Property Damage After a Storm: What You Need to Know

By Residential Claims

Hurricane season is a reality for many homeowners and business owners in Florida. Every year, the Sunshine State is hit by tropical storms, hurricanes, and other extreme weather events. These disasters can cause extensive storm damage to your property, resulting in costly repairs and insurance claims. To help you navigate the claims process, learn what you need to know about property damage after a storm.


Common Types of Property Damage After a Storm

When a storm hits, there are several types of property damage that can occur. Some of the most common types include:


Fire Damage

Lightning strikes, downed power lines, and other electrical hazards can cause fires that damage both the structure of the home or business and its contents. The possibility of fire damage to a building post-storm can be heightened due to several factors.


Flood Damage

Storms that bring heavy rain can cause flooding, which can damage the building’s foundation, walls, and floors. Flooding can also cause mold and mildew to grow, leading to further damage. The potential for flood damage to a building following a storm is significant, especially if the storm is accompanied by heavy rainfall or is coastal in nature, leading to storm surges.


Storm Damage

High winds and hail can cause extensive damage to roofs, windows, and other exterior features of the building. In addition, these elements can cause damage to outdoor furniture, landscaping, and other items.


Water Damage

After a storm, buildings face a heightened risk of water damage. Leaky roofs, broken pipes, and other sources of water can cause water damage that can degrade the structural integrity of the building and lead to mold growth.


Filing an Insurance Claim After Storm Damage

After a storm, many homeowners and business owners will need to file an insurance claim to cover the costs of repairs. Filing an insurance claim can be complicated, and it’s important to do it correctly to ensure you receive the maximum amount of coverage. To help, consider working with a public insurance adjuster.


What is a Public Insurance Adjuster?

A public insurance adjuster is a professional who works on behalf of the policyholder to help them file a claim and receive the maximum amount of coverage. They will review the policy, assess the damage, and provide assistance throughout the claims process. A public adjuster serves the policyholder directly, ensuring they get the maximum payout on their claim, while an insurance adjuster works on behalf of the insurance company. The key benefits of hiring a public adjuster include a potential higher settlement due to their deep understanding of insurance policies and claim procedures.


Alpha Public Insurance Adjusters: Your Trusted Partners in the Claims Process

Alpha Public Insurance Adjusters is a leading provider of public insurance adjusting services in Florida. We are dedicated to helping our clients receive the maximum amount of coverage for their property damage. We are proud to serve both residential and commercial property owners in Florida. Contact Alpha Public Insurance Adjusters today to learn more about how we can help you with your hurricane damage claim.