Hurricane/Wind Hail

Hurricane Claim Public Adjuster

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!

Be Prepared

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.

Hail Claim Public Adjuster

Hail can be in the form of balls or lumps of ice, varying in size from small pellets to large tennis balls.

Hailstorms can cause significant damage to roofs.

1. Shingle Damage: Hail can crack or break shingles, leading to leaks and structural damage.

2. Granule Loss: The force of hailstones can dislodge the protective granules on shingles, exposing the underlying material to UV rays and moisture, which can accelerate deterioration.

3. Dents and Dings:Metal roofs can suffer dents and dings from hail impact, compromising their integrity and longevity.

Hail Damage Claim Florida

Hail can damage different types of roofs in various ways:

Asphalt Shingle Roofs

Asphalt Shingle Roofs

Hail can cause dents, cracks, and punctures in asphalt shingles. The force of impact can dislodge granules, exposing the underlying asphalt material to UV rays and moisture, leading to accelerated deterioration and potential leaks.

Metal Roofs

Metal Roofs

Hail can dent and scratch metal roofs, especially those made of softer metals like aluminum. These dents not only affect the aesthetic appearance but also weaken the structural integrity of the roof, potentially leading to leaks and corrosion over time.

Tile Roofs

Tile Roofs

While durable, tile roofs can still suffer damage from hail impact. Hailstones can crack or break individual tiles, leading to water penetration and structural issues. Additionally, the force of hail can dislodge or shift tiles out of place, compromising the roof’s ability to shed water effectively.

Flat Roofs

Flat Roofs

Hail can puncture or tear membranes on flat roofs. These punctures can result in leaks and water damage to the underlying structure, insulation, and interior spaces.

In summary, hail can cause a range of damage to different types of roofs, including dents, cracks, punctures, granule loss, and structural compromise. It’s essential for homeowners to inspect their roofs after hailstorms and address any damage promptly to prevent further deterioration and costly repairs.

Having a public adjuster with hail claim representation is important because:

  1. Expert Assessment: Public adjusters specialize in evaluating property damage and can provide a thorough assessment of the hail damage to ensure nothing is overlooked.
  2. Maximized Claim:Public adjusters advocate for policyholders to maximize their insurance claim payout, ensuring that all damages are properly documented and compensated for.
  3. Negotiation Skills: Public adjusters have experience negotiating with insurance companies on behalf of their clients, helping to secure fair settlements.
  4. Peace of Mind: With a public adjuster handling the claim, homeowners can focus on other priorities while knowing that their interests are being represented effectively.

Overall, having a public adjuster with hail claim representation can significantly benefit homeowners by ensuring that they receive proper compensation for the damage inflicted by hailstorms on their roofs.

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