Epic Group Public Adjusters - Wind Storms & Hurricanes

Wind Storms & Hurricanes

EPIC GROUP will be there
TO HELP YOU GET THE MOST
OUT OF YOUR CLAIM.

We manage thousands of claims with detail and accuracy while maintaining personal attention to each client’s claim.

Epic Group SUCCESSFULLY handled more than 7,700 CLAIMS during the 2004-2005 Hurricane Season

Windstorm Claims
How to Properly Evaluate and Assess Damage

Between 2000 and 2003, windstorm losses accounted for between 21% and 25% of all homeowners’ claims. In 2004 and 2005, that number jumped to 49%!

These losses are some of the most complicated due to the numerous factors contributing to potential devastation that can damage your home in ways you are not aware of . Hidden damages are a vital part of the claim recovery process and if ignored or missed, can cost the insured hundreds and thousands of dollars in years to come.

Unfortunately, insurance companies are not monitored as closely by the state in the time following a disaster because of the overwhelming number of needs and responsibilities that must be met.
During these times, insurance companies do not have the man-power to deal with the immense amount of claims being filed. As a result, they typically conduct 3-day training programs for under qualified adjusters that will be turned out into communities and trusted to make thousand and million dollar decisions while representing the insurance company’s best interests.

These Catastrophe adjusters normally come from out-of-state and are unfamiliar with your states’ requirements. This combined with the fact that most of these “CAT” adjusters have no experience in recovering losses are potentially devastating to both home and business owners in their most desperate time of need.

In wind damage claims (predominantly caused by hurricanes) there will almost certainly be water damage that comes with it. One of the most difficult factors presiding over windstorm claims is in knowing how to separate the wind damage from the flood damage and determining any pre-existing conditions. Epic adjusters have been trained to recognize the difference and effectively separate the damages in order to maximize your recovery.

Two of the most intense and destructive hurricanes in history devastated the southern United States during the 2005 Hurricane Season. Together, Hurricanes Wilma and Katrina accumulated nearly $100 billion in estimated property damages.

Nearly as devastating as the storms themselves was the short time span between them. Many of EPIC’S clients were unable to receive settlements in time to make the necessary repairs to their homes before Wilma made landfall. The damaged homes were therefore more susceptible to further damage given their weakened state. This put a strain on the insurance industry causing substantial damage that needed immediate attention to tens of thousands of homes and businesses.

For multi-causation claims, UNDERSTANDING
the carrier's liability is KEY.

DID YOU KNOW? The cost of exterior painting is not included in most commercial policies. The majority of insurance companies will cover the costs to repair the damaged portions of a wall but will not pay to have the wall retextured or painted.

Multi-Causation Claims
A multi-causation claim is one that involves damage made by more than one covered peril. Each insurance company is responsible for the damages linked to each peril. It sounds simple but in these instances, claims are resolved on a case-by-case basis due to the difficulty in deciphering what damage should be paid for under which policy.

For Example: A home or business suffers both wind damage and flooding by a hurricane. You have both windstorm and flood insurance. At what point did the flooding end and wind damage begin? What happens when flooding saturates the ground and weakens your foundation and when combined with wind, your house collapses? Which policy covers the damages?

Windstorm with Flood
Proving Your Loss under Two Policies
These claims are some of the most difficult and frustrating to resolve. How do you prove your loss under each policy and how do you avoid the aggravation of dealing with two claims at once? As a company capable of successfully handling thousands of claims simultaneously, you can trust the experts at EPIC to accurately assess your damages and achieve the most equitable settlement for your loss.

We manage THOUSANDS OF CLAIMS with DETAIL and ACCURACY while maintaining PERSONAL ATTENTION to each client’s claim.

Click here to learn more about FLOOD DAMAGE claims.

“The insurance company’s proposed settlement was as shocking as the devastation to our home.”

“We expected conditions to be severe but were totally shocked to see the extent of the destruction...

“I received a full refund !”

“My home in Lauderhill was badly damaged by Hurricane Wilma in October of 2005.

“Thank You to the EPIC Team!”

“We really felt like we had an advocate working tirelessly on our behalf.

“EPIC proved we needed a new roof”

Our 110,000 square foot distribution center suffered catastrophic damage to the roof and our policy did not cover upgrades for building codes.

“We got ten times more than offered." Our loss occured in Hurricane Wilma in October of 2005. We had a full production print and graphics shop.
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