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Hurricane Damage Claim Services By A Public Adjuster

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 WE WORK FOR YOU - NOT THE INSURANCE COMPANY.

 WE HAVE A STRATEGIC APPROACH BASED ON DECADES OF EXPERIENCE.

 REAL EXPERIENCE = REAL RESULTS.

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We Are Hurricane Damage Claim Experts

As we all know, Hurricanes are one of the worst natural catastrophes that can occur.  The mass damages caused by Hurricanes create chaos in the claims world.  Insurance companies will scramble to get a team of adjusters to the location to handle the high volume of Hurricane Claims, unfortunately, due to the extremely high quantity of Hurricane Damage Claims, there are often many inexperienced adjusters working these types of storms.

Tile Roof Blown Over Neighborhood House, Seeking Repair
Home Severely Damaged from Hurricane, Aiming for Recovery

How Can Claim Concepts Help With Your Hurricane Damage Claim

First, you need to understand how insurance companies handle hurricane insurance claims. The insurance company will employ an adjuster to work on their behalf.

Your insurance company pays and trains these adjusters to represent their interests. Do you trust that they are also looking out for your interests?

Insurance companies do not make any money paying claims. The claims division is most likely their most significant expense and, therefore, the easiest place for them to increase their profits.

Our passion and expertise are to put an accurate dollar value on your loss and relentlessly fight to recover it from your insurance company.

We don’t work for the insurance company. We work directly for you with ONLY your interests in mind.

As your State Licensed Public Adjuster Firm, we are here to offer you Help with your Hurricane Damage Claim!

Our claim team has experience working on Hurricane Claims dating back to Hurricane Andrew since our team members have had feet on the ground for Hurricane Wilma, Hurricane Francis, Hurricane Jeanne, Hurricane Sandy, Hurricane Irma, and Hurricane Michael.

You probably have enough to deal with right now. Our job includes the preparation of building damage estimates, contents inventory lists, and documenting your other losses. We handle all the tedious tasks of compiling, filing, and settling claims.

FAQs: What You Need to Know

  • How does a hurricane insurance claim work?
    • It starts with documenting your losses and filing a claim with your insurance company.
  • What can you claim after a hurricane?
    • Property damage, lost items, and sometimes even temporary living expenses.
  • How is hurricane damage paid for?
    • Through your insurance claim, if approved.
  • What happens if my home is damaged in a hurricane?
    • You should immediately contact your insurance company and consider hiring a public adjuster.

Don't Navigate the Storm Alone

Hurricanes are dangerous, scary events that can lead to massive damage. But with Claim Concepts by your side, you don’t have to navigate this storm alone. We’re here to help you every step of the way.

For more information on dealing with hurricanes and insurance claims, check out this comprehensive guide by NJDOBI.

Greg Roover & Eric Thomas of Claim Concepts both bring experience working on both sides of the fence, being trained by the Big Insurance Companies, they know how they work, think, and act.  Their experience working on both sides has helped many property owners achieve the claim settlement that they deserved.

Don't Take Our Word For It

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Meet Our Leadership Team at Claim Concepts

Our Commitment

At Claim Concepts, Eric and Greg embody the epitome of professional excellence, seamlessly intertwined with a profound personal commitment and a fiery passion that sets them apart. Their unique journeys reflect our company’s commitment to defining, genuinely understanding, and advocating for our clients. With Claim Concepts, you’re hiring experts and gaining partners who will tirelessly ensure your rights and interests are protected and fairly served.

Greg Roover

Greg Roover - Owner and Public Adjuster at Claim Concepts: Leading the Way in Insurance Claims Assistance
Owner/Public Adjuster

Inspired by Personal Experience

Greg’s path to becoming a Public Adjuster was deeply personal. The Northridge Earthquake was a turning point, where his family’s experience with a public adjuster opened his eyes to the profound impact of this role. Greg embarked on a strategic career journey, motivated by a desire to help others as his family was helped. He honed his skills working for prominent insurance companies as an independent insurance adjuster and NFIP-certified flood adjuster. 

In 2008, Greg’s vision came to fruition with the founding of Claim Concepts. His insider knowledge, gained from years within the industry, and his passion for aiding others have been instrumental in the company’s success. Greg’s expertise is not just in his impressive resume but in the countless testimonials from those he has aided, reflecting his dedication to securing the rightful settlements for our clients.

