Every hurricane season leaves damaged homes and businesses behind it, from the Keys to the Panhandle. Behind many of those properties sits an insurance claim that stalled or was closed short of the real scope of loss. The role of a public adjuster is to document the full extent of the damage done by the storm and present it to the carrier. Rapid Public Adjusters, Inc. handles hurricane and wind claims throughout Florida from our office in Miami.
Damage Assessment
Hurricanes are unique in their ability to cause a plethora of damage in a short amount of time:
- Water damage
- Wind damage: Windows, doors, interiors
- Structural damage: Walls, foundations, and roof
- Systems damage: HVAC, electrical and plumbing systems
Rapid Public Adjusters, Inc. knows what damage a hurricane can cause, and we work tirelessly for our clients to provide accurate valuations and estimates on restoration costs.
High wind almost always finds the roof first, so many storm files begin as a roof leak claim. When storm surge or heavy rainfall pushes water into the structure at ground level, that portion of the loss belongs in a flood damage claim instead.
The Hurricane Damage Recovery Process
Your insurance company will send an adjuster to examine your property and seek to settle your claim rapidly. Part of the adjuster's goal is to move quickly, at the lowest possible cost to the insurer, while still providing adequate service to you, the insured. When you engage the services of Rapid Public Adjusters, Inc., you have an additional ally looking out for your best interest.
When evaluating hurricane damage, we move swiftly to:
- Set an evaluation appointment with you
- Put a letter of representation in place spelling out our service
- Determine the level and damage and set out parameters for the scope of work
We assist you, our client, in dealing with your insurance company. Your adjuster may have tried to be conscientious, but we will be far more thorough. We will:
- Determine restoration cost of your hurricane damage
- Engage structural engineers and other specialists to accurately assess hurricane damage
- Determine construction and engineering costs to restore your home properly
- Act as a liaison with your adjuster so you understand the scope of your loss and the insurer's settlement offer
- Obtain affidavits and other vital records
- Provide photography and videography of the hurricane damage
- Speed up the hurricane damage claims process by preparing the claim with substantiation for all losses
Supportive and Professional
After engaging Rapid Public Adjusters, Inc. to work on your hurricane claim, you can facilitate the process by documenting as many personal effects and furnishings as you can, including items of sentimental and heirloom value. Leave nothing off your list, because everything that was part of your life has value and meaning. Ask questions, point out structural or system deficiencies, and add to your list of losses as you remember or find more personal effects.
Contact the skilled professionals at Rapid Public Adjusters, Inc. today and tomorrow you can have supportive, communicative, and professional help through the entire hurricane claim process.