Public Adjusters in Punta Gorda, FL

Insurance companies can be difficult to manage, focused on their own bottom line, and frustratingly bureaucratic. At ICA Public Adjusters, we navigate the claims process, so you don’t have to. We advocate for all of our clients, residential and commercial, to get the money they deserve after disastrous events. In Punta Gorda, public adjusters are critical in the aftermath of hurricanes, leaking roofs, house fires, theft, and more.

After 20 years in business, the team at ICA Public Adjusters knows how to tailor our negotiations to the needs of each client. We regularly tackle vastly different insurance claims, from business interruption to residential mold damage. If you’re looking for supportive, knowledgeable service, ICA is your go-to for all things related to your insurance claims. We work for you, not for the insurance company.

What To Do After A Hurricane

A hurricane can devastate a whole region. In Punta Gorda, we felt the impact when Hurricane Ian made landfall here in September 2022. Hurricane Idalia also caused major flooding, bridge closures, and property damage. With incredible wind speeds and incessant rain, hurricanes can fell trees, rip roofs off houses, and cause lasting damage to properties throughout Florida. It can be hard to know where to go when the extent of the damage is so pervasive, but at ICA Public Adjusters, we do our best to make your life easier post-hurricane.

Ensure You And Your Family Are Safe

First and foremost, after a hurricane, find a safe place to stay with your family. You may be able to go back to your home if the damage is not too bad, but if not, finding shelter is critical, so you can take the next step to getting your life back.

Contact A Public Adjuster About Your Claim

It’s possible to involve a Punta Gorda public adjuster at any point in the process, but it will be easier on you if you contact us right away. We can document the damage for you, and we know how to best communicate this information with insurance companies to get you the maximum payout.

Some reasons to contact us partway through the process may be if your claim turns out to be far more complicated than expected or if you find your insurance company is not taking your claim seriously.

ICA Public Adjusters Take On Your Claim

If you decide to work with us, we will submit your claim on your behalf with the insurance company, then work with them to negotiate a settlement. The paperwork and bureaucracy happens in the background while you focus on repairs.

Repair Your Property

An insurance company may provide referrals or recommendations for repair companies. You may also have your own preferred contractor. Most commonly hurricanes cause water damage and roof damage, so you may need specialized roofers or other experts to perform services. These repairs (or even more significant renovations or replacements) should be covered by your insurance plan, and we will do our best to get you what you need to adjust to life post-hurricane.

Return To Life-As-Usual

When you work with a public adjuster in Punta Gorda, returning to your standard routine is possible sooner rather than later. We do our best to ensure you do not get bogged down in back-and-forth negotiations with the insurance company, unless absolutely necessary.

Claims We Represent

While hurricane damage is one of the most common claims we work with, our expertise ranges. We cover almost any type of property damage, excluding vehicles. Look for the type of damage you’re experiencing below, and feel free to call us if you have any questions.

Roof Leak Damage

Whether your roof is leaking as a result of a hurricane or something else entirely, count on public adjusters in Punta Gorda to help you get the funds for repairs. A roof leak may be identifiable from the following signs:

Water damage inside near the ceiling or outside along the roof
Broken, curling, blistered, or missing shingles
Rusted or loose flashing
Visible mold growth or a moldy odor
Sinking or sagging roof
Visible light through holes in the attic ceiling

Mold Damage

Mold enters your home through the vents, air conditioning, open doorways, and windows. It grows most commonly where there has been a leak or moisture has accumulated. In fact, mold may be one of the signs you first notice that you have a leak or a problem with water damage.

Large mold infestations typically have a distinctive odor, although this varies depending on the type of mold. Some people have adverse health reactions to mold, so if you notice a stuffy nose or red or itchy eyes in a humid environment, you may want to keep an eye out.

Once you do identify mold damage in your home or throughout your commercial property, ICA Public Adjusters is here to help you navigate the claims process with your insurance company.

Fire Damage

Fires do occur in our region of Florida. They may be caused by human error, or they may be a result of natural causes, like lightening strikes. We’re also at some risk for wildfires, although this is not the most likely natural disaster – the prize for that title goes to hurricanes.

Even small fires can cause smoke damage, destroy appliances, and incinerate flammable materials in your home. After a fire, do not hesitate to contact ICA Public Adjusters in Punta Gorda, FL. We will make the aftermath of a fire easier to deal with, so you can focus on replacing lost possessions and repairing any lasting damage.

Pipe Leak Damage

Have you experienced a burst pipe? Slab leaks can also be devastating, as they’re difficult to identify at first. They are leaks in the pipes that run underneath the foundation of your home or commercial building, so they have the potential to permanently weaken the concrete foundation. Slab leaks may also cause major damage to the floor in your home, warping hardwood floors and increasing the likelihood of mold and mildew growth, especially in and under carpet.

Kitchen Leak Damage

No kitchen is immune to leaks, especially if your plumbing is old or improperly installed. If you are insured, you can get the money you need to repair floors, walls, appliances, and any other damaged parts of your kitchen with assistance from ICA Public Adjusters.

Vandalism & Theft

Did you know that theft is one of the most common crimes in Punta Gorda? Theft and vandalism can feel personal and be difficult to recover from, especially if the items stolen had sentimental value. Both of these crimes are a violation of personal and professional space, which can take a toll. We understand this here at ICA, and we do our best to support you during a difficult time. Leave the hassle with insurance up to us, and we’ll get you a better financial outcome than you can expect to get on your own.

Business Interruption

No business owner wants to have to shut down due to property damage. But sometimes it is necessary to move locations or pause business. This can be an incredible loss if you do not have business interruption coverage. However, if you do, public adjusters in Punta Gorda can take on your claim and get back the money you need to maintain your business.

Storm Damage

While Punta Gorda is most at risk of hurricane damage, other types of storms, in particular thunderstorms, are common as well. Over the summer, we get frequent rain and thunderstorms. While these are typically lower severity than hurricanes, they can still cause problems for you, especially if your home is older.

Many homes covered by our public adjusters in Punta Gorda were built in the ‘70s, ‘80s, or the ‘90s. If elements of your home have not been replaced in the recent past, like the roof, leaks can occur when a storm blows through. Trees are also susceptible to storms. If you do not have a tree service regularly inspect the trees on your property (or even if you do), they may fall in high winds. Even fallen branches can cause holes in the roof or other forms of property damage.

Why Choose ICA Public Adjusters In Punta Gorda

At ICA, we represent your interests. Keep in mind that our motivations naturally align with yours, as we work on a contingency basis. This means that we only get paid when you do – you will never pay us out of your own pocket. We try to get the largest possible payout because this benefits us as well!

We also care about your well-being. After 20 years in the industry, we enjoy making our clients’ lives easier, enabling major improvements to their living and working conditions, often after periods of difficulty. It’s a rewarding job, and one that we like to think we do well.

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.