Hurricane Season 2013: Predictions
Higher Risk for Hurricanes this Year
After a devastating blow to the East from Superstorm Sandy in October of 2012 and the Atlantic Ocean having an increase in temperature this year, residents and homeowners on the Atlantic coast should anticipate another active season in 2013. Hurricane season begins June 1, and lasts until Nov. 30, with the peak of the season from mid-August to late October, and the East Cost states could possibly see a Hurricane Andrea, Barry, Chantal, Dorian, Erin, Fernand, Gabrielle, Humberto or Ingrid (according to NOAA).
The following forecast numbers are predictions for this year:
* 13-20 named storms
* 7-11 are expected to become hurricanes
* 3-6 are expected to be major hurricanes
Additionally, NOAA’s forecast specifies a “70% likelihood” of these range of storms, hurricanes and major hurricanes.
As your prepare for Hurricane Season, make sure you have the appropriate coverage. Let one of our policy experts review your policy. We do free policy reviews and consultations!
[middlerepresent}We help with other claims besides hurricane damage!
Types Of Damages
- Storm Damage
- Hail/Wind/Water
- Hurricane
- Tornado
- Fire Damage
- Water Damage
- Pipe break
- A/C Leak
- Dishwasher Leak
- Mold Damage
- Theft/Vandalism Damage
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- Published in In the News
Water Damage Restoration: What is and Who Needs It?
Water Damage Restoration
Water damage restoration is the process of restoring a home back to pre-loss condition after sustaining any level of water damage. Simply stated, if your home is damaged in any way due to water, water damage mitigation or restoration is the process that restores it back to its condition before the water damaged the property.
If water damage occurs in your home, it is important to take the necessary steps in getting your house back to pre-existing condition. Many homeowners decide to take matters in his or her own hands and end up eating a bill that the insurance company should have paid for. Remember, your insurance company is ultimately out for their own, and if they can get you on neglect or not properly handling the loss in timely manner, they will.
Getting a professional water restoration specialist involved is a sure way to not only get fully reimbursed, but to get your home back to it’s pre-existing condition. The main reason we suggest hiring a professional is because they will adequately dry out the home. The major reason for problems with this type of claim is not drying out the property properly. Mold and additional damages can occur, and sometimes the insurance company will deny a mold claim because the suggest that you were negligent in handling the loss properly.
At All American Public Adjusters, we not only have a team of professional claims adjusters and policy experts, we also have a team of water mitigation specialists that will ensure that your home is adequately dried and restored to pre-existing condition. Additionally, we will handle the entire claim process for you, maximizing your insurance claim and minimizing your stress.
[middlerepresent}We help with other claims besides hurricane damage!
Types Of Damages
- Storm Damage
- Hail/Wind/Water
- Hurricane
- Tornado
- Fire Damage
- Water Damage
- Pipe break
- A/C Leak
- Dishwasher Leak
- Mold Damage
- Theft/Vandalism Damage
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- Published in Blog
190 Million in Flood Help: Illinois April Flooding
Flood Claim Specialists
Many homes and businesses were damaged due to the record breaking flooding that hit Illinois this past April 2013. Governor Pat Quinn says $190 million in federal grants and loans will be awarded to help Illinois residents and businesses in 35 counties recover from April floods. Federal aid to the designated disaster areas includes $143 million in grants to help the estimated 58,000 residents whose homes were damaged or destroyed. Additionally, the U.S. Small Business Association also approved another $47 million in loans.
If you were many of the residents who didn’t have flood insurance, you can still apply for a federal grant. The cutoff date was originally set for late July, but the Federal Emergency Management Agency approved the state’s request for a 15-day extension, making the extension date August 8th.
Grants can be used to help with home repairs, replacement of damaged personal property and other disaster-related expenses.
Also, if you are fighting with you insurance company concerning your settlement, Let us take a look and let you know what we can do to help. We handle all types of claims both residential and commercial:
[middlerepresent}We help with other claims besides hurricane damage!
Types Of Damages
- Storm Damage
- Hail/Wind/Water
- Hurricane
- Tornado
- Fire Damage
- Water Damage
- Pipe break
- A/C Leak
- Dishwasher Leak
- Mold Damage
- Theft/Vandalism Damage
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- Published in In the News
Fort Lee, New Jersey Public Adjuster: Why Hire Us? Higher Claim Settlements
All American Public Adjusters: Higher Claim Settlements
Let the insurance claim professionals at All American Public Adjusters assist you in maximizing your insurance claim and minimize your stress.
