Public Adjusters in Port Charlotte, FL

When your property is damaged, the last thing you want to have to worry about is whether or not you’re getting enough money from the insurance company. In Port Charlotte, there are many types of property damage that may occur through no fault or lack of preparedness on your side. In particular, hurricane damage or roof damage from a storm is common here, as Hurricane Idalia caused major flooding in 2023 and Hurricane Ian wreaked havoc around Port Charlotte in 2022.

You don’t need to struggle on your own. The team at ICA Public Adjusters in Port Charlotte will assist you and take on the burden, so you can focus on getting your life back to normal. We work directly with the insurance company to get you more money for any claim covered by your insurance. Not sure if your policy covers the damage you’ve retained? We offer free policy reviews to ensure you understand what is covered under your insurance and what we can help you obtain.

Are Public Adjusters Legitimate?

Public adjusters – like professionals in many other fields – should be licensed and bonded to prove their legitimacy. If you engage with a public adjuster in Port Charlotte who cannot produce credentials or does not have an online history of customer reviews, you may want to consider a more established option.

If you can identify a solid track record of service, then public adjusters are the ideal support and guide through the insurance claims process. We will help you get the best possible payout for damage to your personal or commercial property.

At ICA Public Adjusters, we have 20 years of experience serving and advocating for the people of Florida. We belong to the Florida Association of Public Insurance Adjusters in addition to the National Association of Public Insurance Adjusters. Our past clients speak highly of our work and rave about the benefits of working with professional, expert insurance adjusters.

Who Does A Public Adjuster Work For?

A public adjuster is an advocate for you. You hire a Port Charlotte public adjuster to assist you with the insurance claim process. We are not the adjuster employed by the insurance company or an independent adjuster (who are usually contractors hired by the insurance company). Those claims adjusters aim to benefit the insurance company, not you, and will often lowball their initial offer. Our goal is to get you a higher payout, so any property repairs or replacements are properly covered.

Who Pays A Public Adjuster?

We have a contingency fee policy. This means we only get paid if you obtain a payout. We will engage in an agreement at the beginning of your service that determines which percentage of your payout we will receive if we should succeed. Typically, we are able to maximize your claim and get you more money than you would have on your own, so this is still a massive benefit to you with minimal risk. You will never pay ICA Public Adjusters out of your own pocket.

Residential Services

There is always a chance of damage to your residential property, and when it happens, often panic is the first response. Insurance companies care most about their bottom line, not your emotional attachment to personal belongings or the difficulty of losing your home to hurricane damage. We do our best to make the insurance claim process smooth for you and acquire enough funds to return you to a normal routine.

Hurricane Damage

Hurricane Idalia and Hurricane Ian aren’t the only major storms that have hit Port Charlotte. There’s also a history of hurricanes here, with Hurricane Charley in 2004, which originally made landfall in our town. Tropical storms aren’t strangers either. Hurricanes cause damage left and right, from downed trees and electrical lines to flooding to broken windows and caved-in roofs.

Our Port Charlotte public adjusters are especially well positioned to help with major damage like this. We’ve worked for 20 years in Florida, frequently representing clients with major property losses or damage due to hurricanes. Hurricane-related claims can become complicated and stuck in busy insurance company systems, unless you work with an expert who knows how to get them to the top of the queue.

Roof Leak Damage

A roof leak can cause a host of problems, including mold growth, weakened roof structure, water damage, and more. Roof leaks can be a direct result of storm damage, but sometimes, your roof may have difficult-to-indentify weaknesses that are revealed during our wet summers. Port Charlotte homes frequently use asphalt shingles, tiles, or metal as roofing materials, which all vary in durability and longevity.

No matter the type of roof, contact ICA Public Adjusters in Port Charlotte when you need assistance with your roof damage insurance claims. We do the hard work of negotiating with the insurance company, so you don’t have to.

Mold Damage

Mold can appear after a number of occurrences:

Mold needs a certain amount of moisture to thrive, and in Port Charlotte, it doesn’t need to look far. Our climate here is a warm humid subtropical one and is close to a standard tropical wet/dry climate. This means we do have a wet season and a dry season, so it is important to be vigilant about identifying mold during and after the summer, when moisture will accumulate inside your home.

Keep in mind too that updated HVAC and air quality systems will help ensure your home stays mold-free. Air conditioning dehumidifies, and air quality systems can filter out spores and other harmful pollutants from the air in your home. In the event mold does grow within your home, the team at ICA will advocate for you as excellent public adjusters in Port Charlotte, FL.

Fire Damage

With so many waterways around Port Charlotte, including the Peace River, the Myakka River, and, of course, Charlotte Harbor, fire is likely the last thing on your mind. But house fires happen, and when they do, the damage can be devastating. It’s impossible to completely replace sentimental items, but public adjusters in Port Charlotte can recoup the costs of anything lost or damaged in a house fire.

Pipe Leak Damage

While it never normally gets very cold in Port Charlotte, so your pipes are not in danger of freezing, it is still possible they may leak and burst. Once of the most common reasons for pipe leaks is outdated pipe materials. Many homes in Port Charlotte were built in the 80s, which means they are coming up on 40 years. This milestone could be the end of the lifespan for certain types of pipes, like brass, galvanized steel, and sometimes even copper. Pipe leaks can cause severe damage, leading to the need for floor repairs, foundation repairs, repainting, and personal property replacement.

Kitchen Leak Damage

A kitchen leak can be attributed to a malfunctioning sink or dishwasher. Your kitchen may be one of the most frequently used rooms in your home, especially if you cook every day, and a leak may make it impossible to use properly for months on end. You deserve a payout that covers the costs of appliance replacements and repairs, flooring repairs, and any other required services.

Vandalism & Theft

While Port Charlotte crime rates are better than Florida’s average, property crimes still impact 9 out of every thousand residents, on average. Northeast Port Charlotte and Gulf Cove tend to be safer, while Parkside, Northwest Port Charlotte, and Murdock are more susceptible to crime. No matter where you are in town, our public adjusters are here to answer your questions about vandalism and theft claims.

Storm Damage

Hurricanes aren’t the only types of storms that hit Port Charlotte. Heavy rains and thunderstorms can cause damage too, and they’re not uncommon during the summer months. Flooding is actually more likely to happen due to heavy rains than due to a hurricane (although deep flooding from a hurricane will impact more properties at once).

Tornadoes and hail can also hit Port Charlotte and impact the homes and businesses around here. These weather events occasionally coincide with thunderstorms. Do not hesitate to call ICA Public Adjusters in the aftermath of a storm! We will get on the case, no matter where you are in the claims process.

Commercial Services

Businesses across Port Charlotte trust ICA as commercial public adjusters because we follow through and deliver on our promises. We offer the same services listed above to our commercial clients. This means we advocate for our commercial clients for everything from fire damage to hurricane damage. We have expertise negotiating for commercial claims and shift our focus accordingly, to ensure your business gets the maximal payout.
Businesses across Port Charlotte trust ICA as commercial public adjusters because we follow through and deliver on our promises. We offer the same services listed above to our commercial clients. This means we advocate for our commercial clients for everything from fire damage to hurricane damage. We have expertise negotiating for commercial claims and shift our focus accordingly, to ensure your business gets the maximal payout.

We also offer unique services for our commercial clients, like business interruption claims, as described in more detail below.

Business Interruption

When your business has to shut down due to property damage, it can be devastating. You may be concerned about whether or not your business will be able to continue on. But, if you have business interruption coverage, we can assist you to ensure your employees and taxes are paid, any repairs or replacements are covered, and your business has the ability to get back on track.

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.