3 Easy Steps You Might Not Have Thought of When Preparing for a Hurricane

Many Palm Beach County residents are under the impression that preparing for a hurricane requires a trip to Publix or Walmart to grab things like water, batteries, flashlights and canned goods.
Hurricane Supplies
While all of these things are important and vital to getting you and your family safely through a hurricane, there are other necessary steps that you should consider taking. These extra steps can save you thousands of dollars and several headaches down the line.

In this post, we’ll show you 3 Easy Steps You Might Not Have Thought of When Preparing for a Hurricane.

  1. Take as Many Pictures of Your Property as Possible.
  2. We’ve seen time and time again that property owners are quick to take pictures of any damages that occur once a storm has struck, but it’s much smarter to take pictures of the current state of your property well before the storm is near.

    This makes it somewhat easier to show your insurance provider the prior condition of the property and how damages should be properly restored. These pictures should also be taken every couple of months and especially when changes have been made to your property such as repairs or upgrades of any kind.

  3. Asses Your Property’s Risks.
  4. Before a storm strikes, we suggest doing a complete walk-around of your property to assess the current conditions and potential risks. Are you located in a flood zone? Do you have trees located close to your house that could potentially fall onto your structure and cause damage?

    Take a look around your property and consider questions like these. The more you can stay one step ahead of any potential damages, the better.
    Prepare for Hurricane

  5. Prepare Your Property For Impact
  6. Hurricanes can start out as low intensity, low-risk situations and can shift and turn into terrible Category Three or Four hurricanes very quickly. Your local news may have you believing that the storm is manageable and not a threat and so you prepare accordingly.

As seen from previous hurricanes, if the storm escalates, you might not have enough time to prepare for larger, more forceful winds. These type of cases happen all the time and the results can be devastating.

The lesson here is to prepare for at least one hurricane category above what is predicted. Therefore, if you hear the storm is expected to be a Category Two hurricane when it hits landfall, you should prepare for at least a Category Three storm. That way you’ll be protected whether it remains a two or escalates to something worse.

Call a Licensed Public Insurance Adjuster First

If a storm strikes, your first inclination may be to call your insurance provider to report the claim. While this makes sense, you should call an experienced public insurance adjuster first. As advocates for policy holders, public insurance adjusters work hard to ensure policyholders receive a fair settlement, one that will properly restore any damages.

The team at Lightman and Fields has been handling property damage claims for over 25 years now. We have experience dealing with hurricane damage claims and have a track record of exceptional results. For more information, or help with a property damage claim, please call 561-627-3089 or schedule your free consultation online.

Roof Claim Resolved in Fort Lauderdale, Florida

Filing an insurance claim for roof damage can conjure up several issues and hardships, especially when insurance companies don’t want to pay for costly repairs. Homeowners frequently have to fight for their rights, despite the fact that they have been paying their premiums on time and have sufficient coverage to get the necessary repairs completed.

Roof Damage Claim in Fort Lauderdale

Most recently, during a storm in Fort Lauderdale, Florida, a huge oak tree was struck by lightning and fell onto a house. The roof caved in, resulting in extensive water damage from the rain.

The insurance company stated that the homeowner failed to adequately protect his property so a portion of the claim was denied. However, according to current building codes, the entire roof should have been replaced to stay in compliance, not just the specific portion that the insurance company was willing to pay for.

Lightman and Fields Works for Policy Holders, Not Insurance Providers

In the state of Florida, certain structural codes must be adhered to, and having a team on your side that knows and understands those ordinances will help get you the money you deserve. Lightman and Fields takes the time to work on behalf of the policy holders, intervening in situations where insurance companies are negligent. Instead of handling the situation after the claims process was started, Lightman and Fields was able to deal with the situation from the very beginning.

Results:

Once the public insurance adjuster from Lightman and Fields got involved, the entire roof was replaced and the damages sustained inside of the home were also covered.Roof Damage Claim Results

As a policy holder, it’s always in your best interest to call a public insurance adjuster prior to filing a claim with your insurance provider. With a reputation for getting fair compensation from insurance companies, Lightman and Fields works on your behalf to ensure that damages are repaired correctly.

Providing advice and assistance on insurance related issues, Lightman & Fields has been serving residents of Florida since 1986. We know and understand the law and work tirelessly to get you what you deserve.

Brush Fires in Stuart Result in Property Damage

Martin_County_wildfire_WPTV

Photo from WPTV.com

Did you know that Florida has the second highest number of wildfires in the United States? With huge amounts of undeveloped land as well as dry temperatures, Florida is unfortunately the perfect breeding ground for wild fires.

 When these brush fires start, they become very difficult to contain and can end up spreading pretty quickly. Just in the past week, two brush fires have hit Stuart, FL.