It is important to document and report the loss immediately in order to prevent a claim denial. Insurance companies will send their own adjuster to your home, and it is important to have someone representing your best interest. Don’t let the insurance company dictate the loss – remember the burden of proof solely lies on you.
We will come to your home and review the policy for free and assist you with the claim process with no out of pocket expenses. No recovery means no fee to you! We have a licensed public adjuster ready to answer any of your question. Don’t hesitate to call.
We also services the surrounding communities: Palisades Park, Edgewater, Cliffside Park, Ridgefield, Englewood
[middlerepresent}Types Of Damages
- Storm Damage
- Hail/Wind/Water
- Hurricane
- Tornado
- Fire Damage
- Water Damage
- Pipe break
- A/C Leak
- Dishwasher Leak
- Mold Damage
- Theft/Vandalism Damage
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After Hurricane Sandy, Homeless Still Number In The Thousands In New York, New Jersey
By WAYNE PARRY 04/27/13 12:32 PM ET EDT
MANTOLOKING, N.J. — The 9-year-old girl who got New Jersey’s tough-guy governor to shed a tear as he comforted her after her home was destroyed is bummed because she now lives far from her best friend and has nowhere to hang her One Direction posters.
A New Jersey woman whose home was overtaken by mold still cries when she drives through the area. A New York City man whose home burned can’t wait to build a new one.
Six months after Superstorm Sandy devastated the Jersey shore and New York City and pounded coastal areas of New England, the region is dealing with a slow and frustrating, yet often hopeful, recovery. Tens of thousands of people remain homeless. Housing, business, tourism and coastal protection all remain major issues with the summer vacation – and hurricane – seasons almost here again.
“Some families and some lives have come back together quickly and well, and some people are up and running almost as if nothing ever happened, and for them it’s been fine,” New York Gov. Andrew Cuomo said at a news conference Thursday. “Some people are still very much in the midst of recovery. You still have people in hotel rooms, you still have people doubled up, you still have people fighting with insurance companies, and for them it’s been terrible and horrendous.”
Lynda Fricchione’s flood-damaged home in the Ortley Beach section of Toms River, N.J., is gutted; the roof was fixed just last week. The family is still largely living out of cardboard boxes in an apartment. But waiting for a final decision from federal and state authorities over new flood maps that govern the price of flood insurance is tormenting her and many others.
“The largest problem is, nobody really knows how high we’re going to have to elevate the house,” she said. “At town hall they told us 5 feet, but then they said it might go down to 3 feet in the summer. Most of us are waiting until the final maps come out. It’s wait-and-see.”
But more than anything, Fricchione is optimistic, buoyed by a recent trip to New Orleans with her daughter during which they met a resident of the Lower Ninth Ward who was one of the first to move back in after Hurricane Katrina inundated the neighborhood that has become a symbol of flood damage – and resilience.
“Talking to that man was wonderful!” Fricchione said. “He said it takes time and you just have to have hope and know it will all work out eventually.”
By many measures, the recovery from Superstorm Sandy, which struck Oct. 29, has been slow. From Maryland to New Hampshire, the National Hurricane Center attributes 72 deaths directly to Sandy and 87 others indirectly from causes such as hypothermia due to power outages, carbon monoxide poisoning and accidents during cleanup efforts, for a total of 159.
The roller coaster that plunged off a pier in Seaside Heights, N.J., is still in the ocean, although demolition plans are finally moving forward. Scores of homes that were destroyed in nearby Mantoloking still look as they did the day after the storm – piles of rubble and kindling, with the occasional bathroom fixture or personal possession visible among the detritus.
Throughout the region, many businesses are still shuttered, and an already-tight rental market has become even more so because of the destruction of thousands of units and the crush of displaced storm victims looking to rent the ones that survived.
Homeowners are tortured by uncertainty over ever-changing rules on how high they’ll need to rebuild their homes to protect against the next storm; insurance companies have not paid out all that many homeowners expected; and municipalities are borrowing tens of millions of dollars to keep the lights on, the fire trucks running and the police stations staffed, waiting for reimbursement from the federal government for storm expenditures they had to fund out of pocket.
