Are You Prepared for Hurricane Season?
Most homeowners wait until the storm hits to call a public adjuster. By then, damage documentation is scattered, deadlines have passed, and money is left on the table.
"Most homeowners wait for the storm to call a public adjuster. Smart homeowners have one ready before June 1."
Get our 7-Step Claim Readiness Checklist — free, no obligation. Walk through exactly what to do in the next 30 days.
Get Your Free Claim Readiness Review
Tell us a little about your property and we'll send the checklist right over.
Checklist on the Way!
Your Claim Readiness Checklist is being emailed to you now. A public adjuster will also reach out within 24 hours to discuss your property.
Everything Property Owners Should Do Before June 1
Most of these steps take under an hour. The one you skip is the one that'll cost you the most after a storm.
Document Your Property Inside & Out
Walk your property with a phone camera before May 31. Photograph every room, the roof from ground level, your HVAC system, windows, and any existing wear. Video is even better — a 2-minute walkthrough takes 10 minutes to shoot and 10 minutes to save.
Review Your Insurance Policy
Read it cover to cover before June 1. Know what's covered, what's excluded, and what the policy actually says about hurricane damage vs. flood damage. Your adjuster will ask you questions — you should know the answers first.
Know Your Deductible
The number that comes out of your pocket first. For hurricanes, some policies have separate wind vs. hurricane deductibles. Know the dollar amount and percentage options before you're on the phone with an adjuster after a storm.
Photograph & Inventory All Valuables
Serial numbers matter. Electronics, appliances, jewelry, furniture — photograph everything with timestamps. Keep the inventory list in a cloud folder or safe deposit box. The more documentation you have, the more the carrier has to match.
Hire a Public Adjuster Before June 1
This is the step most people skip and regret. After a storm, adjusters are booked for months. Getting one in your corner before the hurricane means they know your property before damage happens. They're already working for you when the roof comes off.
Store Documents in a Waterproof Safe Place
Policy documents, photos and videos, inventory lists, receipts, and contact information — physical or digital backup that survives a flood. Keep copies at an off-site location or cloud storage. Paper documents in a flooded home are useless.
Create a Home Inventory Now
Room by room. The serial number and purchase price of every major item. This is the single biggest driver of settlement increases — a complete inventory proves what you owned, what it was worth, and what the storm destroyed. An adjuster can use this to push back on any lowball offer.
Homeowners who were glad they called before the storm
"We called CARE two weeks before Hurricane Ian made landfall. They documented every inch of our property. When the storm hit, they were on-site within 48 hours. Insurance company tried to offer $18,000. CARE got us $74,000. The pre-storm documentation made all the difference."
"After Beryl, my insurance adjuster came out and said most damage was 'pre-existing.' CARE brought in their own documentation and challenged every single denial. Took 3 months but we recovered everything. Never would have gotten there on my own."
carrier's initial offer
hurricane claims filed
get paid when you do
Don't Wait Until the Storm Hits.
The best time to hire a public adjuster is before June 1 — when they can document your property in its pre-storm condition and be ready the moment something happens. We're covering FL, TX, UT, NV, OK, CO, ID, and IL.
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