it’s absolutely necessary and avoid flooded streets. Roads may be washed out, and wet roads can hide downed electrical lines or underlying currents that can carry your vehicle away.
• Check for damage to gas, electric, or sewage systems when you are able to do safely.
• Don’t use damaged systems until professionals have checked them. If gas is leaking, turn it off at the main shut-off valve, leave the building immediately, and call a professional for service.
• Watch out for broken glass and sharp objects, wet electrical systems, live wires—even snakes or animals that may have taken refuge in your home.
• If your power has been disrupted, don’t leave candles or your fireplace unattended and keep the area well ventilated to avoid hazardous fumes or carbon-monoxide poisoning. If you decide to use a generator, read the instructions carefully, and don’t run it indoors. If you use a generator improperly, you could cause a serious fire.

In the aftermath of a disaster, many priorities come to mind:

• Protecting your property and document your damage
• Getting your business or home back to normal
• Securing adequate financial recovery

Important things to remember about windstorm losses:

• Differences between wind and flood coverage can make recovery complex
• Widespread disasters spread claim representatives thin, making resolution difficult
• Consider hiring a public adjuster right away to make a full recovery.

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What is my hurricane claim worth?

There are many elements to consider when determining the exact amount that you should be compensated for your hurricane damage. Here are just a few examples of different ways your insurance carrier is getting away with not fully compensating you:

1. Multiple Deductibles: The insurance companies are applying multiple deductibles for a single claim.  They cannot do so unless the house was damaged by multiple hurricanes.  However, if the damage is in fact severe, it will help the claim because multiple policy limits may apply.

2. Scare Tactic of Policy Cancellation:  The policy cannot be cancelled by virtue of presenting a claim or retaining a lawyer.  Hurricanes, just like earthquakes, are natural disasters and are not based on the behavior or maintenance of the property by a particular owner.

3. Estimating Program:  The estimating program used by the insurance industry, “Integraclaim”, fails to address the sudden increase of material and labor costs due to a regional or national catastrophe.  For example, the “Integraclaim” program allows approximately $180 per square (10ft. by 10ft.area) for replacement of the basic composition shingle roofing.  Home Depot in Orlando charges more than $400 per square.  The insured is entitled to have the damage restored based on prevailing market rate.

4. Loss of Power:  If the insured lost power, they are entitled to compensation for loss of food in the refrigerator as well as the cost of an electrician to survey the wiring in the house.

5. Carpeting: Typically, insurance companies shortchange the insured in 3 ways:

• The insurance company will first convince the insured that the carpet can be cleaned.  However, once there is water penetration or glass breakage, the insurance company has a duty to compensate for the replacement of the carpet.
• The insurance company will typically avoid paying for the extra waste of the carpet.  For example, if a room is 15ft. x 10 ft., the carpet roll comes at 12 ft. wide.  Therefore, there will be a waste of 2 ft. all along the 10 ft. side, and more waste on the 15 ft. side.  Therefore, if the insured is compensated based on yardage of 15ft. x 10 ft., the insured cannot afford replacing the carpet.
• The insurance company will also avoid paying for the padding under the carpet.  There is absolute duty to change the pad as well because over the years the carpet sticks to the pad and also the humidity damages the pad.

6. Asbestos:  Any structure built prior to 1978, will most likely have asbestos in the plaster, acoustic/popcorn ceiling, air ducts, etc.  If there is damage to the inside walls, the company has a duty to test for the asbestos and to compensate the insured for the abatement of the asbestos. On an average claim, this issue costs the insurance company several thousand dollars.

7. Mold:  This is where the insurance companies are categorically denying tests and payment.  We will undertake to perform the tests at no up front out of pocket costs to the insured.  Once there is mold, a claim will be presented for the remediation of the mold and the repair of the effected areas.  In addition, all of the contents in the house have to be cleaned or replaced (for all soft goods such as clothing, linens, etc.).

8. Painting: In order to paint the inside or outside of the house, a lot of preparatory work needs to be done.  For example, moving furniture, detaching and resetting light fixtures, window coverings, electrical outlets, etc.  On a typical home, this issue will cost the insurance company several thousand dollars.

9.  Repair of walls/Insulation: If the walls are damaged by water intrusion, typically the insurance adjuster fails to pay for replacement of moldings (crown or base) and the insulation.

10. Landscaping:  The insurance company is also responsible to compensate the insured for damage to landscaping including trees, lawns, etc.  The adjuster rarely informs the insured of such rights.

11. Additional Living Expenses (ALE):  Aside from the time that the insured had to move out during the hurricane, the policy also covers additional living expenses for the time it will take to repair the house.  As an element of the ALE, the insured is also entitled to cost of gasoline for extra driving, cost of additional food, laundry, etc.

12. Dumpster/Labor Costs:  The insured is entitled to be compensated for their labor to clean up yard debris from the hurricanes as well as making their own repairs.  In addition, they are entitled to dumpster costs based on the extent of damage.

Our Public Adjusters will complete a detailed estimate and open the claim at no charge to you.

FOR A FREE ROOF EVALUATION - Call Now 1-888-USA-ADJUSTERS

Toll Free: 1-888-USA-ADJUSTERS

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