And yet, by other measures, remarkable progress has been made. Boardwalks, the tourism lifeblood of the region, are springing back to life. A handful of homes are going up, and the whine of power saws and the thwack of hammers is everywhere in hard-hit beach towns as contractors fix what can be saved and bulldozers knock down what can’t.
Volunteers in Highlands, N.J., are rebuilding the home of Bromlyn Link, the single mother of a 17-year-old boy, both of whom are members of the town’s first aid squad and who spent 12 to 14 hours a day helping friends and neighbors forced to live in shelters for weeks after the storm.
Mantoloking, which was cut in half by the storm and saw all 521 of its homes damaged or destroyed, is creeping back to life. The post office recently, reopened, and the first of 50 demolitions will start next week, which is also when Mayor George Nebel will join the 40 other residents who have been able to move back home.
Beaches that were washed away are coming back, due both to nature and bulldozers, and real estate agents say demand for this strangest of upcoming summers appears good, particularly in the large portions of the Jersey shore that were relatively unscathed by Sandy. Beach badges, required for access to most of New Jersey’s shoreline, are selling at a near-record pace in Belmar, N.J.
And while towns fortify beaches and dunes and put up sea walls, rock barriers or even sand-filled fabric tubes to guard against future storms, state governments are readying hundreds of millions of dollars to buy out homeowners in flood-prone areas who want to leave.
“We’ve made a lot of progress in six months; I know we still have a long way to go,” New Jersey Gov. Chris Christie said at a recent town hall meeting. “By Memorial Day, every boardwalk that was destroyed at the Jersey shore will be rebuilt. Businesses are reopening. Rentals are picking up again, roads are back open.”
Christie estimated 39,000 New Jersey families remain displaced, down from 161,000 the day after the storm. In New York, more than 250 families are still living in hotel rooms across New York paid for by the Federal Emergency Management Agency, while others are still shacking up with relatives or living in temporary rentals.
Everyone simply wants to make their homes livable again, said Ray Marten, whose home in the Belle Harbor section of New York City’s Queens borough burned down when a fire swept along his street during the storm, and whose family of six is renting a nearby house.
“If you go up my block now, all the houses have been demolished and removed,” Marten said. “They’re pretty much just holes in the ground. Sand pits.”
Separation is the new reality for the Gatti family, a clan of several generations that shared the same three-story home near the ocean on Staten Island until Sandy destroyed it. The flood-soaked place was demolished months ago, and they’re waiting for a government buyout. Now the family is scattered across New Jersey, New York and Texas.
“The whole family’s separated,” said Marge Gatti, the matriarch. “And it’s terrible, you know?”
Her son, Anthony, recently drove a U-Haul packed with his meager belongings to Killeen, Texas, where he will start a new life as a car mechanic.
“Mentally, I’m not all that well in the head,” said Anthony Gatti, who slept in a tent in front of the ruined home for weeks after the storm. “I know I’ve got to get some kind of help. I can’t seem to shake it out of my life.”
Ginjer Doherty was 9 years old when Sandy bubbled up through the floor of her Middletown, N.J., home and ripped the front wall off it. She and her parents went to a firehouse a few days later to see Christie talk about what was being done to recover.
The governor comforted Ginjer, telling her she would be all right, that the grown-ups were on top of things and would take care of her. Ginjer recently had an essay published in Time magazine recalling the encounter and describing her life after Sandy.
“My house was all messed up, and people told us we couldn’t stay there anymore,” she wrote. “The governor told me not to worry – that my parents would take care of everything – and he looked very serious and sad, and he cried.
“Things are going O.K. for my family,” she wrote. “We want to go back home, but rebuilding is going to take a long time. But we have a place to live for now. I even rescued a cat that was homeless after Sandy; I wanted him to be safe and loved like I feel.”
In an interview with The Associated Press, Ginjer, now 10, said she is sad that her home won’t be ready until October; her mom says it has been gutted and needs to be elevated.
Of the delay, Ginjer said simply, “It stinks.”
Sandy also damaged interior areas, particularly those along rivers in northern New Jersey. Cities including Hoboken and Jersey City were inundated, and officials continue try seek exemptions for skyscrapers and large apartments from federal rules requiring flood-prone buildings to be elevated. George Stauble, whose Little Ferry house took in four feet of water, said FEMA payouts caused some rifts between neighbors.
