A public adjuster can be an invaluable resource when handling storm and wind damage claims. They work on your behalf — not the insurance company’s — to ensure you receive a fair and accurate settlement. Here’s how they can help:

1. Thorough Damage Assessment

• Public adjusters conduct a detailed inspection of your property to identify all storm and wind damage, including structural damage, roof damage, siding issues, broken windows, and water intrusion.

• They often find hidden damage that may not be immediately visible but can lead to long-term problems if left unresolved.

2. Documentation and Evidence Collection

• Adjusters meticulously document the damage using photos, videos, and written reports to create a comprehensive record of losses.

• They may use specialized tools like drones or infrared technology to capture hard-to-see damage.

3. Policy Review and Coverage Analysis

• Public adjusters carefully review your insurance policy to determine what damages are covered, including any additional living expenses if your home is uninhabitable.

• They ensure you understand your rights and how your deductible, limits, and exclusions apply to your specific claim.

4. Accurate Repair and Replacement Estimates

• They provide a detailed, unbiased estimate of the cost to repair or replace damaged property, often working with contractors or engineers to substantiate the claim.

5. Claim Filing and Paperwork Management

• Public adjusters handle all the paperwork, including submitting your claim, completing proof of loss forms, and communicating with your insurance company.

• They ensure all deadlines are met to avoid unnecessary delays.

6. Negotiation with the Insurance Company

• When insurance adjusters offer settlements that may be lower than expected, public adjusters negotiate on your behalf to reach a fair agreement.

• Their knowledge of insurance claims processes and industry standards gives them leverage to push for a maximum payout.

7. Assistance with Supplemental Claims

• If further damage is discovered after the initial settlement, public adjusters can help file supplemental claims to ensure you are fully compensated.

8. Providing Support During Disputes

• If your claim is denied or underpaid, a public adjuster can advocate for you by presenting evidence, hiring independent experts, or even assisting with mediation or appraisal.

Conclusion

Storm and wind damage can be overwhelming, but a public adjuster can reduce the stress by managing the claim process for you. They ensure all damages are accounted for, negotiate aggressively for a fair settlement, and help you recover as quickly as possible. If you’re dealing with storm or wind damage, hiring a public adjuster could significantly increase your final payout.