Hurricane Milton Public Adjusters

Attention Florida Panhandle, Southwest Florida, and Tampa and Orlando area business owners and homeowners affected by recent Hurricane Milton with wind, water, and roof damage — make us your first call us 24/7 at 813-421-1357.

Global Patriot Adjusters, a public insurance adjuster company, is helping commercial property owners and homeowners with major hurricane damage insurance claims from recent hurricanes.

Call 813-421-1357 for a free claims consult.

Please contact us immediately for a Free Claims Evaluation of hurricane, roof tile, flooding, and wind damages. Fill out the Request Free Estimate form.

"My team is ready to help you get the most money for your insurance claims. We work for you!" — Marc Lancaric

We are helping Florida home, condo, and business owners with major hurricane damage, flood damage, and wind damage insurance claims.

Call us 24/7 at 813-421-1357

Professional insurance public adjusters helping large commercial property owners, condominium associations, property managers, business owners, and homeowners in these areas:

TAMPA AREA

• Apollo Beach, FL

Apollo Beach is a scenic waterfront community located on the eastern side of Tampa Bay. It offers a relaxed lifestyle with many homes featuring canal or bay access, making it a favorite for boating and water sports enthusiasts. The Apollo Beach Nature Preserve and the nearby Manatee Viewing Center are popular attractions that celebrate the area's natural beauty.

• Bloomingdale, FL

Bloomingdale is a quiet, suburban community in Hillsborough County, known for its family-friendly atmosphere and excellent schools. With numerous parks, golf courses, and nearby shopping centers, Bloomingdale offers a comfortable blend of convenience and recreation for its residents.

• Brandon (River Hills), FL

Brandon is a thriving suburb of Tampa with a variety of neighborhoods, including the upscale River Hills community. River Hills is known for its beautiful golf course, secure gated entry, and family-oriented environment. Brandon offers a suburban lifestyle with easy access to Tampa's urban amenities.

• FishHawk Ranch (Lithia), FL

FishHawk Ranch is a master-planned community located in Lithia, known for its nature trails, top-rated schools, and abundant amenities such as community pools and parks. The community is designed with families in mind, offering a safe and welcoming environment with plenty of recreational activities.

• Land O' Lakes, FL

Land O' Lakes is a growing community in Pasco County, recognized for its mix of suburban development and natural beauty, including numerous lakes and nature preserves. With new housing developments, excellent schools, and a family-friendly atmosphere, it's an attractive destination for those seeking a peaceful lifestyle near Tampa.

• Lithia (Channing Park & Encore at FishHawk Ranch), FL

Lithia is a charming rural-suburban area offering scenic landscapes and access to great schools. Communities like Channing Park and Encore at FishHawk Ranch are particularly popular for their modern homes and access to amenities, making Lithia a sought-after area for families and retirees alike.

• Lutz, FL

Lutz is a tranquil suburban area located just north of Tampa, known for its mix of historic charm and newer developments. With sprawling oak trees, large lots, and a laid-back lifestyle, Lutz provides a peaceful retreat while still offering easy access to the city's conveniences.

• Mango (Lake Weeks Area), FL

Mango is a small community located near Brandon, offering quiet suburban living with easy access to nearby shopping and dining. The Lake Weeks area is particularly appealing to those seeking a serene environment with scenic lakes and parks, making it a peaceful place to call home.

• Odessa, FL

Odessa is a semi-rural community known for its large estates, horse farms, and natural beauty, including lakes and wetlands. The area is ideal for those who want a more secluded, peaceful lifestyle while still being within commuting distance of Tampa.

• Parrish, FL

Parrish is a growing community in Manatee County, known for its family-friendly neighborhoods and easy access to the Sarasota and Tampa areas. With a variety of new housing developments and recreational opportunities, Parrish offers a peaceful lifestyle with modern amenities.

• Plant City (Walden Lake Community), FL

Plant City is famous for its annual strawberry festival and charming small-town vibe. The Walden Lake community offers a well-established, picturesque neighborhood with a golf course, parks, and scenic lakes, providing a serene atmosphere for residents.

• Riverview (Winthrop Village & The Estuary), FL

Riverview is a fast-growing suburb of Tampa, known for its newer developments and convenient location near the city. Winthrop Village and The Estuary are two popular communities, offering a blend of modern amenities, parks, and family-friendly events, making it an appealing choice for families.

