If you have suffered property damage from an unexpected event like a fire, flood, or storm, using a public adjuster can help you navigate the often-complicated insurance claims process. Public adjusters are independent claims professionals who work for you, not the insurance company. They assess damage, estimate repair costs, negotiate claim settlements, and help get you the maximum compensation you deserve.

While every claim is unique, there are some common types of property damage public adjusters frequently assist with. Here are the top 10 types of property loss a public adjuster can help you with after a disaster or other covered incident:

1. Fire Damage

Fires can range from small stove-top mishaps to raging structural infernos. But whether the flames were large or small, smoke and heat damage can be extensive and complex. A public adjuster can inspect your property, determine how far the smoke traveled, test surfaces for soot and odors, identify damaged wiring, and thoroughly document all fire-related destruction. 

They use their expertise to prepare a fire damage claim that includes compensation for repairs, replacing personal belongings, temporary living expenses if displaced, and any loss of income.

2. Water Damage

From burst pipes and appliance leaks, to storms and floods, water damage is one of the most common reasons to file an insurance claim. Water can warp floors, cause drywall and wood to swell, encourage mold growth, and damage or destroy furniture, electronics, and other possessions. 

Florida public adjusters are masters at identifying and documenting water damage. They’ll find hidden moisture and know techniques for drying out your property to minimize further issues. This helps maximize your payout for repairs, replacement costs, and temporary housing.

3. Wind Damage

Storms like hurricanes and tornadoes can cause roof damage, broken windows and doors, detached siding, and more. Public adjusters in Florida  inspect inside and out to determine how far wind-driven rain infiltrated your home. 

They’ll also note damage to outdoor structures like fencing, pools, and detached buildings. By detailing every nick and dent caused by extreme winds, public adjusters secure the funds from your insurance company needed to return your property to its pre-storm state.

4. Hail Damage

Hail storms often damage roofs, siding, windows, and vehicles. But the dimples can be so small you don’t notice them right away. A public adjuster has an expert eye for spotting hail damage and will inspect your whole property to identify every impact site. 

They’ll work with contractors to estimate repair costs, including entire roof or siding replacement if needed. For damaged vehicles, they’ll compile an accurate valuation based on the car’s age, mileage, and condition. This avoids lowball offers from insurers looking to total your car.

5. Smoke Damage

Smoke from fires can permeate walls, carpets, upholstery, and ventilation systems, leaving behind an unpleasant odor. But you don’t need visible fire damage to have a smoke damage claim. Public adjusters use industrial hygrometers to measure smoke residue on surfaces. 

They’ll also identify which possessions are salvageable and which need to be replaced due to smoke contamination. Working with restoration contractors, they’ll get your payout for professional cleaning, rebuilding, or disposal and replacement of irrevocably smoke-damaged items.

6. Vehicle Damage

Cars, trucks, motorcycles, boats, ATVs, and other vehicles can be damaged in many types of covered incidents beyond car accidents. Fire, flood, hail storms, falling trees, civil unrest, and more can result in harm ranging from dents to total destruction. 

Public adjusters are pros at inspecting damaged vehicles, identifying repair needs, and negotiating with insurers so you get what your vehicle is worth – whether that’s the repair bill, if it’s fixable, or fair market value if it’s a total loss.

7. Vandalism and Theft Damage

Your insurance may cover damage caused by vandalism and theft – but only if you have the right policy and endorsements. Public adjusters in Orlando help prove any covered vandalism or theft damage, like broken windows, spray paint graffiti, slashed tires, or forced entry. 

They’ll also detail stolen or damaged possessions using receipts, photos, video, and itemized lists. And they know how to negotiate so you’re fully reimbursed for repairs and replacements.

8. Falling Object Damage

Trees or branches, power lines, poles, equipment like construction cranes, even aircraft can potentially crash into properties and cause damage. Your insurance may cover debris removal, repairs to your home and outdoor structures, and damage to vehicles on your property depending on your specific policy. Public adjusters are your best advocate for getting falling object damage fully covered.

9. Mortgage Payment Insurance

Many policies include additional living expense coverage during repairs, but standard coverage may not pay your mortgage. Mortgage payment insurance endorsements cover your mortgage payments for up to a year if you suffer a covered loss that makes your home temporarily uninhabitable. Best public adjusters know how  to negotiate mortgage payment coverage you’re entitled to but may not know about.

10. Loss of Income Coverage

Business owners who suffer property damage may lose income while their company is shut down for repairs. But even personal homeowners may lose wages if they need time off work for meetings with adjusters, contractors, and repairs. Your public adjuster will fight to get you compensated for lost income due to time away from your job to deal with an insured loss.

Let CCA Public Adjusters Get You the Max for Property Damage Claims

Navigating insurance claims alone can cost you money. Insurance companies aren’t necessarily on your side – public adjusters are. With decades of experience advocating for Florida property owners, CCA Public Adjusters can get your claim fast-tracked for review while compiling a detailed assessment and settlement proposal. Don’t leave money on the table – call Orlando’s top public adjusters at CCA Public Adjusters to get professional claims help after storm damage, fire, floods, and other disasters.

We offer free initial case reviews to evaluate your situation and advise if you need a public adjuster. Call us at (407) 565-7642 or email info@ccauaa.com to discuss your needs.