Public Adjusters in Cape Coral, FL

Handling claims and negotiating with your insurance company after a personal or professional disaster is the last thing you want to do. We know from experience that most people want to move on with their lives after a crisis, not get bogged down in paperwork. It’s also a pain to be put in the position where you have to advocate for yourself, especially when you don’t understand the arcane systems within insurance companies.

That’s where ICA Public Adjusters can help! We are licensed public adjusters in Cape Coral, FL, here to assist you with your claims. We guarantee we will get what you are entitled to based on your policy if you work with us. Don’t cope with devastating property damage on your own. Find support in the local public adjusters at ICA who have been part of the Southwest Florida community for 20 years.

Do I Need A Public Adjuster?

A Cape Coral public adjuster can be a great aid when submitting an insurance claim for property damage. There are a few questions you should ask yourself, however, before deciding whether or not to hire a public adjuster.

Is the damage covered by your policy?

If the reason for which you are submitting a claim is not covered, then we will be unable to represent you. For example, if you are a business owner, but you do not have business interruption coverage, we will not be able to pursue a business interruption claim for you.

If you are not sure what is covered by your policy, we are happy to perform a policy review for you, free of charge. Our team of experts will help you understand what you can expect to receive based on your policy.

Is the damage significant enough to justify a public adjuster?

Technically, public adjusters in Cape Coral can represent any property damage claim covered by your policy. However, it may not be advantageous to you to hire a public adjuster for a small claim. While we do not ask for payment upfront, we do take a negotiated percentage of the payout from the insurance company. When seeking small payouts, the benefit of using a public adjuster will not be as great as when there is major damage to your property and we can advocate for a significant increase in payment.

What Public Adjusters Can Do For You In Cape Coral

Cape Coral is a beautiful place to live, surrounded by the Caloosahatchee River to the east and south and by the Matlacha Pass to the west. Our city is defined by the canals that run through it as well, mostly manmade waterways that give many of the local residents an opportunity to experience waterfront living. However, this way of life is not without its risks and challenges. There is a great potential of flooding and the threat of hurricanes is always present during the summer and fall months. While we’ve been relatively lucky to avoid the worst damage from hurricanes in recent decades, there has still been substantial flooding and visible destruction.

In Cape Coral, public adjusters have the ability to represent your interests. At ICA, we have 20 years of experience working with claims related to hurricanes, storms, roof damage, and mold damage. These are the types of claims most frequently encountered in our local area in Lee County – we’re focused on what matters here in Florida, not halfway across the country.

Types Of Insurance Claims

Want a rundown of the types of claims we cover? You’re in luck! We cover most commercial and residential property damage claims. Below are some of the most common types of damage we work with, but you may contact us for a full rundown of our services as public adjusters in Cape Coral, FL.

Hurricane Damage

While Cape Coral has not been impacted by hurricanes in the same way as Fort Meyers Beach, for example, we are still in an evacuation zone any time a Category 4 rolls through. And as the largest city in southwest Florida, we do not pass by unscathed. If your home has been impacted by a hurricane – perhaps you’re still dealing with the impacts of Hurricane Ian from 2022 – ICA Public Adjusters will make sure you get the money you are entitled to. Remember that we can jump into the claims process at any point, so even if you’ve already been working with your insurance company, if you are unhappy with the initial response you’ve received, we can jump in to negotiate a better payout.

Storm Damage

Tornadoes are also a risk in Cape Coral, and homes do experience damage from high winds, rain, thunderstorms, and hail throughout the year here. We talk so much about hurricanes that it’s easy to forget that other storms can actually cause more frequent damage! While the destruction from hurricanes tends to be severe, other forms of storm damage are no joke either.

Keep in mind that we live in a borderline tropical monsoon climate with heavy rains throughout the summer. Even if you stay vigilant and up-to-date with maintenance in your home and yard, storms can be devastating. You do not deserve to have to pay for property repairs or replacements if your policy covers them.

Roof Leak Damage

Nobody wants to have to deal with a leaky roof in the aftermath of a storm, but sometimes it happens, especially with less durable roofs, like those made with asphalt shingles. We will make sure you have the funds to repair or replace your roof by negotiating on your behalf with your insurance company.

Many homeowners in Southwest Florida opt for metal roofs to avoid damage and frequent replacements. It’s worth keeping in mind future durability when replacing your roof post-storm or hurricane damage.

Kitchen Leak Damage

Kitchen leaks are a pain, especially if your flooring materials are not very water resistant. Water gets everywhere and has the potential to destroy appliances if left unchecked. This can lead to very expensive repairs and major appliance replacements. If the floor is too badly wrecked, it may need to be replaced as well.

