Florida hurricanes can cause widespread damage to large area of a state or country. This damage generates a large number of claims in a short period of time. Insurance companies may hire inexperienced adjusters to handle the claims, which may result in many underpaid claims. This will cause several claims to be reopened in order to collect the proper amount for the damages. These factors may slow down the claims process, confusing and overwhelming the policyholders. Labrador Claims can ensure that your Hurricane claim is afforded the attention and detail required for a quick and accurate settlement that helps you resume your day-to-day life as soon as possible. It’s important to know your rights as a policyholder. Always consult with a trusted and experienced public adjuster if you think your hurricane claim is being delayed by the insurance company. if you believe that you received a low settlement or are otherwise unhappy with the handling of your claim, please call us at 407-733-9997 to discuss your loss. We can reopen your claim, at no cost to you, and help recover the proper settlement for your damages.
An experienced public insurance adjuster has the resources and skills necessary to differentiate and document the different types of damage that tend to accompany hurricane events. Storm surge, wind-driven rain, tornado damage, water damage and flood can all occur during a hurricane. In most cases, floods caused by storm surges or overflowing rivers aren’t covered by standard property insurance policies. On the other hand, water damage resulting from high winds, such as rain entering though a damaged window, typically do qualify as hurricane damage. Inexperienced company adjusters may incorrectly determine the cause of the damages, and may deny your claim.
Roofers and Contractors typically like to canvas neighborhoods after a storm or fire has occurred. They might require you to sign a contract, (also known as an Assignment of Benefits, or AOB) in order to inspect your roof and submit a claim. Once you have signed the AOB, you might be giving away rights to your claim to that specific roofing company or contractor. We do not recommend you sign an AOB to handle your claim. Only a licensed Public Adjuster or attorney can legally represent you. Once you receive the funds from your claim you are free to choose the contractor of your choice to complete the repairs. However, if you sign an AOB, you lose the freedom to choose and will be required to use that specific company to do the work on your property.
Try to have as much of the following information as possible available when calling us to file a claim.
To start the claims process, we will need the following information:
Policyholder information: Name of insured, address, phone number, e-mail and policy number
Description of loss: Time and date of loss, location of incident, detailed description of damages
Authority notification: Note all authorities notified (fire dept., police, etc.)
Damage Mitigation: Advise if you have already contacted any emergency service companies or performed any sort of damage mitigation.