Dealing with the aftermath of a disaster is every homeowner’s worst nightmare. Everyone hopes that they’ll be spared, but each year, tens of thousands of Florida homeowners find that their properties were in Mother Nature’s crosshairs. As a Florida homeowner, your home is at risk from a wide range of disasters, including: Wildfires Flooding Wind Storm surge Sinkholes Hurricanes Tornadoes Understanding the process to follow for settling a homeowner’s insurance claim is important. Chances are good that you’ve never had to deal with this type of situation before, so let’s explain what you need to do and what to watch for. First, make sure that you and your family are safe and that it’s safe to stay in your home after the disaster. Taking care of your loved ones and safeguarding your family and pets is your top priority. If your home is not safe to stay in, go elsewhere. Second, contact your insurer and begin the claim process. You’ll need to provide the company with basic information – your policy number, name, contact information, etc. – so have that handy. Next, the insurer will dispatch an adjuster to your home to assess the damage. The adjuster will inspect your home, take pictures, write down information, and speak with you about the situation. Once the adjuster has done their work, the insurer will assess the claim and decide how much money to award you based on your coverage and the severity of the damage. However, understand that the claim adjuster works for the insurer, not for you. That means they have the company’s best interests at heart and that there’s a very good chance you won’t get the full amount you’re due. Make sure to hire a residential public insurance claims adjuster to hold your insurer accountable and ensure that you’re receiving a fair settlement with your claim.