Wind damage in Florida often costs more than your deductible. You’ll want to seek an insurance settlement from your home insurance company. As we’ve discussed, however, that isn’t always easy for homeowners who are working directly with their insurance company. Insurance companies often try to pay you an amount that doesn’t cover or replace your damaged property at the quality your property was prior to the wind damage.
However, even if you are issuing your home insurance company a claim, they may still attempt to deny your claim, even if your policy claims that you are covered for wind damage. Therefore, it’s incredibly important that you know the ways that your insurance company will try and deny your claim. Being armed with the facts, you’ll be ready with a thought out a response rather than the helpless feeling of having wind damage and no way to pay for the repairs..
An insurance adjuster is different than a public adjuster. A public adjuster, like Bulldog Adjusters, for example, works for you, the insured homeowner. We don’t work for the insurance company. The insurance company will send an insurance adjuster who inspects the damage brought on by the wind, hurricane, or tornado and writes an estimate for how much he/she thinks it would cost to restore your damaged property back to working order (not the original quality at which it was prior to the wind damage occurring.