With the devastation of Hurricanes Helene and Milton, property owners across Florida and the Southeast face the daunting task of navigating insurance claims. At Continental Adjusters, we specialize in guiding clients through this complex process to maximize settlements and expedite recovery. Here’s how we help:
Immediate Steps to Take: The First 30 Days After a Hurricane
The first 30 days are crucial for ensuring a successful claim outcome. Here’s what you should do:
- Days 1-3: Initial Contact and Safety Measures
- Contact Us Immediately: After ensuring your safety, reach out to Continental Adjusters. We will review your policy details and begin planning the next steps.
- Secure the Property: Mitigation is essential. We coordinate services like tarping, boarding, and water extraction to prevent further damage and protect your property.
- Document the Damage: Take photographs and videos of all affected areas. We also conduct detailed inspections using advanced technology to capture hidden damage, ensuring comprehensive evidence for your claim.
- Days 4-14: Comprehensive Assessment and Filing Your Claim
- Review Your Policy: We conduct a thorough review of your insurance policy to identify specific coverages, limits, and exclusions related to hurricane, wind, flood, and business interruption claims.
- File Your Claim: We work swiftly to prepare and file your claim, ensuring that all documentation, such as before-and-after photos, repair estimates, and receipts, is included to strengthen your case.
- Communicate With the Insurer’s Adjuster: Our adjusters liaise with the insurance company’s representatives, ensuring they understand the full extent of your loss. We guide you through the entire process, so you know what to expect during their site visits.
- Days 15-30: Claim Negotiation and Monitoring
- Engage in Claim Negotiation: As the insurer evaluates your claim, our team proactively negotiates on your behalf, countering any lowball offers and advocating for a fair settlement.
- Continue Documentation: As repairs and mitigation efforts progress, we update documentation, providing further proof of damages and expenses incurred.
- Monitor and Manage Deadlines: We ensure all deadlines for filing additional documents, appeals, or supplemental claims are met, keeping your claim on track and reducing the risk of delays.
Why Choose Continental Adjusters?
Continental Adjusters is an industry leader in handling complex insurance claims after disasters like hurricanes, and here’s why:
- Decades of Experience: With years of expertise in hurricane claims, fire damage claims, and water damage claims, our team knows the ins and outs of every type of property damage claim, ensuring our clients receive the maximum payout.
- Specialized Expertise in Complex Claims: We excel in handling high-stakes commercial claims, including large-scale hurricane claims and flood insurance claims for multi-property owners. Our ability to navigate the intricacies of commercial policies allows us to maximize settlements for businesses.
- Advanced Technology and Detailed Reporting: We use state-of-the-art technology, such as thermal imaging and Matterport 3D scans, to document damages comprehensively. This thorough documentation is crucial for disputing low offers and proving the full extent of the damage.
- Aggressive Negotiation and Dispute Resolution: We advocate aggressively for our clients. Our track record includes turning denied or low offers into successful, full-value settlements. We provide representation during disputes, including arbitration or mediation, to ensure a fair outcome.
- Tailored Strategies for Each Client: We know that no two claims are alike. Continental Adjusters customizes our approach for each case, whether it’s a hurricane damage claim, a commercial business interruption claim, or a denied insurance claim that requires legal expertise.
- No Upfront Fees: We operate on a contingency basis, meaning you only pay when you receive your settlement. This risk-free approach ensures that we are fully committed to achieving the best outcome for you.
Real Client Success Stories
For instance, after Hurricane Laura, a commercial client with multiple shopping centers contacted us. Initially offered only $40 million by their insurer for a 362,000 sq. ft. property, our team intervened, providing extensive evidence and advocating for a fair settlement. We successfully negotiated an increase to $64 million—an impressive 60% increase over the initial offer.
Accessing Government Programs
If your insurance does not fully cover your needs, federal assistance programs such as those offered by FEMA or the Small Business Administration (SBA) can be valuable resources.
The Continental Adjusters Advantage
- Comprehensive Public Adjuster Support: From initial inspection to final settlement, we manage every detail, ensuring a smooth and efficient claims process.
- Proven Track Record: With millions recovered for our clients, we have a history of successfully navigating complex hurricane, flood, and business interruption claims.
- Client-Focused Approach: We prioritize your needs, offering expert advice and support throughout the process, allowing you to focus on rebuilding while we handle the complexities of your claim.
Don’t face the insurance claims process alone. Trust Continental Adjusters to secure the compensation you deserve and guide you through the recovery process. Contact Us Today at 214-373-6600 or visit continentaladjusters.com for a consultation.