Hurricane Season always begins on June 1st and usually lasts 5 months. Hurricane and Tropical Storm force winds are extremely destructive to our homes and businesses. In the state of Florida for a claim to be considered a hurricane claim, the wind peril must be a named storm. The reason for this is that majority of Hurricane claims are roof damages the causes extensive water damage. In the state of Florida roof replacement is usually not covered, unless it is the cause of a named storm. Since Florida is exposed to hurricane threats every year, It is extremely important and recommended for property owners throughout Florida to purchase Windstorm/Hurricane Insurance to protect their assets. Like most insurance claims, insurance companies notoriously underpay Hurricane Damage Claims.
Homeowners beware! During this time you might encounter individuals acting as a professionals and pretending to be a public adjuster. This is why you should seek our licensed public adjusters at Cohen & Associates Public Adjusters to be on your side.
Securing your property in the event of a hurricane you should do the following:
- Cover you windows with either hurricane shutters or wooden boards.
- Tape does not prevent windows from breaking may prevent the glass from shattering everywhere
- Make sure your trees and shrubs are trimmed and that your rain gutters are cleared
- Strap and/or clip a tarp to your roof
- Reinforcements of garage doors
- Making sure all outdoor furniture and our equipment is brought inside
- Most importantly stay safe!
Cohen & Associates Public Adjusters highly recommend after a hurricane, take photographs of any damages and other items you may have lost. Photos will assist in substantiating your losses and in the settlement of your claim, particularly with respect to personal property. Also make sure to keep receipts of any expenses associated with being displaced from your home as a result of the tornado, such as hotel stays and meals.