“Everybody’s house had pretty much the same amount of damage, but people are getting different amounts of money, and that’s caused some problems,” he said, adding some homeowners received as little as $8,000, while others received as much as $29,000.
___
Contributing to this report were Associated Press writers Meghan Barr and Deepti Hajela in New York and David Porter in Little Ferry, N.J
- Published in Public Adjuster
Orlando Fire Damage Insurance Claim Help
Fire damage insurance claims can be very tricky. When you face damage to your most important prized possession, the damage is not always apparent or visible. It is very important to take great care to inspect all aspects of a fire , the smoke, and water damage caused as a result of the fire damage. Once you have a full understanding of the damages, a detailed outline of how to properly fix the damage can be outlined. Detailed estimates are defined along with proper clean up techniques to fix the damaged area and any other areas which could have exposed your home or business to future issues cause by the fire. Experience, knowledge, and time are critical in assessing the fire damage property loss. Public Adjusters have the knowledge of proper construction techniques, proper clean up methods, and the critical estimating tools to develop a detailed line by line estimate of damages which will work to your advantage in building your fire damage insurance claim against your insurance company. All American Public Adjusters is licensed and bonded and have over 20 years of combined experience. If you live in Orlando or the surrounding area, then we can assist you with your fire damage insurance claim today. Contact us today for a free claims evaluation.
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What we do for you:
- Document Property and Contents Damage
- Maximize your insurance claim and minimize your stress
- Negotiate the insurance claim for necessary repairs or replacement for the loss
- Provide detailed estimates for the loss
- Reopen denials and ensure proper reimbursement
- Residential and Commercial Claims
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Call for a Free Consultation today
- Published in Blog
Boca Raton Fire Damage Insurance Claim – Using a Public Adjuster
Experiencing a fire in your home or business is devastating in itself, but handling your own fire damage insurance claim is risky.
All insurance policies require a policy holder to report their loss as soon as it is reasonably possible. You can comply by calling your agent, your insurance carrier directly, or enlisting in the help of a public adjuster. After a claim is filed, the insurance company will request a number of documents from you including a “proof of loss” which is an itemized statement of your losses that list the values of your damaged property. On average, most policy holders do not know the cost of repairs or what it entails. Fire damage needs to be photographed and documented carefully. You need someone to assist you with writing an estimate, reviewing your insurance policy, and negotiating and settling your fire damage insurance claim.
Don’t let the insurance company take advantage of you at such a vulnerable time. Let a licensed public adjuster assist you with your fire damage insurance claim from the beginning, so that you get the money you need for your fire damage. Even if you filed your own insurance claim, and are currently working with the insurance adjuster, it’s not too late to hire a public adjuster. Call us today for a risk free evaluation of your fire damage insurance claim.
[middlerepresent]What we do for you:
- Document Property and Contents Damage
- Maximize your insurance claim and minimize your stress
- Negotiate the insurance claim for necessary repairs or replacement for the loss
- Provide detailed estimates for the loss
- Reopen denials and ensure proper reimbursement
- Residential and Commercial Claims
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Call for a Free Consultation today
- Published in In the News
Orlando & Tampa Water Damage Insurance Claim Help from a Public Adjuster
A policyholder can get water damage to their property in a variety of ways. Water damage can happen if a pipe breaks/bursts, toilet overflows, shower pan leaks, slab leak, heavy rains, flooding, wind damage, or fire. Water damage causes issues to floors, sub-floors, walls, insulation, and personal property among other things. When an incident occurs to your home or business, you need to contact a public adjuster to guide you through the insurance claims process.
If hired immediately, a public adjuster can be an extremely helpful and beneficial decision to make. A public adjuster can review your water damage to make sure that it is a covered claim. They can create an estimate of your water damage to present to your insurance company. They can help with filing your water damage insurance claim and providing/discussing your water damage with your insurance company. Most importantly, negotiating and settling your water damage insurance claim so that you can fix your property and get your life back in order.
If you live in Florida and are located on Orlando, Florida or Tampa, Florida, our licensed public adjusters can help you with your water damage insurance claim. We have over 20 years of experience negotiating and settling water damage insurance claims. Call us today.
