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INSURANCE CLAIMS WE HANDLE

Residential and commercial property damage claims handled with a policyholder-first approach

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Hurricane & Wind Damage

Hurricane and wind-related claims are among the most complex insurance losses in Florida. These claims often involve a combination of high winds, wind-driven rain, pressure changes, and storm debris—each affecting different parts of the property in different ways.

Common areas impacted include roofing systems, siding, windows, doors, exterior finishes, fencing, and interior spaces where water intrusion occurs. Damage may not always be immediately visible and can worsen over time if not properly documented and addressed during the claim process.

This category typically includes damage from:

  • Hurricanes and tropical storms

  • Straight-line winds

  • Wind-driven rain

  • hail storms

Water & Pipe Burst Damage

Water damage claims often result from sudden plumbing failures, broken supply lines, appliance malfunctions, or pipe bursts. While the source of loss may seem straightforward, the resulting damage can extend well beyond the visible area.​​​​

Water intrusion can affect flooring, drywall, insulation, cabinetry, electrical systems, and structural components. Secondary issues—such as moisture trapped behind walls or under flooring—are frequently overlooked without proper inspection and documentation.

This category commonly includes damage from:

  • Burst or leaking pipes

  • Plumbing system failures

  • Appliance-related water discharge

  • Resulting interior and structural damage

Roof Damage

Roof damage claims involve more than missing shingles or visible leaks. Roofing systems can sustain lifted, creased, fractured, or displaced materials that compromise their integrity without immediate interior signs.​​

Roof damage often occurs alongside storm events and may impact underlayment, flashing, vents, decking, and drainage components. Improper assessment can lead to partial repairs that fail to address the full scope of damage covered under the policy.​

Roof-related claims may include:

  • Shingle or tile damage

  • Flat roof membrane damage

  • Hail hits to soft metals 

  • Leaks resulting from covered events

Fire & Smoke Damage

Fire-related losses can affect a property in multiple ways, even when flames are contained to a limited area. Smoke, soot, and heat can spread throughout the structure, impacting surfaces, materials, and indoor air quality.​​

In addition to structural and cosmetic damage, fire claims often involve damage to electrical systems, insulation, finishes, and personal property. Proper documentation is critical to ensure all affected areas are accounted for—not just those visibly burned.

This category typically includes:

  • Fire damage to structural components

  • Smoke and soot intrusion

  • Heat-related damage

  • Restoration and remediation needs

Mold Related Losses

Mold-related claims are often tied to a covered water event that was sudden and accidental. When moisture is introduced into the structure and not properly addressed, mold growth can develop in hidden or hard-to-access areas.

These claims require careful handling to distinguish covered damage from exclusions, while ensuring that all related remediation and repairs are properly documented. Mold impacts can extend beyond visible growth and may affect air quality, building materials, and finishes.

Mold-related losses may involve:

  • Mold growth following water intrusion

  • Damage to drywall, insulation, and finishes

  • Remediation related to covered water events

Electrical Damage

Electrical damage claims commonly arise from lightning strikes, power surges, or sudden electrical system failures. These events can impact wiring, panels, outlets, connected appliances, and electronic systems throughout the property.​

While some electrical damage is immediately apparent, other issues may not surface until systems are tested or inspected. Proper evaluation is necessary to ensure all affected components are considered as part of the claim.

This category may include damage from:

  • Lightning strikes

  • Power surges

  • Electrical system failures

  • Damage to connected systems and equipment

Commercial & Multi-Family

Commercial and multi-family properties present additional complexity due to scale, occupancy, and policy structure. These claims often involve multiple units, shared systems, business interruption considerations, and coordination with property managers or associations.​

Accurate documentation and strategic handling are essential to address both physical damage and operational impacts while navigating policy requirements unique to commercial properties.

These claims commonly involve:

  • Multi-unit residential buildings

  • Rental properties and HOAs

  • Commercial structures and systems

  • Covered business-related losses

How These Claims Are Handled 

  • Review coverage and loss details

  • Inspect and document damages

  • Prepare estimates and claim materials

  • Negotiate toward resolution

Why Atlas Public Adjusters

  • Policyholder-only representation

  • Strategic, claim-by-claim handling

  • Clear communication throughout

  • No upfront fees

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Not sure if your loss qualifies?

We're happy to review your situation and explain your options

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