Frequently Asked Questions About Hurricane Damage Claims in Florida

Find quick answers to the most common questions about hurricane damage claims in Florida, and learn how a public adjuster can help you navigate the process and maximize your insurance settlement.

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Understanding Public Adjusters in Florida

General Questions

How do you ensure I get the maximum payout for my hurricane damage?

Can you include additional living expenses (ALE) in my claim?

Do you bring in engineers or contractors to support higher settlement amounts?

How do you handle situations where the insurance company tries to depreciate my roof?

What’s your success rate in increasing hurricane claim payouts?

Insurance Coverage & Policy Details

Will you review my policy to explain exactly what hurricane damages are covered?

Can you tell me if my roof replacement is included in my policy?

Do you help identify hidden damages that insurance companies often miss?

Will you handle communication with the insurance company about coverage limits?

Can you advise me if flood damage can be included in my hurricane claim?

The Claims Process

Will you handle all paperwork and communication with my insurance company?

Can you meet the insurance adjuster at my property on my behalf?

How do you document hurricane damages so the insurance company takes them seriously?

If my claim is already in progress, how quickly can you step in?

Do you provide an estimate of the damages before negotiating with the insurer?

Role of a Public Adjuster

What specific results have you achieved for past hurricane claim clients?

How do you negotiate with insurance companies differently than I could on my own?

Can you explain how your role protects me from being underpaid?

If the insurance company sends their own adjuster, why do I still need you?

Will you personally inspect my home and damages before taking the case?

Settlements

How do you ensure I get the maximum payout for my hurricane damage?

Can you include additional living expenses (ALE) in my claim?

Do you bring in engineers or contractors to support higher settlement amounts?

How do you handle situations where the insurance company tries to depreciate my roof?

What’s your success rate in increasing hurricane claim payouts?

Costs & Fees

Do I have to pay anything upfront to hire you?

What percentage do you charge on hurricane claims?

Do you get paid only if I get a settlement?

Is your fee worth it if my claim is already partially paid?

Can your services still increase my net payout even after your fee?

Timelines & Delays

How quickly can you start working on my hurricane claim?

Can you speed up the insurance company’s response?

How long does it usually take you to settle a hurricane claim?

If my insurance company is ignoring me, will you take over communication?

Can you reopen delayed claims from past hurricane seasons?

Legal & Regulatory Questions

Do you know the Florida deadlines for hurricane claims, and can you keep me compliant?

Can you file a claim even if I missed the initial deadline?

Will you ensure the insurance company follows Florida’s claim response laws?

Do you work with attorneys if my claim needs to escalate legally?

Are you licensed in Florida to handle hurricane damage claims?