Tampa Bay's Premier Storm Damage Insurance Claims Specialists
ERS Contractor has successfully recovered over $50 million in storm damage settlements for Tampa Bay property owners since 2001. Our team of licensed insurance claims specialists work exclusively for you - not the insurance company - ensuring you receive the maximum settlement for your storm damage repairs. We handle every aspect of your claim from initial documentation through final negotiation, using our deep knowledge of Florida insurance law and claims processes to achieve superior results.
Our Insurance Claims Success Record
The Insurance Claims Process: What You Need to Know
Most property owners don't realize that insurance company adjusters work for the insurance company, not for you. Their job is to minimize claim payouts while appearing helpful and fair. Our certified public adjusters level the playing field by working exclusively for you. We know exactly what insurance companies look for, how they value damage, and what tactics they use to minimize settlements. This expertise translates into significantly higher settlements for our clients.
Complete Insurance Claims Management Services
Emergency Claims Filing
24/7 emergency claims filing service with immediate contact to your insurance carrier. We ensure your claim is filed promptly with all required information to prevent delays or denials based on timing issues.
Professional Damage Documentation
Comprehensive damage assessment with detailed measurements, professional photography, thermal imaging, moisture detection, and technical reports meeting insurance industry standards for claim submission.
Claims Negotiation & Advocacy
Expert negotiation with insurance company adjusters on your behalf. Our public adjusters challenge inadequate estimates, fight for proper scope inclusion, and negotiate fair pricing using Xactimate and local market rates.
Supplement & Reopened Claims
Professional handling of supplement claims when additional damage is discovered during restoration work. We also reopen denied or underpaid claims with additional evidence and expert presentation.
Why Insurance Companies Underpay Storm Claims
Insurance companies are businesses focused on profit margins, not fair claim settlements. Common tactics include inadequate damage assessment, artificially low repair estimates, policy coverage disputes, depreciation arguments, and quick settlement pressure. They count on property owners not understanding their policies, not knowing current repair costs, and not having time to fight for fair settlements. Our public adjusters eliminate these disadvantages by providing expert advocacy throughout the entire claims process.
Types of Storm Damage Claims We Handle
Hurricane & Wind Damage Claims
Complete hurricane damage claims including roof damage, siding damage, window damage, structural damage, and contents damage. We understand wind patterns, failure modes, and proper documentation techniques for wind damage claims.
Hail Damage Claims
Specialized hail damage claim handling including subtle impact damage that insurance adjusters often miss. We use specialized equipment and techniques to identify all hail damage for complete claim recovery.
Water Damage & Flood Claims
Storm-related water damage claims including roof leaks, window leaks, flooding, and secondary water damage. We work with IICRC-certified technicians to properly document and present water damage claims.
Fire & Lightning Claims
Lightning-related fire damage claims and electrical damage claims. We coordinate with electrical contractors and fire restoration specialists to ensure complete damage assessment and maximum claim recovery.
The Public Adjuster Advantage: How We Maximize Your Settlement
Public adjusters typically increase claim settlements by 40-60% compared to property owners handling claims themselves. We achieve these results through thorough damage assessment, proper documentation, accurate repair estimates, policy coverage analysis, and skilled negotiation. Our expertise includes understanding Xactimate pricing software, local labor and material costs, and insurance company settlement tactics. Most importantly, we have the time and resources to properly fight for your rights when you're dealing with storm recovery stress.
Our Claims Process: Step-by-Step Excellence
Free Initial Consultation
Comprehensive review of your storm damage and insurance policy at no cost. We explain your coverage, assess your damage, and provide honest evaluation of your claim potential before you commit to our services.
Professional Damage Assessment
Detailed property inspection by certified public adjusters and storm damage specialists. We document every aspect of damage with measurements, photographs, and technical analysis meeting insurance industry standards.
Claims Preparation & Filing
Professional preparation of your insurance claims with detailed scope of work, material specifications, labor calculations, and supporting documentation. We ensure nothing is missed in your initial claim submission.
Insurance Company Negotiations
Direct negotiation with insurance adjusters on your behalf. We challenge inadequate estimates, fight for proper coverage interpretation, and negotiate fair settlements based on accurate damage assessment and local market pricing.
Florida Insurance Law & Your Rights
Florida law provides strong protections for policyholders, but most property owners don't understand their rights. You have the right to choose your own contractors, demand adequate time for proper repairs, challenge insurance company estimates, and receive fair settlements based on actual repair costs. Our public adjusters understand Florida Statutes 626.854-626.8698 governing public adjusters and 627.70132 covering claim settlement practices, ensuring your rights are protected throughout the claims process.