Have You Been Impacted by The Devastation of Hurricane Ian? We Can Help.

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Frequently Asked Questions

Did your home or business sustain damages as a result of Hurricane Ian? Intercoastal Public Adjusters in Florida Can Help!

There are a number of benefits to hiring Intercoastal Public Adjusters of Florida to help you with an insurance claim. We can assist you with understanding your insurance policy, documenting the damages and organizing the claim process. In addition to helping you get a better settlement, Intercoastal Public Adjusters can also educate you about the insurance claims process.

Intercoastal Public Adjusters of Florida are state-certified professionals who represent the policyholder in claims negotiations with their insurance companies. They can help you itemize your loss, determine the cost of repairs, and negotiate a settlement on your behalf. Intercoastal Public Adjusters of Florida are experienced in the process and can help make sure you are fully indemnified for the loss you sustained as a result of your insurance claim. 

Insurance claims are complicated and time-consuming. You may not have time to devote to the process, which can interfere with your daily life. In addition, the language, paperwork, and mistakes involved can slow the process, resulting in a long wait for settlement. Intercoastal Public Adjusters can save you time and stress by managing your claim from start to finish.

Intercoastal Public Adjusters are licensed in the state of Florida and have qualified professional experienced staff on standby to help you in areas impacted by Hurricane Ian around Naples, Fort Myers, Tampa , Bonita Springs , Punta Gorda and surrounding counties.

Intercoastal Public Adjusters are Trusted and Licensed Insurance Claim Public Adjusters in Florida

InterCoastal Public Adjusters was created to service those who sustain damages to their property and need help maximizing their insurance claim and navigating the claim process.

Our extensive experience in the areas of construction, roofing, insurance adjusting, restoration and public adjusting has shown us that there is a real need for education surrounding property damage insurance claims processing, especially in the wake of Hurricanes like Harvey, Irma, Florence and Michael.  Most people don’t even know that you can hire your own representation when filing a property claim.  We believe in education and would be happy to provide a free consultation to better understand your situation and guide you in any way we can.

What Should You Consider before Filing a Hurricane Insurance Claim in Florida?

There are several factors to consider before filing a hurricane insurance claim. First of all, you need to know exactly what your policy covers. For example, if you have a policy that covers solar panels, you may not need to file a claim if they are destroyed. But if you need to replace an item such as a broken window, you should keep receipts of the purchase. This will help the insurance company determine the amount of the loss.

You must also consult with your insurer before beginning any repairs. While most insurance companies will pay for the most significant damage, you should check with your insurance provider first to determine if there are any things that can be patched up or repaired. It is also a good idea to take pictures of damaged items so that you can show the adjuster. You should also keep all receipts and expenses to support your claim.

Document the damage caused by the hurricane. Take pictures or videos of the damages, if possible. Taking photos of the damaged roof is a good idea, but do not climb on it. Take a safe vantage point and note the damages. Photos and videos will help speed up the claim process.

Remember that your insurance company has hundreds, if not thousands, of adjusters working in areas affected by hurricanes. It is important to provide as much proof as possible and speak their language. If you are unable to prove your damage, the adjuster will not negotiate with you. This could lead to a an unresolved claim.

What Does a Public Adjuster Do For A Homeowner after Hurricane Ian?

During a hurricane, many homeowners are faced with the task of repairing their homes. The process will probably begin with interactions with a homeowner’s insurance agency and then a claims adjuster. These professionals visit the affected home to assess the damage. If you are planning to hire a public adjuster, you should keep in mind that he or she will work independently from the insurance company. You should ask the public adjuster to provide you with contact information of his or her previous clients.

Intercoastal Public Adjusters are licensed in Florida to represent the interests of insured property owners on insurance claims. Our main job is to assess damage to the property, document the loss, and negotiate a settlement with the insurance company. It is a complicated process to recover from a hurricane, and homeowners may be required to file multiple insurance claims. Intercoastal Public Adjusters of Florida can simplify the process by educating homeowners about their policies and guiding them through proper documentation.

A public adjuster works with homeowners to make sure that their claims are processed properly and that they are indemnified to the full extent of the applicable insurance policy(s). 

What Should I Do After A Hurricane?

When a hurricane strikes, there are several things that you should do to stay safe. First of all, you should wear long pants and sleeves to protect yourself from mosquito bites. You should also wash your hands frequently, especially before going outside. To prevent spreading disease, make sure to clean your hands with safe, boiled or disinfected water. Also, stay informed about emergency information. Check the local media for updates.

Another thing that you should do is prepare your home. Make sure to keep important documents, including the address of your insurance professional, at hand. You should also gather warm, protective clothing for your family and secure your windows and doors. It is also a good idea to lock your windows and doors to keep out looters. You should also secure your outdoor equipment. Keep a battery-operated radio near you in case of power cuts. If your home is in a low-lying area, you should prepare for the storm surge.

Once the storm has passed, you may be able to return home. However, it can take some time for the emergency crews to assess all areas and conduct rescue operations. While the authorities are working to restore power to all neighborhoods, many roads remain closed and there may be a large amount of debris. Also, water levels may be high, so you should avoid driving if you are unsure of your destination.

This is a solicitation for business. If you have had a claim for an insured property loss or damage and you are satisfied with the payment by your insurer, you may disregard this advertisement.

Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

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Intercoastal Public Adjusters in Florida, Georgia, South Carolina & North Carolina

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Florida LICENSE: W434622

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NC LICENSE: 3001342184

FL LICENSE: W808876

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Should I hire a Public Adjuster?

Some insurance representatives get questions from their clients about whether they should hire a public adjuster for their insurance claims. The answer to that question depends on your circumstances and the insurance policy you have. You may want to wait until the insurance company adjuster has made an offer and then use the public adjuster to contest it. Public adjusters will work on your behalf and will charge you a fee.

While a public adjuster may cost more than hiring an insurance company, they will make the claim process smoother and ensure you receive the highest payout possible. They will also document your losses and spot potential damage that the insurance adjuster might have missed. Another benefit of hiring a public adjuster is that they can save you time. Filing a large insurance claim can take a lot of time and communication with the insurance company.

Public adjusters are employed by homeowners to represent them and handle insurance claims. Their fees are a percentage of the claim amount. Usually, homeowners hire a public adjuster if their claim is large. But, not all public adjusters have good reputations. Some of them are ambulance chasers and are not reputable. So, before hiring a public adjuster for your insurance claim, make sure you know how to use him or her.

Public adjusters work on a contingency basis, so their fees are a percentage of the settlement amount. This fee can be anywhere from 5% to 20% of the total settlement amount. It is important to understand how these fees are calculated, and what that means for your budget. If you have a large claim or don’t have time to properly document everything yourself, a public adjuster can help you negotiate a settlement offer that meets your needs.