Storm Damage Insurance Claims Adjuster

Storm Damage Insurance Claims Adjuster

When a severe weather event strikes your property, whether it’s a powerful windstorm, hail eruption, snow and ice overload, or torrential rains, you need an expert by your side. At Funari Public Adjusters, our role as your dedicated storm damage insurance claims adjuster is to work solely for you, the property owner, not the insurance company. We serve homeowners and business-owners across Pennsylvania, New Jersey & Delaware, providing professional advocacy, detailed documentation and skilled negotiation to help you recover fully.

Why Storm Damage Claims are Complex

Storm damage comes in many forms like missing shingles, collapsed gutters, shattered skylights, fallen trees, ice-dam induced leaks, and hidden structural compromises. The subtle damage often lies beneath the surface: hail can crack shingles or puncture siding long before water intrusion appears; ice dams can lead to long-term deterioration; wind-borne debris can damage underlying structures. Insurance policies have different exclusions, deductibles and definitions of covered loss, making the claims process challenging.

As your storm damage insurance claims adjuster, Funari Public Adjusters brings construction-knowledge, policy-interpretation skill and strong documentation to ensure no damage, visible or hidden, is overlooked.

Our Role as Public Adjusters for Winter Storm Damage Claims

Winter storms pose their own unique threats: heavy snow and ice weight, frozen pipe bursts, roof collapses, fallen trees under snow load, wind-driven snow infiltration and freeze/thaw cycles. That’s why you need experienced public adjusters for winter storm damage claims, professionals who understand both the engineering issues and how to present them to an insurance carrier.

At Funari, we are licensed in PA, NJ and DE, and have decades of experience helping clients with winter storm damage: we document collapsed roofs, ice-dam leaks, storm-driven tree damage and more. We step in early so that you have an advocate right from the start, someone who will help you secure your property, document the damage, interpret your policy and negotiate your settlement.

How We Work for You

1. Immediate Support & On-Call Availability: After a storm event you often have no time to delay. Our team is available 24/7 to guide you on the first steps: ensure safety, mitigate further damage, document what you witnessed and call us immediately.
2. Damage Assessment & Documentation: We perform a thorough inspection of your property, roof, siding, gutters, windows, foundation, interior damage and ancillary structures. We photograph, video and report everything, including hidden damage that surfaces later.
3. Policy Review & Claim Strategy: We interpret your insurance policy to identify coverage, limits, exclusions and deductible implications. With us as your storm damage insurance claims adjuster you will walk through your rights, potential coverages and realistic expectations.
4. Claim Preparation & Submission: We compile all documentation, including loss estimates, expert reports (if needed), contractor bids, supplemental damage items and loss-of-use or business-interruption elements (where applicable).
5. Negotiation & Settlement: We negotiate on your behalf with the insurer’s adjuster. As public adjusters for winter storm damage claims we however work year-round for all storm types, pushing back on lowball offers, denials or partial settlements until you receive the maximum compensation your policy entitles.
6. Recovery & Closure: Once settlement is agreed, you’re positioned to restore your property and move forward. We remain available for follow-up if additional damage is discovered later.

Why Choose Funari Public Adjusters?

• We are licensed and bonded in Pennsylvania, New Jersey and Delaware.
• Family-owned and serving the region since 1987, we’ve handled thousands of property-damage cases for homeowners and business-owners alike.
• We work for you and not the insurance company. Many policyholders wrongly assume the adjuster sent by the insurer represents their interests; we make sure you have your own advocate.
• Deep expertise in storm, hail, wind, snow & ice-related damage: from roof collapse to ice dam damage, from hidden structural harm to major commercial losses.
• Full-service claim handling: We take care of everything from inspection to final settlement negotiation, letting you focus on recovery.
• Recognized for maximizing homeowner and commercial property recoveries by leveraging contractor-level cost estimating, structural assessment and policy interpretation skills.

Don’t Wait. Act Now.

Storm damage doesn’t always show its full impact immediately. A hail strike may not produce visible leaks for weeks; an ice dam may cause hidden structural stress that bares down later; neglecting immediate mitigation can reduce your claim amount. With winter approaching in the region, the time to prepare is now.

Call Funari Public Adjusters at 215-271-9582. Our team is ready 24/7 to respond, assess your loss and begin the claims process on your behalf.

Frequently Asked Questions (FAQs)

When should I contact a public adjuster after a storm?

It’s best to contact a storm damage insurance claims adjuster as soon as possible after the storm occurs, ideally before filing your insurance claim. Early involvement ensures that your damage is properly documented and that you don’t unintentionally make statements or decisions that could affect your payout.

What types of storm damage are typically covered by insurance?

Most homeowners and commercial property insurance policies cover damage caused by wind, hail, lightning, ice, and falling trees. Coverage for flooding or surface water may require a separate policy. A licensed public adjuster can review your specific policy to determine what’s included and identify any coverage gaps.

Are public adjuster fees worth it?

Yes. Public adjusters typically charge a small percentage of your final settlement, and many clients end up receiving significantly higher payouts than they would have on their own. This makes hiring a public adjuster for winter storm damage claim a smart investment, especially for substantial losses where accurate valuation and negotiation can make a big difference.