Public Adjuster for Storm Damage Claims in Salt Point, New York

Storm damage can wreak havoc on your property, causing everything from minor repairs to significant structural damage. At JF Public Adjusters, we understand the complexities of storm damage claims and are here to guide you through every step of the process. Whether it’s wind, hail, lightning, or severe rain, our team of experienced adjusters will thoroughly assess your property, document the extent of the damage, and negotiate with your insurance company to ensure you receive the maximum compensation you deserve. Don’t let the aftermath of a storm leave you overwhelmed—contact JF Public Adjusters to get the expert assistance you need to manage your claim and get your life back on track.

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The Different Kinds of Storm Claims Usually Covered by A Standard Policy

Wind Damage

Description: Damage caused by high winds from storms, including hurricanes, tornadoes, and severe thunderstorms.

Coverage: This includes damage to roofs, windows, siding, and structures such as sheds or fences. It may also cover debris removal and temporary repairs to prevent further damage.

Hail Damage

Description: Damage from hailstones that can vary in size from small pebbles to golf ball-sized or larger.

Coverage: Typically covers damage to roofs, siding, windows, and sometimes vehicles (if included in an auto policy). Roofs and exterior surfaces are particularly vulnerable to hail damage.

Lightning Damage

Description: Damage resulting directly from a lightning strike or from electrical surges caused by lightning.

Coverage: Covers structural damage from direct strikes, fire damage resulting from lightning, and damage to electrical appliances and systems due to power surges.

Rain and Water Damage

Description: Damage caused by rainwater entering the home due to a storm, such as through a damaged roof or broken windows (also damaged by the storm).

Coverage: Includes water damage to ceilings, walls, floors, and personal property inside the home. It does not typically cover flood damage, which requires a separate flood insurance policy.

Snow and Ice Damage

Description: Damage caused by heavy snowfall, ice storms, or the accumulation of ice on roofs and other structures.

Coverage: Includes damage from the weight of snow or ice causing roofs to collapse, ice dams that prevent melting snow from draining properly, and resulting water damage inside the home.

Falling Objects

Description: Damage caused by objects falling due to storm conditions, such as tree branches, utility poles, or other debris.

Coverage: Typically covers damage to the roof, walls, and other parts of the property struck by falling objects. Also covers the cost of removing the fallen object from the property.

Fire Damage

Description: Fires caused by storm-related incidents, such as lightning strikes.

Coverage: Includes structural damage to the home, damage to personal property, and costs associated with repairing or rebuilding the affected areas.

Tornado Damage

Description: Extensive damage caused by tornadoes, which often combine high winds, flying debris, and heavy rain.

Coverage: Covers structural damage to the home and other buildings on the property, damage to personal belongings, and sometimes additional living expenses if the home is uninhabitable.

Hurricane Damage

Description: Damage from hurricanes, which involve high winds, heavy rains, and storm surges.

Coverage: Typically covers wind and rain damage to the structure and contents of the home. Flood damage from storm surges would require separate flood insurance.

Severe Thunderstorm Damage

Description: Damage from severe thunderstorms, which can include high winds, hail, and lightning.

Coverage: Includes a combination of wind, hail, and lightning damage as described above, as well as coverage for water damage from rain entering through storm-damaged areas.

Filing a claim for storm damage to your Salt Point, NY home or business?

Don’t let you insurance company push you around. JF Public Adjusters advocate for your rights, securing you the settlement that you’re entitled to. Contact us today for a free consultation and on-site inspection.

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Frequently Asked Questions About Storm Damage and Storm Insurance Claims

A standard homeowners insurance policy typically covers wind damage, hail damage, lightning strikes, snow and ice damage, falling objects, tornado damage, hurricane damage, severe thunderstorm damage, and sometimes fire damage resulting from storm-related incidents. However, flood damage usually requires separate flood insurance.

No, standard homeowners insurance does not cover flood damage. Flood damage requires a separate flood insurance policy, typically available through the National Flood Insurance Program (NFIP) or private insurers.

The approval of a storm damage claim depends on the cause of the damage and the specific terms of your insurance policy. It’s crucial to document the damage thoroughly, provide evidence such as photos and repair estimates, and demonstrate that the damage was caused by a covered peril.

We strongly advise using a public adjuster for storm damage claims. Remember that storms can impact large areas which means a large volume of claims. If you do not have a public adjuster that’s proactively working on your claim, your settlement may be delayed.

Immediately after storm damage occurs, ensure the safety of your family, then document the damage with photos and videos. Take steps to prevent further damage, such as covering broken windows or damaged roofs. Contact your insurance company as soon as possible to report the damage and contact JF Public Adjusters to start the claims process.

The time frame to file a storm damage claim varies by insurance company and policy. Generally, it’s best to file a claim as soon as possible after the damage occurs. Check your policy for specific time limits or consult with your insurance agent.

Filing a storm damage claim can potentially lead to an increase in your homeowners insurance premiums, but it depends on your insurance company, the number of claims you’ve filed in the past, and the overall impact of the storm on your area. Discussing your concerns with your insurance agent can provide more specific insights.

A public adjuster is a licensed professional who works on behalf of the policyholder to assess and document storm damage, negotiate with the insurance company, and help maximize the claim settlement. Public adjusters can provide expertise and advocacy to ensure you receive a fair settlement.

For a storm damage claim, provide photos and videos of the damage, a detailed list of damaged items, receipts for any emergency repairs, and estimates from contractors for permanent repairs. It’s also helpful to keep a record of all communication with your insurance company.

You can make temporary repairs to prevent further damage, such as covering a damaged roof or boarding up broken windows. Save all receipts for these repairs and document the damage before making any changes. Permanent repairs should wait until after the insurance adjuster’s inspection.

The deductible is the amount you pay out of pocket before your insurance coverage kicks in. For storm damage claims, you must pay your deductible first, and then your insurance will cover the remaining costs up to your policy’s limit. Some policies may have specific deductibles for wind and hail damage.

If your storm damage claim is denied, review the denial letter to understand the reasons. Gather additional evidence if necessary, and consider appealing the decision. Hiring a public adjuster or seeking legal advice may help you contest the denial and potentially secure a settlement.

Many homeowners insurance policies include coverage for additional living expenses (ALE) if your home is uninhabitable due to storm damage. ALE covers costs such as temporary housing, meals, and other living expenses incurred while your home is being repaired.

Important Considerations in Storm Claims

  • Deductibles and Limits: Homeowners should be aware of their policy’s deductibles and coverage limits. Some policies may have separate deductibles for wind and hail damage, especially in areas prone to these types of storms.
  • Exclusions: While standard policies cover many types of storm damage, they often exclude flood damage, requiring separate flood insurance. Additionally, damage resulting from poor maintenance or wear and tear is generally not covered.
  • Additional Living Expenses (ALE): If a storm renders the home uninhabitable, many policies cover additional living expenses incurred while the home is being repaired.

Understanding the specific coverages in your homeowners insurance policy can help ensure you are adequately protected against the financial impact of storm damage. It’s important to review your policy details and discuss with your insurance agent or a public adjuster to clarify any questions you may have about your coverage.

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  • We take full responsibility for your claim from start to finish.
  • We have years of industry experience.
  • Your can trust us with all details and negotiations.

  • We respond to your/your insurace company’s requests in a timely manner.

  • We ensure that you receive the maximum settlement you’re eligible for.
  • We only charge a small portion of whatever we recover for you.

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