Hurricane season in Florida can leave serious damage behind—especially in Orange County, where homes may suffer from wind, rain, and flying debris. Knowing how to file a proper insurance claim is key to protecting your property and recovering quickly.
A public adjuster can guide you every step of the way. Here’s your complete guide:
🌪️ 1. Ensure Safety First
Before anything else, make sure your family and home are safe. Avoid electrical hazards or structural risks.
📸 2. Document All Damage
Take clear photos and videos of:
- Roof damage
- Water intrusion
- Broken windows or doors
Interior damage to ceilings, floors, and furniture
Save all receipts for temporary repairs or emergency services.
📝 3. Notify Your Insurance Company
You must report the claim quickly. But remember—anything you say may affect your payout.
Tip: Call your public adjuster first for guidance on how to report the claim properly.
🔍 4. Request a Detailed Inspection
A public adjuster conducts a full, independent inspection and prepares an estimate that reflects the true cost of repair—not just what the insurance company wants to pay.
⚖️ 5. Review and Negotiate the Settlement
Don’t accept a lowball offer. Your adjuster will negotiate on your behalf and help you understand your policy limits, deductibles, and options.