Living in Florida means being familiar with the whims of mother nature, especially hurricanes and storms. This guide from Coral Coast Claims, your trusted public adjuster, breaks down the essential differences between wind and flood damage and offers insights on managing the claims process effectively.

What Does Your Policy Cover?

Wind Damage: Standard homeowner and commercial property insurance policies generally cover wind damage. This might include damage from flying debris, falling branches, or powerful winds. In Tampa, for instance, we frequently handle cases where roofs have lost shingles, windows have shattered, or external structures have sustained significant damage. Quick, professional property assessments are vital following any significant wind event.

Flood Damage: Flood damage, on the other hand, typically requires a separate policy. Standard insurance doesn't usually cover flooding, which can lead to extensive damage, from soaked interiors to compromised structural integrity. Such as in Miami, where flooding can be a common issue, having a separate flood insurance policy is crucial. Our team is experienced in managing these complex claims, ensuring that every detail is documented and accurately assessed.

How to File a Claim for Wind or Flood Damage

Step 1: Immediate Assessment After experiencing damage, it's crucial to get a professional evaluation immediately. At Coral Coast Claims, we offer prompt service to assess any damage—be it from hurricanes/wind damage or flood damage—ensuring your claim is supported by thorough documentation.

Step 2: Understanding Your Policy It’s critical to know what your insurance covers and what it doesn't. Whether you're filing a homeowner insurance claim or dealing with commercial property, understanding your policy's specifics can significantly influence the compensation you receive.

Step 3: Hiring Professional Help Engaging the services of a public adjuster like Coral Coast Claims is a smart move. We excel at maximizing insurance claim payouts by thoroughly assessing property damage and advocating for you with insurance companies.

Why Hire a Public Adjuster for Wind and Flood Damage Claims?

• Expert Insurance Claims Help: Public adjusters are well-versed in the Florida insurance claims process and can guide you through every step.
• Maximize Your Claim Payout: We’re skilled at spotting damages that might not be immediately visible, ensuring you get fair compensation.
• Dispute Resolution: If you find yourself disagreeing with your insurance company's assessment, Coral Coast Claims can help dispute their findings. We’re experienced in effectively challenging insurance claims in Florida.

Final Thoughts

Dealing with property damage in Florida, especially after a storm, can be daunting. The distinction between wind and flood damage not only affects repairs but also the way claims are handled. Having both homeowner’s and flood insurance, paired with the expertise of a Florida public adjuster like Coral Coast Claims, is crucial in effectively recovering from a disaster. Whether you’re in Orlando dealing with storm aftermath or in Miami navigating flood recovery, we’re here to help make your insurance claim process as smooth as possible.