• Temple Terrace (Riverfront Homes), FL

Temple Terrace is a historic city near Tampa, offering a mix of suburban charm and access to the Hillsborough River. Riverfront homes in Temple Terrace provide scenic views and outdoor recreation, while the city's proximity to downtown Tampa makes it a convenient place to live.

• Thonotosassa (Lakefront Estates), FL

Thonotosassa is a rural community located just outside Tampa, known for its large estates and access to Lake Thonotosassa. The lakefront estates offer stunning views and privacy, making it a perfect location for those seeking a tranquil lifestyle surrounded by nature.

• Valrico, FL

Valrico is a suburban area east of Tampa, known for its quiet neighborhoods, excellent schools, and proximity to parks and golf courses. With a variety of housing options and convenient access to nearby shopping and dining, Valrico offers a family-friendly environment.

• Wesley Chapel, FL

Wesley Chapel is one of the fastest-growing areas in Pasco County, offering a mix of suburban living and modern amenities. Known for its excellent schools, shopping centers, and recreational facilities, Wesley Chapel is a popular choice for families and professionals looking for convenience and community.

• For other areas not listed, please call us 24/7 at 813-421-1357.

Tips for Homeowners East of Tampa in the Path of Hurricane Milton: Working with Public Insurance Adjusters

As Hurricane Milton approaches the east side of Tampa, homeowners are preparing for the potential aftermath of severe winds, flooding, and structural damage. One crucial step in the recovery process is navigating insurance claims, which can be a complex and overwhelming task. This is where a public insurance adjuster can become an essential advocate for homeowners, helping them maximize their claim payout and ensure a fair settlement. If you’re in the path of Hurricane Milton and considering working with a public adjuster, here are key tips to help you navigate this process successfully.

1. Understand What a Public Insurance Adjuster Does

Public insurance adjusters are licensed professionals who work on behalf of homeowners, not insurance companies. Their primary role is to assess the damage to your property, interpret your insurance policy, and negotiate with the insurance company to secure the highest possible payout for your claim.

While your insurance company will send its own adjuster to evaluate the damage, their priority is often to minimize the payout. A public adjuster, on the other hand, works solely for you, ensuring that all aspects of the damage are accounted for and that the compensation you receive is fair and sufficient for repairs.

2. Choose a Reputable Public Adjuster

When selecting a public insurance adjuster, it’s essential to choose one with a solid reputation and experience in handling hurricane damage claims. In the aftermath of a major storm like Hurricane Milton, many homeowners will be approached by adjusters offering their services, but not all of them may be reliable or have your best interests in mind.

Here are some key things to consider when selecting a public adjuster:

• Licensing: Ensure the adjuster is licensed in the state of Florida. You can verify their credentials through the Florida Department of Financial Services.

• Experience: Look for adjusters with a proven track record of handling hurricane-related claims, particularly in your area.

• References and Reviews: Ask for references from previous clients or check online reviews to see how others have rated their experience with the adjuster.

• Clear Contract Terms: Be cautious of any adjuster who asks for large upfront fees or doesn’t provide clear terms regarding their payment structure. Reputable public adjusters typically work on a contingency fee basis, meaning they are paid a percentage of your claim settlement only after you receive it.

3. Document Everything Before and After the Storm

Before Hurricane Milton makes landfall, take steps to document your property’s condition. This will provide valuable evidence should you need to file a claim for damages.

• Take Photos and Videos: Capture detailed images and videos of your home, inside and out, including the roof, walls, windows, and personal belongings. Be sure to store these files in a safe, secure location like a cloud-based drive that can be accessed even if your home is damaged.

• Collect Important Documents: Keep copies of your insurance policy, mortgage papers, and any other important documents related to your home in a waterproof folder or digital format.

• Inventory Your Belongings: Create an inventory of your personal belongings, including furniture, electronics, appliances, and other valuables. List the estimated value of each item and save receipts or proof of purchase where possible.

After the storm, your public adjuster will help you document the damage, but having "before" evidence will strengthen your claim. Continue taking photos of any visible damage immediately after the hurricane, and refrain from making major repairs until the damage is properly assessed by the adjuster.

4. File Your Insurance Claim as Soon as Possible

After a major hurricane, insurance companies will be inundated with claims. To avoid delays, file your claim as soon as you are able to assess the damage. You don’t need to wait for a public adjuster to file the initial claim, but having one by your side as early as possible will help guide the process and ensure that no details are overlooked.

