Hurricane season in 2024 brought devastation to the Gulf Coast, with Hurricanes Milton and Helene leaving significant destruction in their wake, such as flood, wind, roof, tornado damages, and more. If you’re one of the countless homeowners affected, you’re likely dealing with insurance companies dragging their feet, underpaying claims, or outright denying them. Frustrating, right? The number of similar situations we see with our new clients calling in is outrageous.
The aftermath of these storms has created a nightmare for policyholders trying to rebuild their homes and lives. But here’s the thing: You don’t have to settle for less than you deserve. Let’s dive into why this happens, what your rights are, and how to challenge those underpaid claims effectively.
Why Are Insurance Claims Being Underpaid or Denied?
Insurance companies often promise to protect you in your time of need. Yet, when disaster strikes, it’s not uncommon for these promises to fall flat. After Hurricanes Milton and Helene, many policyholders reported:
Delays in claim processing:
Insurance companies taking weeks or months to respond.
Underpaid hurricane claim settlements:
Payouts covering only a fraction of the damage.
Outright claim denials:
Claims rejected without proper justification.
Poor desk examiner communication:
Endless phone calls and emails being ignored.
Sound familiar? Unfortunately, this isn’t unusual after major hurricanes. With a large number of claims pouring in, some insurance companies prioritize their bottom line over your recovery.
To make matters worse, rumors circulated that FEMA lacked sufficient funds to assist those impacted by Helene. However, FEMA has debunked this misinformation here > FEMA Hurricane Helene. Still, these unfounded rumors might have discouraged some homeowners from seeking proper support.
What You Need to Know About Underpaid Claims
If your insurance company has underpaid your claim, it’s important to know your rights. Many homeowners aren’t fully aware of what their policy covers—or worse, they’re misinformed by their adjusters. Here’s a quick breakdown:
Coverage Limits and Exclusions:
Policies may include limitations on certain damages, like flood or windstorm damage. However, that doesn’t mean you have to accept a lowball offer. An experienced public adjuster can help you interpret your policy and push back on unfair exclusions.
Dwelling and Structure Coverage:
This covers damage to your home’s structure, such as roofs, walls, and foundations. Insurance companies sometimes downplay the cost of repairs, leaving homeowners scrambling to cover the difference.
Additional Living Expenses (ALE):
If your home is uninhabitable, ALE should cover temporary housing costs. Don’t let insurers shortchange you here—it’s a key part of your recovery.
Why You Need a Public Adjuster for a Claim
When dealing with an underpaid homeowners insurance claim or commercial claim, trying to go it alone can feel overwhelming. That’s where a public adjuster steps in. Unlike insurance company adjusters (who work for the insurer), public adjusters work for YOU.
Here’s how they can help:
Reviewing Your Policy: They’ll ensure you understand your coverage, including hidden clauses that could work in your favor.
Documenting Damage: A public adjuster conducts a thorough evaluation of your property to ensure all damages are accounted for.
Negotiating Settlements: They’ll fight to get you the compensation you deserve—not just what the insurance company feels like paying.
Saving You Time: No more chasing down adjusters or deciphering confusing paperwork.
At Base Claims, we specialize in expediting claims and getting ahold of your insurance adjuster in a timely manner. We also offer free consultations and damage evaluations, INCLUDING VIRTUAL EVALUATIONS, so you can start the process with zero risk.
Steps to Take If You’re Stuck With an Underpaid Claim
Feeling stuck? Here’s how you can take action today:
1. Review Your Settlement Offer
Don’t accept the first offer without question. Compare it against your policy and the actual cost of repairs.
2. Gather Documentation
Take photos and videos of all damage, save repair estimates, and keep copies of all correspondence with your insurer. The more evidence you have, the stronger your case will be.
3. Hire a Public Adjuster
A knowledgeable public adjuster can make all the difference in getting a fair settlement. With their expertise, you won’t have to face the insurance company alone.
4. File a Formal Complaint
If negotiations fail, you can file a complaint with your state’s insurance department. This can put additional pressure on your insurer to resolve your claim fairly.
5. Consider Legal Action
As a last resort, you may need to take legal action. Consult with an attorney experienced in insurance disputes to explore your options.
Why You Shouldn’t Settle for Less
Let’s be real—rebuilding after a hurricane is tough enough without the added stress of underpaid claims. You’ve been paying your premiums on time, and now it’s your insurer’s turn to deliver. Don’t let them off the hook!
A fair settlement isn’t just about money; it’s about your family’s safety, comfort, and future. With the right help, you can ensure your insurance company fulfills its obligations.
Frequently Asked Questions (FAQs)
1. Can I reopen a claim after accepting an initial payout?
Yes! You can reopen your claim if new damages are discovered or if you believe the initial payout was insufficient. SO, DO NOT TAKE "THIS CLAIM WAS ALREADY SETTLED AND CLOSED" AS A FINAL SAY.
2. How much does a public adjuster charge?
Most public adjusters work on a contingency fee basis, meaning they only get paid if you receive a settlement. For state of emergency claims like hurricanes, the fee is 10%.
3. What if my claim was denied?
A public adjuster can review the denial and help you appeal the decision. Don’t assume the insurer’s word is final!
4. What areas were hardest hit by Hurricanes Milton and Helene?
The Gulf Coast, particularly around Sarasota, Tampa, Englewood, West Palm Beach, Punta Gorda, Port Charlotte, Perry, and Cape Coral, Florida, experienced significant damage, to name a few.
Final Thoughts
Dealing with an underpaid insurance claim after Hurricanes Milton or Helene can feel like an uphill battle—but you don’t have to face it alone. By understanding your rights, documenting your damages, and enlisting the help of a public adjuster, you can take control of the situation and get the compensation you deserve.
Don’t let your insurance company shortchange you. Contact Base Claims today for a free consultation and virtual damage evaluation. We’re here to help you navigate the process and fight back the right way.
Remember, when it comes to hurricane claims, the right public adjuster with a 5-star rating on Google and an A+ BBB rating like Base Claims can make all the difference!
Let's connect and see how we can help you navigate your claims effectively. Contact us today for a consultation regarding your New, Denied, or Underpaid Claim and maximize your compensation.
Benjamin Licht 954-589-8710
Office 954-466-5730
Don’t wait until it’s too late.
Comments