When to contact a public adjuster for your hurricane damage

Hurricane claims are all too common in Miami due to the Hurricane Season that overtakes all of Florida. Rough storms and severe hurricanes hit the coast of Florida and affect countless homeowners. The ensuing home damage is severe and varies wildly:

  • Water damage
  • Roof damage
  • Potential mold damage
  • Shattered windows
  • Internal structural damage
  • Damaged car
  • Damaged external furniture due to flying debris and strong winds

Category 5 hurricanes are the single most powerful weather events in Florida. They aren’t as common as lower Category hurricanes, fortunately. However, even Category 1-4 hurricanes provoke substantial damage to homeowners. Filing a hurricane damage claim to obtain compensation for your losses seems like a logical decision. And it is! Yet, insurance companies are hard to deal with. They’ll try to underpay your claim or deny it altogether. Being unaware of the tricks your insurer uses to deceive you makes you liable for a loss.

When do you contact a public adjuster?

Ideally, you should contact a public adjuster as soon as the hurricane passes. You don’t know how extensive or severe your incurred damage is, even less so for your losses. Trying to assess them yourself may result in making mistakes or even causing irreversible modifications to the impact scene. You want things to be as untouched as possible so that the public adjuster can obtain more money from your insurer. It’s easier for a public adjuster to assess the damage if there was no human interaction before the assessment.

You can contact a hurricane damage public adjuster in Miami after you’ve already filed a claim, though. You may have received an unacceptable settlement offer from your insurer. It’s not too late to hire a public adjuster! The situation isn’t yet irreversible. The PA will independently assess your damage and losses, prepare ample documentation and evidence, and renegotiate the claim with your insurer. In 9/10 cases, a public adjuster obtains substantially more money than offered during the initial settlement.

When to contact a public adjuster for your hurricane damage 2

Is it expensive to hire a public adjuster?

In all honesty, you probably can’t afford to pay a public adjuster after a hurricane severely damaged your home. The repairs alone will cost a chunk of your savings. Fortunately, you don’t have to pay the public adjuster beforehand. There’s no upfront fee to worry about. Instead, your public adjuster subtracts a percentage-based fee from your insurance settlement. Not a moment before that! So, it’s fair to say that the public adjuster will try to obtain as much money for you!

Your best interest is the public adjuster’s best interest. This is the most significant incentive a public adjuster has when filing a hurricane damage claim. Hurricanes are chaotic weather events that come unannounced and leave catastrophic damage behind. Sifting through the debris and identifying specific damage types is incredibly tricky. Yet your public adjuster knows how to carry out these operations efficiently and professionally. You don’t need to do anything other than allow the PA to work undisturbed. Soon, you’ll get enough money to pay for your home repairs!

Due to this, it’s incredibly advantageous to hire a public adjuster when filing a hurricane damage claim. Instead of losing even more money, you gain an efficient helper whose sole purpose is to obtain money for you. There’s no downside to this, other than your insurer’s disappointment in giving you maximum compensation for your losses. Most homeowners who file a property damage claim with Merkury Public Adjusters in Miami get more money than they’d thought possible. Public adjusters in Miami work wonders simply because they’re knowledgeable and experienced in assessing property damage!