The sooner you file, the higher your chances of getting your claim processed quickly. This will also allow your public adjuster to engage with the insurance company’s adjuster early on and begin advocating for your interests.

5. Communicate Openly with Your Public Adjuster

Working closely with your public adjuster is key to achieving a successful claim settlement. Open communication allows the adjuster to fully understand your needs and goals for repairs or rebuilding.

• Provide Accurate Information: Be honest and detailed when discussing the damage with your adjuster. They will need to know the full extent of the damage and any repair estimates you have received.

• Follow Their Advice: Public adjusters are experts in handling insurance claims, so trust their guidance. They will often have insights into how to document the damage in a way that maximizes your claim, as well as how to negotiate with the insurance company effectively.

• Stay Informed: Ask for regular updates on the status of your claim and what steps are being taken. A good public adjuster will keep you informed throughout the process, explaining each phase of the claim and what you can expect next.

6. Be Patient and Prepared for Negotiations

Insurance companies may not offer a fair settlement right away, particularly after a widespread disaster like Hurricane Milton. Your public adjuster will likely need to negotiate on your behalf, which may take time. Patience is key, as your adjuster works to gather the necessary evidence, secure estimates from contractors, and push back against any low offers from the insurance company.

While it can be tempting to accept the first offer just to expedite the process, remember that a good public adjuster’s goal is to maximize your payout, ensuring that you receive enough compensation to fully repair your home.

7. Know What Your Insurance Policy Covers

Understanding your insurance policy is critical during the claims process. Your public adjuster can help interpret the policy and identify any coverage limitations, exclusions, or additional endorsements that may apply to hurricane damage. For example, some policies may have separate deductibles for wind damage versus flood damage, so it’s important to know what type of damage your policy covers.

8. Be Aware of the Public Adjuster’s Fees

Public adjusters typically charge a percentage of the claim payout, often ranging from 10% to 20%, depending on the complexity of the claim and the amount of work involved. Before signing a contract with a public adjuster, make sure you fully understand their fee structure and how it will impact your overall settlement.

In Florida, state regulations cap the percentage public adjusters can charge for claims related to hurricanes, particularly during the first year after a declared emergency. Make sure your adjuster complies with these regulations to avoid overpaying for their services.

Dealing with the aftermath of Hurricane Milton can be stressful, but having a knowledgeable public insurance adjuster on your side can make the process much smoother. By selecting a reputable adjuster, documenting everything, and maintaining open communication, you can ensure that your insurance claim is handled efficiently and that you receive the compensation you deserve.

ORLANDO AREA

• Audubon Park, FL

Audubon Park is a vibrant neighborhood in Orlando, known for its eclectic mix of local boutiques, restaurants, and community gardens. The area is also home to the Audubon Park Garden District, a hub for those interested in sustainable living and home to frequent farmers markets and events. Its proximity to downtown Orlando makes it a convenient and lively place to live.

• Baldwin Park, FL

Baldwin Park is a master-planned community located near downtown Orlando, offering a mix of modern homes, apartments, and townhouses. Known for its walkability, Baldwin Park features a town center with shops, restaurants, and parks, making it a popular area for families and young professionals alike. The neighborhood is also adjacent to beautiful Lake Baldwin, perfect for outdoor activities.

• Delaney Park, FL

Delaney Park is one of Orlando's most charming historic neighborhoods, known for its oak-lined streets, classic homes, and proximity to downtown. The neighborhood features a namesake park with sports fields and playgrounds, making it an attractive area for families. Its convenient location offers easy access to cultural venues, restaurants, and shopping.

• Dr. Phillips, FL

Dr. Phillips is a prestigious suburb of Orlando, known for its luxury homes, high-end restaurants, and excellent schools. It is a sought-after area for families and professionals, offering a blend of suburban tranquility and easy access to popular Orlando attractions such as Universal Studios and the Mall at Millenia.

• Lake Como, FL

Lake Como is a serene residential neighborhood in Orlando, offering a peaceful environment with tree-lined streets and charming mid-century homes. The neighborhood is centered around the picturesque Lake Como Park, where residents can enjoy outdoor activities. Its close proximity to downtown Orlando and local amenities makes it a desirable location for those seeking a quiet yet convenient place to live.

