Types of Claims

Virtually all homeowners’ insurance policies cover damage caused by windstorms, hurricanes and hail, unless you sign a hand-written statement requesting to waive the coverage. If your home is located in the Wind-Pool Area, it is likely that Windstorm Coverage is excluded on your regular homeowners’ policy and you must purchase a separate windstorm policy if you want that type of coverage. Most lenders require you to carry Windstorm Coverage if you have a mortgage as well as other forms of insurance to protect their interest in the property.

Whether your home is damaged by a hurricane, wind, fire or any other cause of loss, you must make reasonable emergency repairs to prevent further damage of the insured property. Always take photos of any damaged property and save all receipts for material and labor costs which are used in making emergency repairs. Never throw away any damaged personal property until instructed to do so by your public adjuster, particularly if the carrier adjuster has not had an opportunity to inspect and document the items in question. In fact, if you have the space available, save them. The company has a right to inspect the damage before you receive any payment on your claim and not allowing them their right can jeopardize your loss settlement. ALWAYS keep an accurate phone log of the dates, times, and the names of all the people that you speak to regarding your claim. Also, keep a copy of anything you sign and properly fill out the documents or forms that the insurance company sends you to address. Some policies require a Proof of Loss and it is your responsibility to prepare all documents, photos, inventories etc. available for your company adjuster and the carrier in order that they may not be impeded in investigating the loss. Some of the requested items have time constraints which are important to understand and comply with in accordance with your policy. Hiring us at Southern Public Adjusters alleviates the burden of understanding your policy and complying with your obligations. Mr. Quintana’s staff of professionals handles all aspects of your claim so you do not need to worry about what to do or say. We will guide you through the intricacies of the policy and the claims process and will always protect your best interests since we have a full fiduciary duty to our clients alone. At Southern Public Adjusters, your interests are our interest. We do not recommend contractors, mediation experts, engineers, etc. Our job is to expedite, prepare, consult and interpret your policy so that your the insured DO NOT HAVE TO. Hire someone you trust, Hire Southern Public Adjusters with over 30+ years of experience in this field.