Hurricane Claims

All Claims Solutions answers questions about hurricane property damage and what your next steps should be.

During the last decade we have successfully represented thousands of homeowners who are still recovering from roof damages caused by Hurricane Irma and other natural disasters.

Q: HOW DID HURRICANE IRMA AFFECT HOMES AND WHY HAVE SOME HOMEOWNERS WAITED UNTIL NOW TO PROCESS THEIR CLAIM?

A: Hurricane Irma was a dry hurricane that created lots of damage to all types of roofs. However, due to the small amount of rain, in many cases water stains were not visible inside properties until the raining season began. Therefore, many home owners didn’t realize (or have yet to realize) that this cyclone affected their properties and that they are in urgent need of a new roofing system.

Q:  ARE FLORIDIANS STILL ON TIME TO FILE HURRICANE IRMA CLAIMS?

A:  Yes, but the statute of limitations to report a claim in Florida is three years. Even if homeowners have switched carriers or have no insurance at all at this moment, as long as they had a policy effective on September 10th, 2017, they still have the right to be covered.

Q:  CAN HOMEOWNERS FILE A CLAIM BY THEMSELVES?

A:  Yes, but when you file a claim, insurance companies have adjusters protecting their interests. You should have an expert on your side too. In a recent study, a Florida government agency concluded that claimants represented by public adjusters, collected an average of over 700% more than those that did not seek representation.

Q:  HOW DOES THE TEAM AT ALL CLAIMS SOLUTIONS GET PAID?

A:  We are only paid once we are successful with a claim. There are no at front costs or out of pocket expenses from the insured. Our percentage comes from the insurance claim’s proceeds. We maximize the claim in a way that our clients are able to perform all repairs with their net amount after our fee and deductible.

Q:  WILL MY INSURANCE COMPANY INCREASE MY PREMIUM OR DROP ME IF I FILE A CLAIM?

A:  Insurance companies can drop you or increase your premium at any time, even if you have never filed a claim. At the end of each policy period, they can decide to either renew the policy or not, and you can also find a new carrier whenever it is needed. Remember, there are no benefits for staying with the same company for a long time.

Q:  WHY WAS 2005 SO IMPORTANT?

A:  Right after many houses got affected by Hurricane Wilma and Hurricane Katrina in 2005, roofing contractors started using a new technique for laying roof tiles that provided more wind resistance. It is highly possible that a roof that was installed before 2005, has a combination of discontinued tiles and evidence of wind damage. It’s important to get this checked out if this is the case.

Q:  HOW CAN SOMEONE QUALIFY?

A:  All residents in the tri-county area can contact us at any time to schedule a free inspection and policy evaluation. We are here to help!

By Christian & Laura Hernandez
Owners of All Claims Solutions
allclaimssolutions.com