Hail Damage Claim in Okeechobee Florida – Slightly underpaid?

On April 24th, 2011 Okeechobee Florida had a hail storm that caused many Hail Damage Claims.

We had the pleasure of working with a very sweet couple that lived in a mobile home park that was in the unfortunate path of this severe storm system.  They were out of town at the time of the loss but a caring neighbor took care of fixing a broken window and further explained to them the damages that they saw at the home.  The homeowner then did what most would do and called their insurance company to report their hail damage claim.

Not long after filing the claim they received a letter showing that the claim was only for $90 which was below their deductible so there would be no payment being made.  The homeowner then called and asked if another adjuster could come by as they believed there was more damage than that, the answer they were given very much shocked me, they told him that they did not have an adjuster available in the area.

hail damage to shingle roof

Public Adjusters Help with Hail Damage Claims

On November 10th, 2011 we received a call asking for our assistance.  Upon inspecting the property and hearing his story we were more than happy to get involved as he was clearly not being treated fairly.  Soon thereafter we met with an adjuster and after we presented the missed items to the adjuster received a check for just over $5,200.  This was not a proper payment in our opinion and after voicing this we received an additional check for just over $1600.  This is still not nearly enough for the loss, the justification and repair recommendations were not acceptable to us and we proceeded to request Mediation through the Department of Financial Services.  In mediation we were able to recover an additional $9600.00.

This hail damage claim that originally was accessed at $90 was now over $16,000.00.  Needless to say, this insured was impressed an disappointed at the same time.  The lesson to be learned from a case like this is that a second opinion is always a good idea.  When we where first retained he was really only looking for a couple thousand dollars, he simply did not realize the extent of the damages and if you are not familiar with what to look for it could be very easily missed.


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What our clients say…

  • Patsy B. AvatarPatsy B.

    Greg was super professional and helped me do battle with a very reluctant insurer (Peoples). Our damage claim was fair to both sides, and was very happy Peoples finally saw it that way. Greg was on time for appointments and kept in excellent communication. I would not hesitate for a moment to recommend him to family and friends and use in future-- God forbid--if I had insurance problems or damage to my home - 11/23/2018 

    Steve L. AvatarSteve L.

    I was very impressed with the level of service I received from Claims Concept. Greg, Jesse, and Eric were very professional and took the time to explain and handle the entire process. I highly recommend Claims Concept! - 1/19/2021 

    Cyn AvatarCyn

    Great service from Claim Concepts, It helped me so much dealing with uncooperative insurence and received what I deserved, Thank you so much Greg! - 10/02/2018 

  • Rich B. AvatarRich B.

    Attention to detailThey were an invaluable asset in helping me to maneuver the complexity of getting my claim settled.No headaches , no hassle, they take care of everything. - 10/02/2017 

    nancey c. Avatarnancey c.

    Eric, Greg & Jesse were amazing! Very responsive, professional & freindly. My claim was not a simple cut & dry situation & entailed replacing the ceramic tile throughout my 2400 sq. ft. home. Claim Concepts handled everything from start to finish for me. They procured a great settlement and kept me up to date with all the progress as the claim moved forward.The settlement covered all my repairs plus! I'd highly recommend them to anyone!! Thank you guys for a great experience! - 3/08/2020 

    Anthony O. AvatarAnthony O.

    We chose Claim Concepts because of their outstanding credentials and experience, and we were not disappointed. Eric was great to work with, and he demonstrated great knowledge and negotiating ability. We are sure we would have received only a small fraction of the insurance settlement that Eric was able to obtain without him. I hope we never need a public adjuster again, but we now know whom to call if we do. - 12/02/2019 

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