After Hurricanes Helene and Milton as well as the many destructive tornadoes that recently hit south Florida, millions of homeowners and business-owners across Florida and the Southeastern U.S. are faced with traversing the often long and laborious process of using insurance to rebuild their lives.
Helene slammed the Big Bend area on Sept. 26, and Milton plowed into the Gulf Coast on Oct. 9 before crossing the peninsula and exiting into the Atlantic Ocean on Sept. 10.
Milton, which caused more extensive damage statewide, is now estimated to have a total insured loss of $3.038 billion dollars as of Nov. 8. Insurance claims for damage after Hurricanes Helene and Milton in Florida now total $4.775B
Due to the widespread and extensive wind damage caused by the hurricanes, insurance company adjusters and many inexperienced contractors, in their rush to assess claims, may eyeball roof damage and recommend partial repairs based on simple visual inspection. And I don’t want to even address those trying to inspect roofs with drones. This is going to cause terrible problems in the future as flying debris can damage the membrane of roofs and set people up for severe water damage in the future. Adjusters simply don’t spend enough time assessing policyholders damage or consider the increased cost of materials and repairs given the state of conditions – make sure they get ion the roof!
Why You Need a Public Adjuster Now More Than Ever
You may be eligible to Additional Living Expenses (ALE)
Florida homeowners with severe damage from Hurricane Milton to the extent that their residence is uninhabitable, may have an insurance policy that provides a coverage called “Additional Living Expense” or “A.L.E.” if it is a covered loss. Under the Additional Living Expense coverage, you and your family may be entitled to rent another home of the same size, like kind and quality as well as be reimbursed for any extra expenses you incur such as food and temporary lodging.
How Horizon Public Adjusters can help you
If the aftermath of such devastation and seeing the extensive damage to your property isn’t stressful enough, filing an insurance claim can be frustrating and overwhelming. From the moment a loss occurs, every decision you make will affect the settlement of your insurance claim and ultimately the fate of your home or business.
That’s why you need an experienced professional from Horizon Public Adjusters!
Our team can help with both residential and commercial claims. We will swiftly and ethically guide you through the insurance claim process to recover the maximum monetary compensation that you are entitled to under the policy.