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Hurricane Damage: Is it possible to make a property damage insurance claim without being denied?

Updated: Dec 8, 2022



When a hurricane hits, the damage it causes can be devastating. If your home or business is damaged, you may be wondering if you can make a property damage insurance claim without being denied.


In this article, we will explore some of the things you need to know in order to make a successful insurance claim after a hurricane. We will also discuss what you can do if your claim is denied.


If you have been affected by Hurricane IAN, please don't hesitate to contact us for help. We are here to support you during this difficult time.


Hurricane IAN: What cities did it impact, what damage did it cause, in the state of Florida in September 2022.



Hurricanes are some of the most powerful storms in the world, and if you're unfortunate enough to be in one's path, you can expect catastrophic results. Hurricane IAN is the most recent hurricane that's caused significant damage in Florida. It touched down on September 28, 2022, and left destruction across much of West Florida.


How much is hurricane damage typically covered by home insurance companies, and how can you avoid claims issues when filing your claim? How long does it take for hurricane insurance claims to process?


When you suffer hurricane damages, filing an insurance claim can feel like a natural response. While all of your belongings might not be covered by your policy, many homeowners policies do provide some coverage for storm damage. This can include rebuilding or repairing damaged structures such as houses and decks, as well as replacing appliances and furniture.


However, there may be limitations to the coverage available under your policy that you are unaware of and that only insurance claims professionals can identify.


The steps you need to take before making a hurricane property damage insurance claim



After the storm has passed, it's time to assess the damages. If you have sustained substantial damages, you should contact a public adjuster or an insurance claim adjuster. They will help you navigate the process of submitting your claim and getting what is rightfully yours. The sooner you file your claim, the better chance you have of getting reimbursed for all that has been lost in Hurricane IAN.


It is also important that you have your information ready before making your claim. Don’t wait for an adjuster to get in touch with you, instead take action right away. Here are some of the important things you need before calling up your insurer or hiring a public adjuster in Florida.


  • Document the damages in photos and videos and save them to your computer.

  • Contact an insurance claim adjuster or public adjuster to assist you in filing your claim, as they are more experienced with these types of claims.

  • If your insurance company denies coverage for hurricane damage, contact a public adjuster, who will work on your behalf with the insurer to get your claim approved. They will gather evidence from you (such as pictures, video recordings) and use their expertise to prove that the event qualifies as a covered loss. Once your insurance company approves your claim, the public adjuster can help guide you through submitting the paperwork required for reimbursement.

How to make a hurricane property damage insurance claim that won't be denied?



If you've been through a hurricane and suffered property damage, the last thing you want to be told is that your insurance claim has been denied.


The best way to make a hurricane property damage insurance claim that won't be denied is to hire a public adjuster. Public adjusters have years of experience and know exactly how to handle claims for the big name insurance companies.


But if this happens, don't give up! You may be able to make a claim with the help of a public adjuster. A public adjuster can act on your behalf in order to expedite the process of getting your insurance claim paid out. They'll also be an advocate for you throughout the entire process.


How to file a hurricane-related insurance claim with your property insurance?


If your hurricane-related damage is covered by your property insurance policy, you will need to file a claim with your insurance company. The first step is to contact a private public adjuster to represent you and defend your interests, a public adjuster totally unrelated to your property insurance, and let them know that you have hurricane damage.


They will likely ask you for some basic information about the damages, such as when the hurricane occurred and what type of damage was done; then the public adjuster will make an appointment with you for a FREE inspection and proceed to submit the insurance claim.



The insurance adjuster will inspect the damage and create a report that details the repairs that need to be made. The insurance company will use this report to determine how much they will pay for the repairs. Once the insurance company has approved the repairs, you can begin making the necessary repairs to your home.


If you have any questions about filing a hurricane-related insurance claim, contact PICC Public Adjuster in Florida. They will be able to help you through the process and answer any questions that you may have.


