Knowing your rights may be the difference between a claim paid and a claim denial.

What do you do when you know your property has been damaged but the insurance company adjuster "just doesn't see it"?

Damage from Hurricanes in Highland Beach is often sudden and dramatic. Other Hurricane is less evident and may remain hidden or undetected for years. Hurricane winds cause damage to roofs, fences and pool enclosures outside of your home. They also cause water damage and mold growth inside your home due to window, door and roof failure. Hurricanes generate tornadoes which can cause tremendous damage to one property but leave the adjacent property relatively intact. Hurricane wind speeds vary at different heights and create turbulence and micro-bursts of wind which can cause serious damage. Air pressure differences between the inside and outside of your home can cause your doors and windows to bow in and out and warp. Exterior wood doors can warp from exposure to wind driven rain and flexing windows and patio doors may be permanently compromised. Roof tiles can "lift" from high speed winds traveling over your roof creating negative pressure much like an airplane wing.

If the damage is obvious the insurance company will pay, but is it enough? After Hurricanes, contractors are hard to find and the high demand causes prices for materials and labor to soar. The hurried insurance company adjuster may not address the full scope of the work, identify the subtle damage or be aware of code issues.

In fact the insurance company may limit what the adjuster can pay for certain items and not give the adjuster the authority to pay for roofs, pool enclosures and other expensive items. Call Capital Public Adjusting to represent you. You have five years to re-open your claim for supplemental payment. Our adjusters will review the insurance company estimate, any photos, invoices and receipts you may have and inspect your property to determine the proper scope of work and any deficit in your initial settlement offer. We see the loss 100% from your perspective, not the insurance company's. The best time to call us is immediately following the Hurricane so we can document and set your claim up properly from the start.

You may also find the following links helpful:

• If you've sustained damage from non-hurricane/non-tornado winds, please visit Hail, Wind, Storm damage in Highland Beach
• For information on claims regarding Commercial Loss, please visit Commercial Loss Claims in Highland Beach
• For claims involving a Building Collapse in Highland Beach, please visit Building Collapse Insurance Claims in Highland Beach