• Lake Nona, FL

Lake Nona is a rapidly growing, innovative community in southeast Orlando, known for its cutting-edge technology and medical research facilities. The area offers modern housing developments, top-rated schools, and state-of-the-art amenities such as the USTA National Campus and the Lake Nona Medical City. It's a hub for professionals and families looking for a dynamic, future-forward place to call home.

• Oviedo, FL

Oviedo is a charming city located northeast of Orlando, known for its historic downtown, family-friendly atmosphere, and natural beauty. It offers a small-town feel with access to nature trails, parks, and top-rated schools, making it a popular choice for families. Despite its quaint vibe, Oviedo is also close to major highways, offering easy access to downtown Orlando.

• Rose Isle, FL

Rose Isle is an upscale, quiet neighborhood located near Winter Park and downtown Orlando. Known for its beautiful, stately homes and tree-lined streets, it offers residents a peaceful, luxurious lifestyle with quick access to cultural and shopping districts. Its proximity to Lake Sue provides stunning waterfront views for many properties in the area.

• Rowena Gardens, FL

Rowena Gardens is a small, charming neighborhood located near Winter Park, just north of downtown Orlando. The area is known for its classic, mid-century homes, shaded streets, and proximity to cultural venues such as the Orlando Museum of Art and Harry P. Leu Gardens. Its quiet, residential feel combined with its central location makes it highly sought after.

• Windermere, FL

Windermere is a picturesque town located in Orange County, famous for its luxury lakefront estates and affluent community. Surrounded by the Butler Chain of Lakes, Windermere offers a tranquil, upscale lifestyle with an emphasis on outdoor activities like boating and fishing. Despite its serene atmosphere, Windermere is just a short drive from Orlando's theme parks and amenities.

Tips for Business Owners of Property in Orlando in the Path of Hurricane Milton: Working with Public Insurance Adjusters

As Hurricane Milton approaches the Orlando area, business owners must prepare for the possibility of severe property damage, operational disruptions, and financial losses. After a major storm, navigating the complexities of insurance claims can be daunting, especially for business owners managing commercial properties. This is where public insurance adjusters play a crucial role. A public adjuster works on your behalf, helping to ensure that your insurance claim is maximized so you can recover quickly and fully. Here are key tips for business owners in Orlando facing Hurricane Milton and considering working with a public insurance adjuster.

1. Understand the Role of a Public Insurance Adjuster

A public insurance adjuster is a licensed professional who represents your interests when filing an insurance claim, ensuring that you get the best possible settlement from your insurance company. Unlike the insurance company’s adjuster, who works to protect the insurer’s bottom line, a public adjuster works solely for you, advocating for a fair settlement.

For business owners, this can mean the difference between a quick and inadequate settlement versus a comprehensive payout that covers repairs, lost income, and other expenses necessary for your business’s recovery.

2. Document Your Property Before the Storm

Preparation is key before Hurricane Milton hits. Thorough documentation of your property, equipment, and inventory will provide critical evidence if you need to file a claim for storm-related damages.

• Take Photos and Videos: Capture detailed images and videos of the exterior and interior of your business property, including any valuable equipment, furniture, or machinery. Make sure to include the condition of your roof, windows, signage, and parking lot.

• Inventory Your Assets: Create an inventory of all your business assets, including serial numbers, purchase prices, and dates. This information will be important when filing a claim for damaged or lost items.

• Store Documents Safely: Keep copies of insurance policies, lease agreements, and important business documents in a secure, off-site location or a digital cloud service. Having access to these documents after the storm is essential for filing your claim.

3. Select a Qualified Public Adjuster

When selecting a public insurance adjuster, it’s important to ensure you choose a qualified and experienced professional, especially one who specializes in commercial property claims. After a major event like Hurricane Milton, many adjusters will offer their services, but not all are reputable.

Here are a few tips for choosing the right adjuster:

• Verify Licensing: Make sure the adjuster is licensed in Florida. You can verify their credentials through the Florida Department of Financial Services.

• Check Experience with Commercial Claims: Look for adjusters who have a proven track record in handling commercial property damage claims, particularly for businesses similar to yours.

• Ask for References: Request references from previous clients to ensure the adjuster has a history of successful outcomes. You can also check reviews online to see what other business owners have experienced.

• Review Contract Terms: Ensure the contract clearly outlines the adjuster’s fees and services. Most reputable public adjusters work on a contingency fee basis, meaning they only get paid when you receive your claim settlement.