Greg's Expertise Backed by Industry Accreditations

Morgan "Eric" Thomas

Morgan - Your Trusted Public Adjuster at Claim Concepts
Public Adjuster

From Adjuster to Advocate

Eric’s journey in the insurance world began in 1989, marking the start of a career defined by expertise and dedication. Fresh out of college, he jumped into the role of an independent adjuster, swiftly advancing to a general adjuster position at a major firm. There, Eric specialized in complex homeowners and commercial property insurance claims, showcasing his skill in navigating intricate scenarios. 

In 2001, his career took a pivotal turn towards the construction aspect of insurance. As the General Manager for a renowned Insurance Restoration Contractor, Eric oversaw everything from estimating to maintaining vital relationships with insurance companies. His profound understanding of insurance and construction led him to Claim Concepts, where he now thrives as a Public Adjuster. His unparalleled insight has been crucial in ensuring that our clients receive the settlements they genuinely deserve

Eric's Expertise Backed by Industry Accreditations

Begin Your Hassle-Free Damage Claim Journey Today with Our Expert Support

4 EASY STEPS TO FILE A DAMAGE CLAIM WITH US

Our team of experienced insurance professionals has developed a proactive claim management strategy & process to help you receive the proper settlement that you need and deserve. We understand that proving your claim can be a daunting and time-consuming, and we are here to alleviate that burden for you. Our goal is to make this process as seamless and stress-free as possible for you while ensuring that you recover the full and proper settlement for your loss.

STEP 1 - Complimentary Consultation

We invite you to speak with one of our professional Public Insurance Adjusters about your situation. Our team will carefully review your policy, claim-related documents, and the extent of your damages. Based on our thorough evaluation, we will then offer our professional opinion on the best course of action for your specific circumstances.

STEP 2 - We Go To Work On Your Behalf

Our team of experienced public adjusters is dedicated to thoroughly documenting every aspect of your claim. We understand the importance of utilizing advanced technologies, such as 360 photography, thermal imaging, and moisture detection equipment, to fully capture all damages. This meticulous process ensures that we have a comprehensive record of all losses incurred. We will then prepare a detailed estimate, utilizing industry-standard estimating software, and assist you in creating an inventory of damaged personal property.

STEP 3 - Path Toward Settlement

Upon your approval, we will submit the estimate along with any supporting documentation to the insurance company on your behalf.  We will always protect your interests and ensure that you comply with all of your post-loss obligations provided within the policy.

STEP 4 - Settlement

We will keep you in the loop and present any offers made by the insurance company.  We will only accept settlement offers with your approval. 

GOT QUESTIONS? WE HAVE ANSWERS

Peace of mind! We are here to represent you and your interest in the claim. Unfortunately, insurance companies often times deny claims that should be paid or do not pay enough money on a covered claim. This is not always the case and even when it is it may not be intentional. I know that most adjusters have the best of intentions but sometimes they may be inexperienced or simply trained to see things one way, the way the big insurance company wants it to be seen. As Public Adjusters our number one job is to get you the largest settlement available to you under your policy with the insurance company.

NO. By state law we as Public Adjusters are not allowed to represent the insurance companies. We can only represent the insuring public.

The public adjuster is employed by you, the insured. Their function is to represent your interests and ensure that you recover the proper settlement for all of your losses per the terms of your insurance policy. The insurance company’s adjuster works for the insurance company and is responsible to protect their interests throughout the claim.

Public Adjusters typically work on a contingency basis which equals a small percentage of any money recovered by the insurance company.

NO! This is NOT required under any policy that I have seen to date and I do not recommend it.  In the event of a loss it is best to employ a Reputable Public Adjuster that knows what the policy will cover and what it takes to get your property back to its pre-loss condition. Many contractors will provide you with a competitive bid to make repairs but not necessarily get your property back to its pre-loss condition.

No.   In most cases we can reopen your file with a supplemental claim. There are many factors involved. Give us a call and we will be happy to offer you a free claim consultation.

Not necessarily.  It is not recommended to file a claim every time you spill a glass of water as you may become classified as a nuisance claim maker. Property insurance is typically rated based on your area which is why all homeowner rates increased in Florida after the hurricanes, whether you filed a claim or not. The risk is more related to the area where your property is located and in commercial situations the use of the property.  However, it is known that there are databases where claim activity is logged and each insurance company may have their own stipulations based on claim activity of the individual or the property.  Ultimately, you buy insurance to protect you in the time of a loss.  If you are debating whether you should file a claim or not, please feel free to call and speak with one of our Public Adjusters about your particular situation, we are always happy to help.

Do not do anything before having a qualified Public Adjuster or Attorney take a look at your file. Depending on the way everything is written you may be agreeing to their offer by depositing the check. We do not charge anything to come out and evaluate your particular situation.