Hurricane Damage

• Hurricane Milton Claims Assistance with Tropical Public Adjusters: Serving Central Florida
  
  
  As Hurricane Milton swept through Central Florida, from Tampa to Orlando to West Palm Beach and beyond, property owners are facing the aftermath of severe wind, roof, and flood damage. At Tropical Public Adjusters, we understand the complexities of hurricane claims and are here to ensure that you receive the compensation you deserve. Whether your claim has been denied, delayed, underpaid, or you have not yet filed, our experienced team of public adjusters is ready to help you navigate the process.
  
  
  We specialize in helping property owners in Central Florida handle hurricane damage claims, and we’re committed to maximizing your payout, expediting the claims process, and ensuring your property is restored to its pre-hurricane condition. Read on to learn how we can assist you with your Hurricane Milton insurance claim.
  
  
  Why You Need a Public Adjuster After Hurricane Milton
  
  
  After a hurricane like Milton, dealing with your insurance company can be frustrating. While insurance companies often advertise that they will help you get back on your feet quickly, the reality is that they are businesses focused on their own profits. Many homeowners find that their insurance company’s initial offer doesn’t come close to covering the true cost of repairs. Others experience delays or outright denials that leave them stuck in limbo for months.
  
  
  At Tropical Public Adjusters, we work exclusively for you, not the insurance company. Our team of experienced adjusters ensures that every detail of your damage is accounted for and that you receive the full amount you’re entitled to. We help homeowners across Central Florida recover the funds needed to repair or rebuild their properties after Hurricane Milton.
  
  
  Common Hurricane Milton Damages We Can Help With
  
  
  Tropical Public Adjusters specializes in a variety of hurricane-related claims. Whether you’re dealing with roof damage, wind damage, flood damage, or structural issues, our team has the expertise to document and file your claim properly.
  
  
  1. Roof Damage
  
  
  High winds from Hurricane Milton can rip shingles off roofs, cause structural damage, or even lead to complete roof failure. Roof damage is one of the most common issues Central Florida homeowners face after a hurricane. Our team will thoroughly inspect your roof, document all the damage, and ensure that the insurance company provides the compensation necessary for full repairs or replacement.
  
  
  2. Wind Damage
  
  
  Hurricane-force winds can cause a wide range of issues, from damaged siding and broken windows to structural damage to your home. Tropical Public Adjusters has the expertise to identify all areas of wind damage, even the less obvious ones. We’ll create a detailed damage report that ensures your insurance claim accurately reflects the full scope of repairs needed.
  
  
  3. Flood Damage
  
  
  Flooding is a significant risk during hurricanes, especially in low-lying areas of Central Florida. Water can infiltrate your home’s foundation, cause mold growth, and severely damage your property. Many flood claims are denied or underpaid because insurance companies argue that the damage was pre-existing or minimal. At Tropical Public Adjusters, we fight to make sure that every aspect of flood damage is properly documented and compensated, whether it’s structural, electrical, or personal property loss.
  
  
  4. Denied, Delayed, or Underpaid Claims
  
  
  Unfortunately, many homeowners find that their hurricane damage claims are denied, delayed, or underpaid. Insurance companies may use various tactics to minimize their payout, including undervaluing damages, claiming pre-existing conditions, or delaying payment to pressure homeowners into accepting a lower settlement.
  
  
  At Tropical Public Adjusters, we have extensive experience negotiating with insurance companies to overturn denials and increase underpaid claims. We know the tactics insurers use and how to combat them to get you the compensation you deserve.
  
  
  5. Haven’t Filed Your Claim Yet?
  
  
  If you haven’t filed a claim for your Hurricane Milton damage, it’s important to act quickly. Florida has strict deadlines for filing claims, and the longer you wait, the harder it can be to secure a fair settlement. Even if you’re not sure if the damage warrants a claim, Tropical Public Adjusters can provide a free damage inspection to assess whether you should file.
  
  
  How Tropical Public Adjusters Can Help with Hurricane Milton Claims
  
  
  At Tropical Public Adjusters, we’re committed to getting you the settlement you deserve. Here’s how we can assist with your Hurricane Milton claim:
  
  
  1. Free Property Damage Inspection
  
  
  After Hurricane Milton, it’s critical to get a full understanding of your property’s damage. Tropical Public Adjusters offers a free inspection to assess all visible and hidden damages caused by the storm. We meticulously document everything from roof damage to water infiltration, ensuring that no damage goes unnoticed.
  
  
  2. Complete Documentation of All Damage
  
  
  One of the main reasons insurance claims are underpaid or denied is incomplete documentation. Our adjusters are experts at identifying and documenting all types of hurricane damage, including hidden or long-term issues like mold growth, internal water damage, and foundation problems. We compile detailed reports that leave no room for insurance companies to deny or minimize your claim.
  
  
  3. Expert Negotiation with Your Insurance Company
  
  
  Insurance companies use their own adjusters to minimize payouts, and these adjusters are often overworked and miss key details in their assessments. Tropical Public Adjusters negotiates directly with your insurance company on your behalf. We know how to counter their lowball offers and push for a settlement that fully covers your repairs.
  
  
  4. Expedited Claims Resolution
  
  
  Time is of the essence after a hurricane, especially with so many claims flooding the insurance system. We work quickly to get your claim moving through the system, using methods like mediation, appraisal, and negotiation to avoid unnecessary delays and get you paid faster.
  
  
  5. Help with Denied or Underpaid Claims
  
  
  If your claim has been denied or underpaid, Tropical Public Adjusters will step in to review your case. We’ll gather new evidence, reevaluate the damages, and take your case back to the insurance company for a fair reassessment. Our experience overturning denied claims and increasing underpaid settlements can make the difference between a small payout and full compensation.
  
