Hurricane Damage Archives - Darryl Davis
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Category Archives: Hurricane Damage

Public Adjuster West Palm Beach FL

When to Hire a Public Adjuster in West Palm Beach

Insurance adjusters work to evaluate the extent of damage after a devastating event has led to a filed insurance claim for damage from winds, hurricanes, fires, and more. The insurance company will send their own adjuster out to investigate the damages to help determine the amount the company offers on your claim. A public adjuster is West Palm Beach can be hired by the policyholder (you) to work on your behalf and in your best interest, so you get the best possible compensation for your loss.

When to Hire a Public Adjuster in West Palm Beach

Anyone filing an insurance claim should also consider hiring their own public adjuster (PA), especially if the claim amount is high. The insurance company’s adjuster works in the best interest of the company, while the adjuster you hire will work in your best interest.

What a Public Adjuster Does

Public adjusters are professionals. They have prior experience in the industry and use their knowledge to handle the complicated process of evaluating damages and completing initial and supplementary claims for the policyholder. Expertise in insurance policies and in the details of handling all aspects of a claim is used to achieve the best compensation for their client. 

Why Hire a PA

Often, the policyholder will overlook costs in their calculations. Hiring a PA means that the adjuster attends to the details for you and completes an accurate and detailed claim covering all losses and expenses related to the losses. 

Choosing the Right Public Adjuster in West Palm Beach

Seek out an experienced public adjuster . Look at the types of claims they work, how long they have practiced, and their individual background. Most of the time, these details can be found on their company website. Read reviews on the adjusters you are considering, and also ask friends and family for referrals.

If you need representation for your insurance claim and are looking for a public adjuster in West Palm Beach, Darryl Davis and Associates have the experience and professional expertise you need to get the most out of your claim. Schedule a free consultation with Darryl Davis, Public Adjuster by calling 954-709-3982 today!

Wind/Hurricane Damage Insurance Claims Naples FL

What to Know About Filing Wind/Hurricane Damage Insurance Claims in Naples

Wind damage is one of the most common insurance claims filed. Damages from strong storms can be vast and even completely destructive. Hurricane losses are also prevalent in some areas. Home policies that cover wind/hurricane damage insurance claims in Naples often provide loss of use coverage for living expenses while your home is being repaired.

Wind/hurricane damage insurance claims in Naples can be confusing, so here are some things to know.

Policy Details
Be familiar with your policy – sometimes there are ambiguous limits, so know the details. For example, failure to take reasonable actions to mitigate the damage, like covering the leaking areas with a tarp, could affect your ability to make a claim. Know your policy time limits for making claims.

Deductibles
Understand your deductibles and know how much you will be responsible for paying in the event of a wind or hurricane damage claim. Homeowners are subject to paying hurricane deductibles before the insurance claim will be paid out. In the state of Florida, hurricane claim guidelines are set by the state, so all insurance companies use the same criteria. Additionally, the hurricane deductible can be applied only one time per hurricane season. Be familiar with the amount of your deductible before disasters happen.

Documentation
Always have up-to-date photos of your home, inside and out, including all of your possessions. Take photographs of receipts or paperwork for valuable items and store them digitally. That way, even originals are destroyed, you’ll still have access to them. After a storm, photograph the damages. Keep receipts for living expenses if you need to relocate. And make detailed notes of each conversation with your insurance company.

Public Adjusters
The insurance company will have an adjuster working on its behalf. You have the right to hire your own private adjuster who will act in your best interest when you are filing wind/hurricane damage insurance claims in Naples. A private adjuster can help you get a quicker and more fully compensated result for your claim.

If you need representation for your wind/hurricane damage claim in Naples, call Darryl Davis.

Our office of public adjusters can help when you need to file wind/hurricane damage insurance claims in Naples! Call us today at 954-709-3982 to set up a free consultation.

Wind/Hurricane Damage Insurance Claims Fort Meyers FL

What Coverage Should I Have for Wind/Hurricane Damage Insurance Claims in Fort Meyers

Before you ever need to file an insurance claim for any reason on your homeowner’s policy, it’s important to make sure you have the proper coverage. Many devastating events that cause damage or destruction to your home are not covered without additional policies. Homeowners often believe that because they have insurance, they will be reimbursed for repairs from natural disasters. But this belief can cause a lot of heartache. Without the right coverage for wind/hurricane damage insurance claims in Fort Meyers, Florida, you could be financially responsible for the repairs. It puts you at risk for losing your investment, financially and emotionally, into your home.

How do you know if you have the right coverage for wind/hurricane damage insurance claims in Fort Meyers?

If you have a separate policy specifically for wind / hurricane damage in place, then you should be protected. However, this is a policy that you must request in addition to your homeowner’s policy. The same is true for flood damage insurance.

If you have not added a wind / hurricane policy onto your homeowner’s policy and a storm comes through, you will be paying out of pocket. Many homeowners simply cannot afford to pay for anything other than minor repairs. Unfortunately, tropical storms often leave destruction in their path. Home repairs after one can be quite costly, and some homeowners even have to completely rebuild. Can you afford to do that?

Don’t be caught unprepared for having your wind or hurricane damage claim denied. Call for a risk analysis today!

Paying for repairs at your own expense could be devastating financially. This is unfortunate at any time, but especially after your family home has been damaged. This is why a risk analysis consultation is so important. With a risk analysis, we can help ensure that you have everything in place with your policies. This is done before a hurricane or storm winds come through.

Call Darryl Davis and Associates today at 954-709-3982 to learn more about our services and how we can help you cover yourself! Don’t be a victim of being unprepared or assuming your insurance company has already provided all the coverage you need.

What Coverage Should I Have For Wind/Hurricane Damage Insurance Claims in Tampa

When strong winds or a hurricane come through the Tampa area again, are you properly prepared for the catastrophic damage it could inflict on your home? Unfortunately, nature cannot be tamed and can do a lot of damage, not just in the physical sense but financially as well. Some people never fully recover from the toll a storm can take on their pocketbook. If you have the proper coverage for wind/hurricane damage insurance claims in Tampa, you may not have the unnecessary burden of financial loss.

So, what should your insurance policy include to make sure you don’t suffer a devastating loss? The coverage you need for wind/hurricane damage insurance claims in Tampa depends on your home’s value.

The value of your home (as calculated and stated by your insurance company) determines the amount of coverage you should have to help make sure storm damage doesn’t cause a financial burden. In addition to your home owner’s policy, you need a separate policy specifically for wind and hurricane coverage. If you do not purchase this additional coverage, wind and / or hurricane damage WILL NOT be covered at all, and it will be solely up to you to pay for repairs.

In the state of Florida, if you meet your wind / hurricane deductible and your main policy deductible and another storm comes through, you do not have anymore out-of-pocket costs. The policy will pay for wind or hurricane damage from additional storms after all deductibles are met. Hopefully, you will never be the victim of two events, but you can rest assured that you will not incur any further expenses after the first event if you have already met your deductibles.

Risk Analysis services can help ensure you have the proper coverage.

At D Davis & Associates, we offer services to analyze your policies and ensure you have the best coverage to help protect your investment. During a risk analysis, we identify shortcomings in your insurance policy to ensure you can rebuild after a natural disaster without disastrous effects on your wallet. Call us today at 954-709-3982 to schedule your risk analysis for wind/hurricane damage insurance claims in Tampa.