How to Navigate Florida Flood Damage Claims Due to Storms

Florida residents have come to expect the best and worst that Mother Nature has to offer. Most days the sun shines on Florida, as compared to up North as the seasons change, and rain, wind, sleet, ice, and snow are in the weekly forecast. In Florida when the weather is good, it is really good. And then, when severe storms roll in, homes across the state can become inundated. Many who live in the state year ‘round have had or know someone who has had to file a storm damage claim due to flooding. Looking back, most admit today they would do things differently, including involving a Florida public adjuster to have their back right from the start. To ensure an optimal outcome, the team at United Public Adjusters & Appraisers (W912955), who have assisted hundreds of Florida homeowners in the wake of severe storms that caused widespread flooding, offers this guide for homeowners to help navigate post-storm flood damages. Here’s what to expect:

1. The damages/losses must be reported to your insurance agent or carrier who will send an insurance adjuster, employed by the carrier to assess the situation. At the same time, we advise that you contact us, United Public Adjusters & Appraisers (W912955), as your Florida public adjuster. This way you’ll have someone in your corner who can oversee the entire claim process and ensure that you receive a fair settlement in line with your needs and what your policy/policies allow. Our team will review your policies and determine all coverages to assist you to prepare and submit your claim.
2. If you do not partner with a Florida public adjuster, it is likely, for many reasons, that the carrier’s cost estimate of damage (accompanied by a proof-of-loss form) will not be what you were expecting. In fact, it may not cover the repair/renovation/replacement of your premises due to flooding. If you have received a settlement offer or a request to sign/return a proof-of-loss form from your insurance carrier, be sure to contact your United Public Adjusters team to assist you to review all offers.
3. If you bring in our team at the onset, United Public Adjusters & Appraisers (W912955) will review your policies as well as assess the damage to your property. Our construction experts will look for potential damages, such as the future development of mold and mildew, and help you to prepare an accurate cost estimate along with documentation, to submit along with your storm damage claim.
4. If you have experienced submitting an insurance claim before, especially if the storm impacted your region and damage was widespread, then you know that getting a call back from your insurance adjuster is difficult if not impossible. Instead, leave overseeing the progress of your claim to United Public Adjusters & Appraisers (W912955). We will monitor the entire process, and negotiate with your carrier as needed to bring about a just settlement offer in as short a time as possible. As stated, at the onset we will review your policies to determine all your appropriate coverages when submitting claims. Should your flood policy include temporary housing, we will gladly assist you to relocate your family. Will your insurance carrier do that? Unlikely- it is not within their job scope.
5. At any time in the process, if you have not engaged our team as your Florida public adjuster, contact us, and we will step in and take the reins. We are known for our high level of customer service and truly treat our clients like family. One important point: we are not paid until you are paid, there are no upfront costs, so there is no risk involved.

At United Public Adjusters & Appraisers (W912955) our goal is your goal- to obtain the funds needed to renovate your premises and return your lives to normal as soon as possible. Learn more about how our services can be invaluable to you at any point in your storm damage claim process. Contact our team today!