  
  Why Timing Matters: The Risk of Insurance Company Bankruptcies
  
  
  In recent years, Florida has seen several insurance companies go bankrupt after major hurricanes, including United Property & Casualty, which left thousands of homeowners with unresolved claims. These claims were eventually handled by the Florida Insurance Guaranty Association (FIGA), but the process was slow and many homeowners experienced significant delays or no payment at all.
  
  
  After Hurricane Milton, it’s possible that other insurance companies may face financial insolvency due to the large number of claims. By acting quickly and hiring a public adjuster like Tropical Public Adjusters, you can expedite the claims process and reduce the risk of getting caught in the chaos of a company’s bankruptcy.
  
  
  Why Choose Tropical Public Adjusters?
  
  
  Tropical Public Adjusters has recovered millions of dollars for Florida homeowners following hurricane and flood damage. We serve clients across Central Florida, from Tampa to Orlando to West Palm Beach and all surrounding areas, with a commitment to maximizing your insurance payout and resolving your claim as quickly as possible.
  
  
  • Specialized in Hurricane and Flood Damage: We have years of experience dealing with hurricane and flood claims in Florida. Our team knows the complexities of these claims and how to navigate the insurance industry to get you the settlement you need.
  • Free Damage Inspection and Consultation: We offer a no-obligation damage inspection to evaluate your property and help you determine the next steps in filing your claim.
  • We Fight for Your Rights: Whether you’re dealing with a denied, delayed, or underpaid claim, or you’re just starting the process, we fight to ensure that your insurance company honors its policy and pays you fairly.
  
  
  Contact Tropical Public Adjusters Today
  
  
  If you’re a homeowner in Central Florida affected by Hurricane Milton, don’t wait—contact Tropical Public Adjusters today for a free consultation. Whether you’ve already filed a claim, are dealing with a denied or underpaid claim, or are unsure where to start, our team is here to help you navigate the process and get your property restored.
  
  

Hurricane Damage: What's Covered and What to Do

Florida is a state that is prone to hurricanes. These powerful storms can cause significant damage to homes and businesses. If your property has been damaged by a hurricane, it is important to know what is covered by your insurance policy and what steps you need to take to file a claim.

What is covered by hurricane insurance?

Most homeowners insurance policies in Florida cover hurricane damage. This includes damage caused by wind, rain, storm surge, and hail. However, there are some exclusions to this coverage. For example, most policies do not cover flooding.

The specific coverage for hurricane damage will vary depending on your insurance policy. It is important to review your policy carefully to understand what is covered. You should also be aware of the hurricane deductible that applies to your policy. This is the amount of money that you will have to pay out of pocket before your insurance coverage begins.

What to do after a hurricane

If your property has been damaged by a hurricane, here are the steps you should take:

• Take photos and videos of the damage. This will help to document the damage for your insurance claim.
• Contact your insurance company as soon as possible. Report the damage and file a claim.
• Make temporary repairs to prevent further damage. This may include covering broken windows or tarping a damaged roof.
• Keep a record of all expenses related to the damage. This includes receipts for repairs, replacement materials, and temporary housing.
• Appeal the settlement offer if necessary. If you disagree with the settlement offer, you may be able to appeal it. You may also want to consult with Tropical Public Adjusters.

How Tropical Public Adjusters can help

Tropical Public Adjusters is a public adjusting firm that specializes in hurricane damage claims. We can help you to:

• File your insurance claim
• Negotiate with your insurance company
• Prepare and present your claim to the insurance company
• Document the damage to your property
• Obtain estimates for repairs
• Appeal the insurance company's settlement offer

We have a team of experienced public adjusters who are familiar with the insurance claims process. We will work hard to get you the maximum compensation for your hurricane damage.

Contact Tropical Public Adjusters today for a free consultation. We can help you to navigate the insurance claims process and get the compensation that you deserve.

Why is your Hurricane Damage Covered?

To obligate your insurance company to pay for you damages.

The insurance policies in Florida state that a wind or hurricane damage is only covered if you have an opening to your roof

(“This peril does not include loss to the property contained in a building caused by rain, snow sleet, sand or dust unless the direct force of wind or hail damages the building causing an opening in a roof or wall and the rain, snow, sleet, sand or dust enters through this opening.” Language from a homeowner’s policy in Florida)

What is an opening?

An opening could be one missing shingle or damaged tile.

Does insurance company need to pay for a new roof or only a repair?

In Florida, insurance companies can’t just pay to repair the damaged areas and leave you with a roof which will have two different color shingles, they got to make the entire roof be the same color, the only way to do that is be paying to replace the entire roof.

(Florida Statutes 626.9744 

“When a loss requires replacement of items and the replaced items do not match in quality, color, or size, the insurer shall make reasonable repairs or replacement of items in adjoining areas. In determining the extent of the repairs or replacement of items in adjoining areas, the insurer may consider the cost of repairing or replacing the undamaged portions of the property, the degree of uniformity that can be achieved without such cost, the remaining useful life of the undamaged portion, and other relevant factors.”)

Contact Tropical Public Adjusters Today


If you’re a homeowner in Central Florida affected by Hurricane Milton, don’t wait—contact Tropical Public Adjusters today for a free consultation. Whether you’ve already filed a claim, are dealing with a denied or underpaid claim, or are unsure where to start, our team is here to help you navigate the process and get your property restored.

Call us for a free On-Site Inspection at (305) 989-1310