You should report your claim as soon as possible. If there are multiple hurricanes in a year ora severe hurricane, it may take longer for an adjuster to get to you. It is not uncommon for insurers to prioritize claims by their severity. In other words, if your home is destroyed, you would receive a higher priority than someone with a few roof tiles missing. You might consider this fact when determining how soon to call to follow up on your claim.

You are required by your insurance contract to make temporary repairs to prevent further damage. The adjuster must see the damage to evaluate your loss. Take pictures of the damage and keep all receipts for materials purchased for emergency repairs. You should not dispose of any damaged property until the company has completed an inspection.

It depends on what happened to your home. It is not uncommon for people living near water to have a flood claim and a windstorm claim. If you are unsure, call all three carriers and they will determine who is responsible for repairs.

Normally, your personal property is covered anywhere in the world as long as it's not located in another residence owned by you. However, talk with your agent to confirm that your current policy adequately protects your property. If the policy does not provide coverage while you are temporarily living somewhere else while repairs are being made to your home, you may need a tenant's policy to cover your personal belongings and liability.

Adjusters must be licensed by the Department of Financial Services (DFS). Insurance companies can hire temporary emergency adjusters, many of whom come from other states. These adjusters are issued temporary licenses. Ask to see your insurance adjuster's license or other documentation that proves they represent your insurance company if they have not yet received their temporary adjuster's license. Company adjusters will not charge you a fee or ask you to sign a contract to adjust your claim.

A public adjuster is licensed by the Department of Financial Services and represents the insured's interests in resolving claims with an insurance company. Unlike the independent or company adjuster, who represents the insurance company in the resolution of claims, public adjusters become your contractual representatives. Public adjusters charge a fee (usually a percentage of the claim) to process the claim on your behalf. Ask to see their license. Please keep in mind a contract signed by you and a public adjuster is legally binding. If you change your mind later, you may not be able to get out of the contract.

You may cancel the contract with no penalty or obligation within 10 days after the date on which the contract is executed.  However, in addition, effective 07/01/2023, if the contract was entered into to adjust claims resulting from an event that was subject of a declaration of emergency by the Governor, then you may cancel the contract without obligation within 30 days after the date of loss or 10 days after the date on which the contract is executed, whichever is longer.  You may also cancel a contract without penalty or obligation if the public adjuster does not provide a written estimate of the damage to you and the insurer within 60 days of the execution of the contract.

It depends on the severity and the extent of the damage caused by the disaster. Adjusters come into the disaster areas as soon as they are permitted to do so by emergency officials. If you have reported your loss to the insurer, they may be able to give you an estimate of the timeline in which the adjuster should contact you.

Call the Florida Department of Business and Professional Regulation at (850) 487-1395 and check the license of the contractor. Also ask for references from the individual and be sure to check them. Most of the time an insurance company does not recommend a contractor, so be wary of those that claim the insurance company sent them. Ask to see something in writing.

No, his homeowners' policy would cover the damage to his house unless you are legally liable for his damage. Normally, to be legally liable, you must be negligent.

No. You must carry physical damage coverage on your boat for the claim to be paid.

There wouldn't be coverage for the other boats or the marina unless you were negligent. For any liability policy to respond, you would have to be legally liable for the damage.

Generally, there will be a water mark/line on the interior parts, such as the floor mats, seats and console/dash, which will indicate the level of water intrusion. Once the vehicle has either dried out or has been cleaned it may be difficult to determine the presence of or the extent of water intrusion.

It always depends on the degree of the flood. If the damage is from salt water, and it rises to the point of reaching the inside floorboards, your insurer will more than likely total the vehicle. If the damage is from fresh water, the extent of the water intrusion will indicate whether or not your insurer totals or repairs the vehicle. Please be mindful that some automobile policies do not cover flood. Therefore, please ensure that you read the policy for any restrictions or exclusions.

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