Brush Fire in Stuart,FL

The first fire started on March 12, 2014 and spanned a 115-acre area. What started out as a controlled fire by a professional clearing company eventually spread to an uncontrolled fire that led to road closures on both Florida’s Turnpike and Interstate 95.

Just three days after the first fire, another brush fire hit Martin County on March 16, 2014 and affected another 30 acres of land. Unfortunately, this second fire forced a handful of families to evacuate their homes due to flying embers.

Lightman & Fields helps families in Stuart with fire damage claims

If you or someone you know has been directly affected by these or any other damages from fires we can help. For over 25 years, Lightman & Fields has been helping residents in the state of Florida.

Fire Damage Claim In Stuart,FL

Comprised of Public Insurance Adjusters, Lightman & Fields fights for policy holders, not insurance companies. We personally inspect damages and ensure that settlements are fair and correctly repair and restore damages.

What does a Public Insurance Adjuster do?

An easier way to understand what a Public Insurance Adjuster does is to think of us like a claims advocate. Initially, we review your insurance policy and provide expert advice on what your legal rights are.

Next, we personally inspect damages and provide your insurance provider with a complete and detailed claim. This claim includes repair estimates and provides the physical appraisal of all damaged property.

If needed, our experts will also fight to support and negotiate the claim should any issues arise.

During this process, we keep you in the loop and informed of any settlement updates thus relieving you of any stress and hardship.

Water Damage Claim Resolved in Tequesta Florida

We hear all of the problems regarding insurance companies not paying their claims in cases involving water damage claims or other structural damage, or not paying enough to help people cover the cost of their loss. In addition, sometimes the adjusters involved with the insurance agency will try to “short cut” the work and use cheaper materials for the repairs needed to return the property back to normal.

Water Damaged Claim ResolvedWhen the woman received extensive water damage under the foundation of her townhouse, she asked the insurance company to come out and do an estimate for the damage done to her floor in order for them to look at the foundation under the townhouse. The adjuster with the insurance company stated that he could match and replace the 4-6 tiles that were most effected and just work on those. Unfortunately, this was not enough to repair the extensive damage done by the water damage, the tiles they used were not even close to the originals. Lightman & Fields would not accept this.

Lightman & Fields, public insurance adjusters, work with people to get them what they deserve from their insurance claim – which typically means more for the damages. The Lightman & Fields team went out to the ladies’ house in Tequesta and they stated, after looking at the situation that what the insurance company was proposing to do was not acceptable. The woman had originally been awarded about two thousand dollars for the original settlement. Lightman & Fields challenged the insurance agency on the woman’s behalf and the won settlement getting her an additional forty five hundred dollars based on their investigation which included they replace all the tile, not Restore Damagesjust damaged pieces.

Great insurance claims adjusters work for the people to get them what they need to repair the damage correctly and restore it to its original state. A settlement from an insurance claim should be enough to fix the damage, not just put a band-aid on it.

When you are looking for the best insurance claims adjuster in Florida, try Lightman & Fields first. We have a history of getting policy holders fair compensation for property damage by having their inspectors work with the insurance agency on the policy holder behalf, and we will challenge the insurance company’s findings, if need be, to get the right amount for the policy holder so that they can repair the damage and get on with their lives.

Lightman & Fields has been serving Floridians since 1986 by providing expert advice and claims adjustment services for victims of property damage problems. We know the law and are highly knowledgeable of the insurance industry and what we can get for you. We represent you-the policy holder-and our goal is to get you the money you deserve to take care of your property damage as quickly and efficiently as possible!

For more information on water damage claims, please visit our Water Damage page.

Newsworthy Notes 2011

Should I hire a public insurance ajuster to help me with my property loss claim?”

“Can hiring a public insurance adjuster really improve my settlement outcome?”

In a word, “YES!” We hear these questions daily and, in addition to satisfied clients, we have statistical data to prove that hiring a Public Insurance Adjuster is clearly in the policy holder’s interest.

Oppaga HeaderIn January 2010, the state of Florida released an audit that compared the Citizen’s Insurance claims settlements of policy holders who used a Public Adjuster to those who chose to file on their own.  The statistics were staggering. The following is an exerpt from that report:

“Policyholders with public adjuster representation typically received higher settlements than those without public adjusters. Policyholders that filed catastrophe claims in 2008 and 2009 generally received larger insurance settlements than policyholders that did not hire these persons. The typical payment to a policyholder represented by a public adjuster was $22,266 for claims filed in 2008 and 2009 related to the 2004 hurricanes (see Exhibit 6). In contrast, policyholders who did not use a public adjuster received typical payments of $18,659. The difference in payments was larger for claims related to 2005 hurricanes, with public adjuster claims resulting in payments that were 747% higher.”

Insurance Adjuster News