4. File Your Insurance Claim Promptly

After Hurricane Milton passes, it’s important to file your insurance claim as soon as possible. Insurance companies will be inundated with claims after a major storm, so early filing increases your chances of getting your claim processed quickly.

Although you can file the claim yourself, hiring a public adjuster early in the process is beneficial. A public adjuster can guide you through the filing process, making sure all necessary documentation is included and that you maximize your chances for a fair settlement.

5. Conduct a Thorough Damage Assessment

Once it is safe to return to your property, conduct a thorough assessment of any damage. Your public adjuster will assist you in documenting and evaluating all damage, but it's important to make an initial assessment on your own as well. Document everything carefully:

• Photograph Damage: Take pictures of any damage to the building’s structure, equipment, inventory, and other assets. Be as detailed as possible to ensure nothing is overlooked.

• Keep a Damage Log: Note the specific areas of the building that were affected, the extent of the damage, and any business operations that were impacted.

Your public adjuster will then conduct a more in-depth analysis, working with contractors if necessary to estimate the cost of repairs and the value of lost assets.

6. Don’t Rush Repairs Before the Adjuster’s Assessment

While you may be eager to make repairs to your business to get it up and running, avoid making any major repairs before your public adjuster has completed a full assessment. Insurance companies need to see the full extent of the damage before any repairs are made, and making premature fixes could complicate your claim.

However, it’s important to take temporary steps to prevent further damage, such as tarping a damaged roof or boarding up broken windows. Document these temporary repairs and keep receipts, as you may be reimbursed for these expenses.

7. Communicate Clearly with Your Public Adjuster

Working closely with your public adjuster throughout the claims process is key to achieving a successful outcome. Make sure to maintain open lines of communication and provide any necessary documentation they may need to support your claim. A good adjuster will keep you informed of the process and help manage interactions with the insurance company.

• Provide Full Access: Allow the public adjuster to access all areas of your property and provide detailed information about any losses you’ve experienced.

• Share Business Interruption Details: If your business has been forced to close or scale back operations due to storm damage, make sure to communicate this to your adjuster. They can help you file a claim for business interruption, which can cover lost income and operating expenses during the recovery period.

8. Business Interruption Claims

For many businesses, the most significant loss from a hurricane may not be physical damage but lost income due to business interruptions. Public adjusters can help you file a business interruption claim, which compensates you for lost revenue and extra expenses incurred while your business is closed or operating at a reduced capacity. Be prepared to provide:

• Profit and Loss Statements: These documents will help establish the level of income your business was generating before the hurricane.

• Expense Records: Keep track of any additional costs incurred due to the storm, such as temporary relocations, equipment rentals, or emergency repairs.

Your public adjuster will use this information to negotiate with your insurer for the maximum payout on your business interruption claim.

9. Know What Your Insurance Policy Covers

Commercial insurance policies can be complex, often containing multiple layers of coverage for various types of damage. Your public adjuster will help interpret your policy, but it’s important for you to have a general understanding of what your insurance covers:

• Flood vs. Wind Damage: Many policies in Florida separate wind damage from flood damage, and each may have different deductibles. Ensure you understand how each type of damage will be handled under your policy.

• Business Interruption Coverage: Not all policies include business interruption coverage by default, so confirm whether this is part of your policy and what conditions need to be met for it to apply.

10. Be Patient and Persistent

The claims process, particularly after a major hurricane like Milton, can be lengthy. While a public adjuster will work to expedite your claim, it may take time to negotiate with the insurance company, especially if widespread damage has occurred. Be patient, but also proactive in following up with your adjuster for updates on the status of your claim.

As Hurricane Milton approaches Orlando, business owners must prepare for the possibility of significant property damage and operational disruptions. Hiring a reputable public insurance adjuster can make a significant difference in the speed and size of your claim settlement, allowing your business to recover as quickly and fully as possible. By documenting your property, communicating clearly with your adjuster, and understanding your insurance policy, you’ll be in a strong position to navigate the post-storm recovery process.

Global Patriot Adjusters is a company created on the single devotion to bring every dollar deserved to clients from an insurance claim. We maintain the best reputation in the Public Adjuster business because we take each claim for each client as a project with personal ownership and accountability.

We are helping business owners and homeowners throughout Southwest Florida with their insurance claims from Hurricane Helene.