Affected Areas by Hurricane IAN 2022 in Florida



The Hurricane IAN 2022 affected areas in Florida are as follows:


Lee County: The hurricane caused severe damage to the area, with most homes and businesses sustaining major damage or being destroyed. Nearly all the infrastructure in the county was either damaged or destroyed, and many residents were left homeless. The hurricane also caused widespread flooding, which further damaged buildings and homes.


Collier County: Hurricane IAN 2022 caused moderate damage to the area. Some homes and businesses were damaged, while others were flooded. There was also some damage to the county's infrastructure.


Miami-Dade County: Hurricane IAN 2022 caused minor damage to the area. Some homes and businesses were damaged, while others were flooded. There was also some damage to the county's infrastructure.


Broward County: Hurricane IAN 2022 caused minor damage to the area. Some homes and businesses were damaged, while others were flooded. There was also some damage to the county's infrastructure.


Palm Beach County: Hurricane IAN 2022 caused moderate damage to the area. Some homes and businesses were damaged, while others were flooded. There was also some damage to the county's infrastructure.


Key West & Florida Keys: Hurricane IAN 2022 caused significant damage to the area, with most homes and businesses sustaining major damage or being destroyed. Nearly all the infrastructure in the city was either damaged or destroyed, and many residents were left homeless. The hurricane also caused widespread flooding, which further damaged buildings and homes.


Overall, Hurricane IAN 2022 caused significant damage to the state of Florida. Many homes and businesses were damaged or destroyed, and many residents were left homeless. The hurricane also caused widespread flooding, which further damaged buildings and homes. The state's infrastructure was also significantly damaged. Hurricane IAN 2022 was one of the most damaging hurricanes in Florida history.


If you have Hurricane IAN 2022 damage in Fort Myers, it is important to contact PICC Public Adjusters in Florida. We can help you get the compensation you deserve for your damages. Contact us today to get started on your claim.


Fort Myers Hurricane Damage


Hurricane IAN caused extensive damage to the City of Fort Myers. The hurricane made landfall on September 28 as a category 4 storm and caused widespread damage and power outages.


Hurricane IAN was the first major hurricane to make landfall in Florida since Hurricane Michael in 2018. The hurricane caused extensive damage to trees, power lines, and buildings. Many homes and businesses were without power for several days after the storm, also caused significant flooding in some areas of the city. The Hurricane damaged or destroyed many homes and businesses.


If you have Hurricane IAN 2022 damage in Fort Myers, it is important to contact PICC Public Adjusters in Florida. We can help you get the compensation you deserve for your damages. Contact us today to get started on your claim.


Fort Myers Beach Hurricane Damage


Hurricane IAN caused a lot of damage to Fort Myers Beach in 2022. Some people's homes were destroyed, and the boardwalk was damaged. The hurricane also caused some businesses to close down. Thankfully, no one was seriously injured or killed. The community came together to help clean up the damage and rebuild homes and businesses. If you were affected by Hurricane IAN, we hope that you are doing well.


This hurricane caused a lot of damage to the area. Some damages included:


  • Homes being destroyed

  • Roads being blocked by debris

  • Power outages for days


The city is still recovering from the damages that were caused by this hurricane. It will take time for the city to fully recover, but the people are resilient and will continue to rebuild.


If you have Hurricane IAN 2022 damage in Fort Myers Beach, it is important to contact PICC Public Adjusters in Florida. We can help you get the compensation you deserve for your damages. Contact us today to get started on your claim.


Sanibel Island Hurricane Damage


In 2022, Sanibel Island was hit by Hurricane IAN, causing significant damage. Many homes were destroyed, and the island was left in shambles. It took months for the island to recover, and even then, it was not the same. Sanibel Island will never be forget the damage that Hurricane IAN caused.


If you have Hurricane IAN 2022 damage in Sanibel, it is important to contact PICC Public Adjusters in Florida. We can help you get the compensation you deserve for your damages. Contact us today to get started on your claim.