Pipe Leak Damage

The pipes in your home can leak due to a number of reasons. If your HVAC system does not work as expected, pipes can even burst or leak as a result of heat. Metal pipes expand, which can compromise joints and weaken the pipes, especially if they are old or have evidence of corrosion or rust. Repiping, repairing flooring, getting rid of mold, and fixing water damage are all services you may require after a pipe leak.

Mold Damage

Mold has major health impacts, especially if you are allergic to the particular strain of mold present in your home. Cape Coral homes are particularly susceptible to mold, considering the ever-present humidity during the summer months and the flood risk from nearby waterways.

Mold also causes major property damage. It grows by feeding on materials used to build your home, like wood, wallpaper, drywall, paint, and more. Over time, if left untreated, mold will weaken structures throughout your home. Your roof is especially at risk, as it is not always possible to know if mold is growing there unless you have it inspected regularly.

Fire Damage

Don’t face your insurance company by yourself after a devastating crisis like a fire. While company claims adjusters will likely be sympathetic to your problems, they have been hired to protect the insurance company’s bottom line. We’re here for your bottom line, as well as your well-being. A house fire can impact anything from part of a room to your whole house. As public adjusters in Cape Coral, we understand how to work with smaller claims. We’re also especially good at maximizing payouts for severe fire damage, including whole-house replacements due to fire.

Business Interruption

Cape Coral public adjusters like ICA can also help commercial clients maintain their businesses during times of trouble. If you have a business interruption policy, we’ll assist you with the claim, recouping revenue and costs that would otherwise be lost if you are unable to operate due to property damage.

Vandalism & Theft

We recognize that property damage is not always a result of natural causes. Sometimes humans are the worst perpetrators. The crime rate in Cape Coral is extremely close to the national average, and the most common type of crime here by far is property crime, like theft and vandalism.

Of course, Downtown Cape Coral and other nearby neighborhoods like Market Square District have more potential for crime than areas on the outskirts of town, like Matlacha Shores. No matter where you are, if you experience theft or vandalism, give ICA Public Adjusters a call, and we will advocate for a greater payout to cover your lost or damaged property.

1 INSPECTION

One of our Public Adjuster will inspect your property. He will look for any damage, which could be covered by your insurance policy.

3 OFFER

When your estimate is ready, we will send the documents to your insurance company to request the money for your repairs.

5 PAYOUT

When the deal is finalized, your insurance company will send us your check. We will give it to you, and you can start your renovation right away.

2 ESTIMATE

After our inspection is done, we will calculate and put together the best estimate for you, to get the most out of your claim.

4 NEGOTIATION

Your insurance company will contact us and we will start the negotiation. They always want to give less, but we are here for you to get the most our of your claim.

1 INSPECTION

One of our Public Adjuster will inspect your property. He will look for any damage, which could be covered by your insurance policy.

2 ESTIMATE

After our inspection is done, we will calculate and put together the best estimate for you, to get the most out of your claim.

3 OFFER

When your estimate is ready, we will send the documents to your insurance company to request the money for your repairs.

4 NEGOTIATION

Your insurance company will contact us and we will start the negotiation. They always want to give less, but we are here for you to get the most our of your claim.

5 PAYOUT

When the deal is finalized, your insurance company will send us your check. We will give it to you, and you can start your renovation right away.

THE MORE INFORMATION YOU HAVE, THE BETTER IT IS FOR THE CASE

To Get You Started On The Claim Process, Be Prepared To Provide The Following

Policyholder Information

Name of insured, address, phone number, e-mail, and policy number

Description Of Loss

Everything you can recall can help us: time and date of the loss, location of the incident, a detailed description of damages

Authority Notification

Note all authorities notified (e.g. fire department, police, etc.)

Emergency Service Companies

In case, you already contacted any emergency service companies or performed any sort of damage mitigation, please let us know

FREQUENTLY ASKED QUESTIONS

What is the roof leak claim?

A roof leak claim Is the process of seeking insurance coverage for damages caused by a leak in the roof of a property. It involves filing a claim with the insurance company to receive financial assistance for roof repairs and restoration due to the water damage caused by the leak.

How does the claims process work with ICA ?

When you engage ICA for your roof leak claim, we will work closely with you to gather all necessary documentation, assess the damages, and negotiate with the insurance company on your behalf. We handle the paperwork, communicate with the adjusters, and advocate for your best interests to achieve a fair and satisfactory settlement for your claim.

What steps should I take if I discover a roof leak in my property?

If you discover a roof leak, it’s important to take immediate action to minimize further damage. Start by safely collecting evidence, such as photographs or videos of the leak and resulting damage. Then, contact a professional roofer to assess and repair the leak, and inform your insurance company about the situation.

How long does the roof leak claim process usually take?

The duration of the roof leak claim process can vary depending on factors such as the complexity of the claim, the extent of the damage, and the efficiency of communication between you and ICA.