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Home or Business Devastated by Hurricane Milton?

Don’t Despair- UPA as Your Public Adjuster in Florida Will Help 

All too soon after Hurricane Helene caused over $34 billion in property losses, Hurricane Milton has crossed the state, leaving yet another path of destruction, whose estimates top $175 billion, in its wake. The 2024 hurricane season is producing storms of escalating magnitude, and therefore a higher percentage of damage and property losses, therefore hurricane claims, than ever before. While the Insurance Information Institute of Florida reassures policyholders that the state’s property insurance market is well-capitalized to handle all your claims resulting from storm impacts, this is not a time for home and business owners to ‘go it alone’ when preparing and submitting a hurricane damage claim. Instead, you should call on the leading public claim adjuster in Florida, United Public Adjusters & Appraisers (UPA), to have your back and provide assistance and guidance throughout your claim process. 

As your public adjuster in Florida, the UPA team wants you to be aware of the following: The Federal Emergency Management Agency (FEMA), has already set up outposts in many Florida communities. However, it is a mistake to think that you can rely on a FEMA subsidy to fully cover your needs. FEMA does not provide money for your expenses that are covered by insurance or by duplicate benefits from any other source. Also, be aware that if you carry flood insurance, there are limitations that may not cover the restoration of your home and/or business premises. For example, standard flood coverage policies have a ceiling of $250K for residential, and $500K for commercial properties. What can you do if these limitations will not cover replacement cost estimates for your home or business? 

We’ve stated some of the reasons why it is imperative that you contact United Public Adjusters & Appraisers for immediate and comprehensive assistance. UPA’s team will examine your policies and help you to determine what is and is not covered, as well as help you document your losses and submit your hurricane claims. Whether your home and/or business is damaged or a total loss, this is an emotionally charged time, and following up with your insurance carrier regarding the status of your claim(s) should be the least of your concerns. Instead, allow United Public Adjusters and Appraisers to oversee the entire processing of your claim(s).

Right now, in the State of Florida, insurance carriers are inundated with hurricane damage claims for Milton losses on top of Helene losses. Each carrier is receiving tens of thousands of claims daily, and these claims must be processed as quickly as possible. What this means is that the settlement offers are generally low and inadequate. In this instance, UPA will advise you not to accept a low-ball offer, and instead, negotiate with your carrier to bring about a fair and just settlement that meets your needs to the extent that your policy/policies allow. Nothing less. 

United Public Adjusters & Appraisers is available 24/7/365 to serve your needs, provide support, and to be your ally. Learn more about the services our team of experienced and empathetic professionals can provide to get your recovery process underway and your hurricane damage claims resolved, by calling our team of professional public adjusters today.

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United Public Adjusters & Appraisers is licensed in many states including Florida, Georgia, South Carolina, and North Carolina. View a comprehensive list below.

  • Connecticut
  • Colorado
  • Delaware
  • District of Columbia
  • *Florida
  • Georgia
  • Louisiana
  • Maine
  • Minnesota
  • North Carolina
  • Nevada
  • New Jersey
  • New York
  • Ohio
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Texas
  • US Virgin Islands
  • Virginia
  • Vermont

*United Public Adjusters & Appraisers License #s: 

United Public Adjusters & Appraisers: W912955

Philip Maltaghati: W364451

Michael Maltaghati: W435498

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