Maximizing Your Storm Damage Claim: A Florida Public Adjuster’s Guide

Florida’s weather can be unpredictable and severe, with hurricanes, tropical storms, and heavy thunderstorms causing significant property damage. As a Florida Licensed Public Adjuster, I understand how overwhelming it can be to deal with insurance claims after a storm. My goal is to help homeowners and business owners navigate the complexities of storm-related claims and secure the highest possible payout for their losses.

Understanding Storm Damage Claims

Storm damage can range from roof leaks and structural damage to flooding and mold growth. Insurance policies often have intricate provisions regarding windstorm, hail, and water damage, making it essential to document all losses accurately. Many policyholders are unaware of the extent of their coverage or the strategies insurers use to minimize payouts.

Exterior Signs of Storm Damage:

1. Roof Damage:

   • Missing, lifted, or broken shingles

   • Dents or cracks in shingles from hail

   • Leaks or water stains on ceilings inside the home

   • Granules from shingles accumulating in gutters

2. Siding & Exterior Walls:

   • Cracks, dents, or holes in siding from debris impact

   • Paint chipping or peeling due to water infiltration

   • Loose or missing siding panels

3. Windows & Doors:

   • Broken, cracked, or shattered glass

   • Dents or warping on frames due to high winds

   • Water intrusion or leaks around windows and door frames

4. Gutters & Downspouts:

   • Detached, clogged, or bent gutters and downspouts

   • Water overflow due to debris blockage

   • Missing gutter sections

5. Chimney & Vents:

   • Loose or missing chimney bricks

   • Dislodged vent covers

   • Tilting or leaning chimney structures

Interior Signs of Storm Damage:

1. Ceiling & Walls:

   • Water stains, bubbling, or discoloration

   • Peeling paint or wallpaper

   • Mold growth in damp areas

2. Floors & Carpeting:

   • Warped or buckling floors from water exposure

   • Damp or musty smells indicating hidden moisture

   • Stains or soggy carpet padding

3. Attic & Insulation:

   • Wet or compressed insulation

   • Visible daylight through the roof

   • Mold or mildew formation

4. Electrical Issues:

   • Flickering lights or power outages after a storm

   • Exposed or frayed wiring due to moisture

   • Malfunctioning appliances or tripped breakers

Foundation & Structural Issues:

1. Cracks in Foundation or Walls:

   • New or widening cracks in walls or ceilings

   • Doors and windows sticking or misaligning

   • Soil erosion around the foundation

If you notice any of these signs after a storm, it’s important to document the damage with photos and videos, mitigate further damage if possible, and contact a professional—such as a licensed public adjuster—to assist with your insurance claim.

Steps to Take After Storm Damage

To maximize your storm damage claim, consider these essential steps:

1. Ensure Safety First – Before assessing any damage, confirm that it’s safe to inspect your property. Watch out for downed power lines, flooding, or compromised structures.

2. Document Everything – Take clear photos and videos of all visible damage. This includes roof damage, broken windows, interior water intrusion, and destroyed personal property.

3. Mitigate Further Damage – Most policies require property owners to take reasonable steps to prevent further damage. This may include tarping roofs, boarding windows, or drying out wet areas to prevent mold growth.

4. Review Your Policy – Understanding your insurance policy is crucial. Look at deductibles, exclusions, and specific storm-related clauses that may impact your claim.

5. File a Claim Promptly – Report the damage to your insurance company as soon as possible. Delays in filing can sometimes impact the claim’s outcome.

6. Consult a Public Adjuster – Insurance companies prioritize minimizing their payouts. A public adjuster works for you—not the insurer—to ensure a fair settlement. We analyze your policy, assess damages, and negotiate on your behalf to secure the best compensation.

HOW EVOLUTION USA ADJUSTERS CAN HELP

We specialize in handling mold-related insurance claims to ensure you receive the coverage you deserve. When you work with Michael Lopez at Evolution USA Adjusters, you benefit from:

✔ A Thorough Inspection – We identify all affected areas and document the damage in detail.

✔ Expert Negotiation – We handle all communication with your insurance company, ensuring they can’t undervalue or deny your claim unfairly.

✔ Maximum Compensation – We fight to get you the full amount needed for professional remediation and necessary repairs.

✔ No Upfront Fees – We only get paid when you do, so there’s no risk to you.

GET A FREE DAMAGE INSPECTION TODAY!

If you suspect damage in your home, don’t wait for it to worsen. Contact Michael Lopez at Evolution USA Adjusters today for a FREE inspection! We’ll assess the situation, handle your insurance claim, and ensure you get the coverage you need to restore your home safely.

📞 Call Now: (407) 777 - 6327

📧 Email: claimadjusting@hotmail.com

🌐 Visit Us: evolutionusaclaims.com

Don’t let your insurance company shortchange you. Take action now and let us help you reclaim your home from mold damage!