Storm Damage

Storm Damage Property Insurance Claim

Tornadoes and big storms can wreak havoc on your property, disrupting your life for weeks or even months. At Fortitude Public Adjusters, we specialize in helping you recover from these powerful storms. We understand the complexities of tornado damage claims and are here to document, prove, and present your case to the insurance company. Our commitment to expediting the insurance claim process ensures you the best service and highest settlement.

Don’t let denied or underpaid claims add to your stress. Contact us today and let us help you get back on your feet.

Public Adjuster

How We Help

After suffering from such a loss, the last thing you want to do is undergo the long and tedious process of submitting a claim through your insurance company. As a reputable, licensed storm damage public adjusting firm, here are some ways we help with the claims process:

Initial Assessment

We conduct a thorough evaluation of the storm damage to your property, including structural damage, contents affected, and potential loss of use.

Policy Review

We will review your insurance policy to understand the coverage and limitations relevant to your storm damage claim.

Precise Documentation

We will help gather all necessary documentation to support your claim, including photos, videos, receipts, and any other relevant evidence of the damage.

Negotiation with Insurer

We act as your advocate in negotiations with the insurance company to ensure you receive fair compensation for your damage claim.

Settlement Maximization

We will ensure you receive the full amount you are entitled to under your policy.

Communication Liaison

We will handle all communication with the insurance company on your behalf, including submitting documentation, answering questions, and providing updates on the progress of your claim.

Navigating Storm Damage

It can be confusing to understand how the storm damage claims process works. Check out our blog, Does My Homeowners Insurance Cover Tornado Property Damage?, to learn more about the storm damage claim.

Storm with tornado and lightning

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FAQs

Yes, homeowners insurance typically covers storm damage, but the specifics can vary based on your policy and the type of storm. Generally, a standard homeowners insurance policy includes coverage for windstorms, hail, and tornados.

However, it’s important to note that certain types of storm damage, such as flooding or earthquakes, are not typically covered under standard homeowners insurance and may require additional policies. Always review your policy details or consult with your insurance provider to understand your coverage and any exclusions or limitations that may apply.

Most insurance policies include coverage for ALE (additional living expenses) when your home becomes uninhabitable due to a covered loss. You can review our ALE resource to get a better understanding of what ALE is and how it might impact you during such events.

Actual Cash Value (ACV) and Replacement Cost Value (RCV) are two different calculation methods used by insurance companies to determine the value of covered property if destroyed or damaged. Read more about ACV versus RCV to understand how your insurance company is calculating your coverage for damage claims.

It’s important to understand that an insurance adjuster has the insurance company’s best interest in mind when it comes to fire damage insurance claims. That’s why public adjusters are so crucial because we work on your behalf to make sure you’re getting a fair assessment and payout.

Resources

hand holding yellow tiny umbrella over a house, car, and people figurines

Guide to Homeowners Insurance Policies

Glossary of relevant insurance terms

Definition of Relevant Property Insurance Terms

property insurance claim guide with Fortitude public adjusters

Fortitude Public Adjusters’ Expert Guide to Get the Most Out of Your Property Insurance Claim