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Need help with your hurricane claim?

Business owners and residential homeowners have become very familiar with hurricane season and how to prepare before a storm hits. Unfortunately Tropical storms, Hurricanes and Tornados bring devastation and have no mercy on buildings and property in its path. In recent years many Florida, North Carolina and South Carolina property owners have experienced the overwhelming effects brought by severe storms. These effects have left property owners feeling helpless and alone. The lack of experience with storms and how one should deal with insurance companies can be stressful enough for most after a storm, so what can you do about it. Hire a professional adjuster who works for you, not the insurance company.

Insurance policies are complex legal documents that can give coverage and take it away all on the same page, or through multiple endorsements throughout the policy. It takes an expert to evaluate your insurance policy to determine which coverage’s are afforded under your policy. Prior to recent record storm seasons most policies were uniform in nature and provided similar coverage’s, unfortunately this is no longer the case. Due to the complex issues involving a hurricane or windstorm, claim industry professionals such as insurance agents, insurance company adjusters, and attorneys have all called on Accredited Public Adjusters, LLC during their time of need. Industry professionals know the value of using an experienced professional public insurance adjuster for their own windstorm claims.

Did you know, you have many obligations to fulfill as the insured and failing to do these may result in your claim being greatly delayed or even denied? We see this far too often with very competent people such as you. It is no secret Insurance companies are in business to make a profit. It has been long discovered by insurance companies the easiest way to increase profits is to delay and decrease claim payments through systematic processes, ultimately reducing the amount you need for proper repairs.

Most policies have separate deductibles for windstorm or hurricane events. Generally speaking windstorm deductibles are based on a percentage (2%, 3%, 5% or even 10%) of the amount the building is insured for. For Example if a building is insured for $200,000.00 and is subject to a 5% deductible, this property owner would share in the cost of repairs up to a minimum of $10,000.00. This does not include the cost to the property owner for commonly excluded items such as exterior painting or waterproofing of a building or residence and in the event of a hurricane you can assume the outside of a building will at a minimum require painting.

Accredited Public Adjusters, LLC can evaluate your property after a hurricane or windstorm loss to find and address all of the apparent and hidden damages and the costs associated to properly repair your home or business to its pre-loss condition.