[middlerepresent]What we do for you:
- Document Property and Contents Damage
- Maximize your insurance claim and minimize your stress
- Negotiate the insurance claim for necessary repairs or replacement for the loss
- Provide detailed estimates for the loss
- Reopen denials and ensure proper reimbursement
- Residential and Commercial Claims
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Call for a Free Consultation today
- Published in In the News
Orlando & Tampa, Florida Hot Water Leaks/break Insurance Claim
Every home has a water heater to provide your home with water for your dishwasher, washing machines, and even for showers.
Although a water heater leak may sound like just a minor issue, it can easily turn into a very large problem. A small amount of water can damage your floors, sub-floors, walls, baseboards, and even insulation. If the water heater completely fails you can be looking as significant flooding and flood damage to your property which will result into expensive repair bills and personal property damage. Water heater leaks can also be a health risk if the damp or wet areas cause mold and mildew.
If you live in Tampa or Orlando, Florida and your water heater leaks or stops functioning properly, turn of the water on your home and call a public adjuster immediately! A Florida public adjuster is a licensed and bonded claims expert specializing in negotiating and settling insurance claims. Public adjusters have extensive knowledge of policy/policy language and property damage.
A Florida public adjuster will guide you through the entire claims process and see that we get you the maximum amount for your claim. Don’t run to go open an insurance claim without all the facts. Call a Florida public adjuster today for a risk free evaluation.
[middlerepresent]
What we do for you:
- Document Property and Contents Damage
- Maximize your insurance claim and minimize your stress
- Negotiate the insurance claim for necessary repairs or replacement for the loss
- Provide detailed estimates for the loss
- Reopen denials and ensure proper reimbursement
- Residential and Commercial Claims
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Call for a Free Consultation today
- Published in In the News
Georgia Fire Damage Insurance Claim Help – Public Adjuster Needed
All American Public Adjusters in Georgia- Fire Claim Experts
One of the most devastating losses that can occur to a home is fire damage.  If you have suffered from fire damage, you are well aware that there is more damage that occurs than just the fire.  Smoke, Soot, and the loss of indispensable belongings.  As Public Adjusters, we have helped numerous homeowners handle their fire insurance claims.  Whether it is minor kitchen fire damage or a major home fire damage that destroys your entire home let the experts at All American Public Adjusters handle your claim for you ensuring that you get full reimbursed.  The public adjusters in Georgia are trained to prepare dwelling fire damage repair estimates and to value damaged personal property. They are generally knowledgeable about the coverages provided by a typical insurance policy concerning your fire claim.  We understand what is needed for you to be reimbursed for damage to your property and damage to your belongings if fire damage has occurred.
We service the following areas in Georgia:Â Macon, Augusta, Savannah and the surrounding communities!
[middlerepresent]What we do for you:
- Document Property and Contents Damage
- Maximize your insurance claim and minimize your stress
- Negotiate the insurance claim for necessary repairs or replacement for the loss
- Provide detailed estimates for the loss
- Reopen denials and ensure proper reimbursement
- Residential and Commercial Claims
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Call for a Free Consultation today
- Published in In the News
North Carolina Fire Damage Insurance Claim Help – Public Adjuster Needed
All American Public Adjusters in North Carolina- Fire Claim Experts
One of the most devastating losses that can occur to a home is fire damage.  If you have suffered from fire damage, you are well aware that there is more damage that occurs than just the fire.  Smoke, Soot, and the loss of indispensable belongings.  As Public Adjusters, we have helped numerous homeowners handle their fire insurance claims.  Whether it is minor kitchen fire damage or a major home fire damage that destroys your entire home let the experts at All American Public Adjusters handle your claim for you ensuring that you get full reimbursed.  The public adjusters in Raleigh, Greensboro, Charlotta and surrounding areas, are trained to prepare dwelling fire damage repair estimates and to value damaged personal property. They are generally knowledgeable about the coverages provided by a typical insurance policy concerning your fire claim.  We understand what is needed for you to be reimbursed for damage to your property and damage to your belongings if fire damage has occurred.
We service the following areas in North Carolina: Raleigh, Greensboro, Charlotte and the surrounding communities!
[middlerepresent]What we do for you:
- Document Property and Contents Damage
- Maximize your insurance claim and minimize your stress
- Negotiate the insurance claim for necessary repairs or replacement for the loss
- Provide detailed estimates for the loss
- Reopen denials and ensure proper reimbursement
- Residential and Commercial Claims
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Call for a Free Consultation today
- Published in In the News