The 2020 hurricane season isn’t over, but it’s already considered a record-breaking hurricane season. Early estimates have damages so far exceeding $30 billion. The season has tied a record for having three named storms form in 24 hours. Nine named storms made landfall as of this writing in early October, the earliest this has happened in a season. And we’re on track for 2020′s total number of named storms to set a record.

In August, NOAA forecasters were forced to update their previous estimate of 15-18 named storms to 19 to 25 named storms. This is the only the second time that storm names have run through the traditional alphabetic names and begun to use Greek letters like Alpha, Beta and Gamma.

Under Florida law, home and business owners can adjust their hurricane property damage claims for three years after a hurricane. The Florida law on filing a hurricane damage claim states:

A claim, supplemental claim, or reopened claim under an insurance policy that provides property insurance, as defined in s.624.604, for loss or damage caused by the peril of windstorm or hurricane is barred unless notice of the claim, supplemental claim, or reopened claim was given to the insurer in accordance with the terms of the policy within 3 years after the hurricane first made landfall or the windstorm caused the covered damage. For purposes of this section, the term “supplemental claim” or “reopened claim” means any additional claim for recovery from the insurer for losses from the same hurricane or windstorm which the insurer has previously adjusted pursuant to the initial claim. This section does not affect any applicable limitation on civil actions provided in s. 95.11 for claims, supplemental claims, or reopened claims timely filed under this section.

Already Filed a Hurricane Damage Claim?

Even if your claim was paid, denied or you were “lowballed” by your insurance company, Sentry Public Adjusting can help! We’re able to reopen and resubmit claims to help property owners get the maximum settlement allowed by their policies.

Are You Dealing With a Denied Hurricane Damage Claim From Hurricane Michael?

Michael made landfall in early October 2018 and caused catastrophic damage across the state. Many homeowners in the Florida Panhandle submitted claims and may have had either their entire claim or portions of their claims rejected. Under Florida law, it’s still possible to refile or reopen your claim. Sentry Public Adjusting can help in the event that your Hurricane Michael claim was denied. Our licensed Florida public adjusters are experts at dealing with denied property damage claims.

Our team of public adjusters and claim specialists will review your insurance policy and coverage in order to provide you a broad scope of your insurance company’s responsibilities. Our experienced public adjusters can minimize your stress by assisting you with the insurance claim process, including:

  • Documenting and collecting evidence of the property damage for your hurricane damage claim.
  • Reopening a previously filed or settled hurricane damage claim and ensuring a fair settlement.
  • Negotiating with your insurance company to help you settle your hurricane damage claim for a settlement that will cover your repairs.

Didn’t File a Hurricane Damage Claim Because Your Damage Was Too Small?

Let Sentry examine your home for free to make sure there’s no damage from a hurricane that perhaps you didn’t notice! It’s common for owners or even other professional inspectors and adjusters to miss hidden damage that could be getting worse with every wind event and hailstorm. Our licensed Florida public adjusters have the experience and the tools to make sure your roof and other vulnerable areas are free from damage and likely to withstand the next hurricane.

Hurricane Affected Your Area but Not Your Home?

Here’s the thing: how do you really know? Just because your roof wasn’t torn off doesn’t mean it wasn’t damaged. And that minor, hidden hurricane damage may have been deteriorating, leading to leaks and mold issues. Do you want to take that chance? Sentry can evaluate your home or commercial property for any damage and give you a full report (and peace of mind) at no charge!

If a Storm Damages Your Property, Call Sentry First–Before Your Insurance Company!

If your home or business sustains damage from a hurricane, tropical storm or thunderstorm with heavy winds, make Sentry Public Adjusting your first call. The initial contact with your insurance company is crucial to whether your claim is paid or denied. Our licensed Florida public adjusters know how to effectively approach and deal with insurance companies to maximize your claim settlement.

At Sentry Public Adjusting, we offer a free consultation to answer all your insurance-related questions regarding your hurricane damage claim. Insurance companies have a team of professional insurance adjusters representing their interest in the claims process. You deserve the same representation. Make sure you have Sentry standing by your side and maximize your hurricane damage claim. Contact us today for a free, no-obligation inspection and analysis of your hurricane damage claim.