Getting Ready for a Hurricane Dorian Claim

     PUBLIC ADJUSTERS & APPRAISERS

I am not going to tell you what you need to have in your home before the hurricane as you can get that information everywhere and anywhere.
What I am going to share are 4 practices that we wish every one of our clients would do.  I can assure you that following these 4 simple tips will help to make the claim process go much smoother and ultimately get you the best possible settlement for your claim.

4 Tips that will Help the Claim Process go as Smooth as Possible.

  1. Document Your Property – You know the old saying, “a picture is worth a thousand words”?  If that is the case, then a video is worth a million words.  Here is what I recommend:  Grab your cell phone, put it on video mode.  First, walk the exterior of your home, be sure to get every inch of your house on video from the roof to the grass (getting pictures or video of your roof is great but only do this if you are comfortable on roofs as it is not worth risking your life).  Next, go inside your home and do the same thing through each and every room and closet, here you want to capture everything from the ceiling to the floor.  With these videos, you will be documenting not only the condition of the structure but also will be documenting your personal property.  Next, store these videos in a cloud-based system such as Dropbox or Google Drive to ensure they will be there when you need them, even if you lose your phone.
  2. Secure copies of all of your insurance policies.  You may want to take pictures or scan these documents and store them in the same place as your videos as well & have a printed copy on hand.  I am hoping that you have already reviewed your policy before now as you likely won’t be able to make any changes to it at this point.  At a minimum, you should become familiar with your coverages, exclusions, and deductibles.
  3. Calling in your claim.  When you call in your claim, they are going to ask about your damages.  It is very important that you answer this question as thoroughly as possible while also advising them that you are not an expert and that you suspect there are more damages that you are not yet aware of.  Request that they send a professional adjuster that can work with you to ensure that all damages are properly assessed.
  4. Mitigate your Damages to the best of your ability.  If you need assistance beyond what you can do yourself, ask your insurance company for help.  They should have a few “preferred vendors” that they can recommend and these vendors are typically going to be fair with their pricing.  If they are not willing to assist with this, be very careful when hiring these type of vendors on your own.  Get pricing from them upfront & before signing the contract.  Any ethical contractor will provide you with this and if they refuse…RUN!  Remember, these charges will be applied to your coverage limits and in the event of a large loss, this could interfere with you recovering the settlement that you need and deserve.

Most of all, stay safe and remember that this is why you have insurance.  If you have any questions at all, we are always here to help as best we can.

Claim Concepts, Inc. is a Florida Based Public Adjusting Firm that handles claims throughout the entire state of Florida.  The team of Public Adjusters at Claim Concepts has decades of experience in both working for the big insurance companies as well as representing policyholders to ensure they recover proper settlements.

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What our clients say…

  • Laura B. AvatarLaura B.

    Ten Stars all the way!!!Greg and Eric were just what I needed in order to get a fair settlement from my insurance company. They truly care about you and work diligently and quickly to see your claim is settled to your satisfaction. I would highly recommend Claims Concepts. thank you Greg and Eric for all you did for my family - 10/22/2018 

    cyril s. Avatarcyril s.

    Hiring Claims Concepts was one of the best decisions that my wife and I have made. A remarkable group of good, sincere people with a strong work ethic. They turned a stressful situation into a positive outcome. The only regret we have is not hiring them sooner. We would recommend them without any hesitation. So, to Greg, Eric and Jesse we thank you from the bottom of our hearts! - 10/02/2019 

    Louis S. AvatarLouis S.

    In a rather difficult time, Greg was reassuring, very professional and genuinely interested in our project. We had frequent updates and he saw the situation through to completion. I highly recommend Claim Concepts. - 10/23/2017 

  • David L. AvatarDavid L.

    Claim Concepts did a great job getting us the money need to replace all that was ruined by the water damage caused by a leaking under the sink water treatment system. We were very happy with the results. - 10/23/2017 

    Summerlin V. AvatarSummerlin V.

    I have done a few claims with insurance companies over the years. It's never easy and the insurance company goes in with the upper hand because they do that all day every day. Well we had a claim started and we were made an offer by the insurance company which I thought was a little bit low. I started by doing an internet search for an attorney but they wanted way too high of a % or they just weren't interested. Along the way I came across Claim Concepts and researched a little more about public adjusters. The insurance company sends an adjuster to represent their best interests and so I figured I would give them a shot at representing my best interests like the insurance company had. Since I had already been offered an amount and the insurance company had already cut a check with final payment on it, it would give me a very good idea of whether or not hiring a public adjuster was beneficial or not. In conclusion, Claim Concepts took over the claim and kept me very much in the loop with emails telling me exactly what was going on and where we were in the process. They were very nice and had it ended there and Claim Concepts were not able to get me any more money I would have been satisfied because I knew they had tried every angle to try and get us the money we were owed. Claim Concepts was able to get more than 6 times the amount the insurance company had sent a check for. So, now I am a believer. Not just in a public adjusters, but Claim Concepts public adjusters. I will never deal directly with an insurance company again. Thank you so much Claim Concepts. - 4/18/2021 

    ALFRED L. AvatarALFRED L.

    I had direct contact with Eric and Jesse and my experience with both of these professionals was exemplary. I observed a sincere desire on both their parts to assist me in anyway they could to obtain an acceptable settlement from my insurance carrier due to a roof leak resulting in extensive interior damage to one of my rooms as well as to my roof. Whenever I had a question or concern, both Eric and Jesse were there to answer those concerns. I am extremely grateful for their assistance in obtaining the insurance settlement that I received. I recommend Claim Concepts, unequivocally, for anyone in need of Public Adjusters. They are the epitome of professionalism, honesty and integrity. - 10/23/2018 

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