Document the damage with photos and videos from different points of view and, if possible, vantage points.

1. If you have roof damage, secure a tarp over the affected area to minimize additional water damage, which the insurance company will fight to pay
2. Document your efforts to secure the affected areas of your property

1. Windstorm deductibles are typically more than your regular homeowners deductible, so confirm your policy deductible with your agent
2. Confirm the timeframe your policy requires for a claim to be filed

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1. Keep all records related to your claim
2. It is important and suggested that Xpert Public Adjusters file the claim on behalf of the policyholder because sometimes the insurer may record the statement, and you could say something that can hurt you or negatively affect your claim later down the road

1. Schedule an on-site inspection with Xpert Public Adjusters to properly document and collect all information to handle your claim professionally and as smoothly as possible
2. Xpert Public Adjusters has extensive experience (over 23 years) and is currently licensed in Florida as a:
   1. General Contractor
   2. Roofing Contractor
   3. Mold Remediator
   4. Mold Assessor

1. Detailed photographs of the damage to your property or business will be taken to document your insurance claim
2. Xpert Public Adjusters will measure all rooms affected
3. An estimate of loss will be prepared for you and the insurance carrier, supported by our extensive evidence gathering, documentation, and years of being a subject matter expert on catastrophic events

1. Because Xpert Public Adjusters fight on your side, we will never settle or accept an offer without the policyholder’s written approval
2. For example: If we wrote an estimate for $100,000 and the insurance company starts at $20,000, every offer will be brought to you until they submit their last offer.
3. If you say you accept, send us an email saying “Yes, I accept the offer of  $XXX,XXX” so it is preserved in writing. You (the policy homeowner or business owner) will always be the final decision-maker on all offers.

1. If you do not approve a settlement offer presented by your insurance company, Xpert Public Adjusters will begin direct negotiations, and reinspections will be scheduled
2. Xpert Public Adjusters has a background of witness testimony and experience on behalf of policyholders as a Subject Matter Expert

1. Timeline for settling a claim will be based on the facts surrounding the case and determines how quickly the claim will settle
2. Claims may take months to settle if they are complex, the cause of loss is unknown, and/or if engineers need to get involved.
3. Statutes and the Homeowner Bill of Rights hold the insurance company to at least provide answers with specific timelines, and those latest dates are supposed to be 90 days
4. The timeline we can quote with certainty is that Xpert Public Adjusters will not get paid until you do!