Cape Coral Hurricane Damage


A category 4 hurricane, IAN, made landfall in Cape Coral on September 28, 2022. The hurricane caused severe damage to the city, with wind gusts reaching over 160 mph and storm surge heights of 9 feet.


Nearly half of all homes in the city were damaged or destroyed, and over 1,000 people were injured. The total cost of damages was estimated at $5 billion.


The majority of the damage was caused by flooding, with over 6 inches of rain falling in some areas. Many roads and bridges were also damaged or destroyed, making travel difficult for residents.


Power was also knocked out to many parts of the city, and it took weeks for crews to restore electricity. The hurricane caused severe damage to Cape Coral, but the city has since made a full recovery.


If you have Hurricane IAN 2022 damage in Cape Coral, it is important to contact PICC Public Adjusters in Florida. We can help you get the compensation you deserve for your damages. Contact us today to get started on your claim.


Boca Grande Hurricane Damage


A category 4 hurricane, IAN, made landfall in Boca Grande on September 28, , 2022. The storm caused extensive damage to the island, with over $1.5 billion in damages reported.


Many homes and businesses were destroyed, and the island's infrastructure was severely damaged. Hurricane IAN was one of the worst hurricanes to ever hit Boca Grande, and its effects are still being felt today.


The island is slowly recovering, but it will take many years to fully recover from the devastation.


If you have Hurricane IAN 2022 damage in Boca Grande, it is important to contact PICC Public Adjusters in Florida. We can help you get the compensation you deserve for your damages. Contact us today to get started on your claim.


Naples Hurricane Damage


A Naples hurricane caused significant damage in 2022. The storm surge from Hurricane IAN inundated much of the downtown area, causing widespread flooding. Many businesses and homes were damaged or destroyed.


The hurricane also caused significant damage to the power grid, leaving many without power for days or even weeks. The cleanup and recovery process is expected to take months, if not years. Naples' residents are still working to rebuild their lives and their city.


If you have Hurricane IAN 2022 damage in Naples, it is important to contact PICC Public Adjusters in Florida. We can help you get the compensation you deserve for your damages. Contact us today to get started on your claim.


Hurricane Damage Englewood Florida


In 2022, Hurricane IAN caused significant damage to the city of Englewood Florida. The hurricane caused major flooding and power outages, which left many residents stranded without food or water. The city was also heavily damaged by the winds, which caused roofs to be blown off of buildings and trees to be uprooted.


Many homes and businesses were left uninhabitable, and the city's infrastructure was severely damaged. The hurricane caused an estimated $1 billion in damage to the city of Englewood Florida.


If you have Hurricane IAN 2022 damage in Englewood Florida, it is important to contact PICC Public Adjusters in Florida. We can help you get the compensation you deserve for your damages. Contact us today to get started on your claim.


How PICC Public Adjusters in Florida can they help you to file a successful insurance claim?



With over 30 years of experience, People’s Insurance Claim Center has gained an outstanding reputation as the largest-growing firm in Florida.


PICC works with more than 300 insurance companies, both large and small.



We are an active member of the Florida Association of Public Insurance Adjusters (FAPIA). PICC has also been an accredited member of the Better Business Bureau since May 2009, with an A+ rating.


Throughout the years, we have settled more than 60,000 claims for our clients, which has led to 22 awards of excellence.



For those reasons, you can confidently place your trust in our insurance adjusters.


Contact us today for more information or to begin the process of submitting your next claim.


Book your FREE Consultation at piccmia.com or call us at (305) 956-3666 OPEN 24 HOURS – 7 DAYS A WEEK! To get started. We look forward to helping you get back on your feet after a disaster!


Filing a property flood damage claim after Hurricane IAN can seem like a daunting task, but our team of experts is here to help! We understand the ins and outs of the claims process, and we will do everything we can to help you maximize your settlement. Contact us today for more information!



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