Storm One Claims Public Adjusters

04/21/2026

When a disaster strikes, most homeowners focus on the structure of their house—the roof, the walls, and the floors. But it’s the personal contents inside those walls that often make up a massive portion of your claim’s value.

Documenting your life’s belongings while you’re stressed is incredibly difficult. Here is how to create a "bulletproof" contents list for your insurance carrier.

📸 The "Walk-Through" Method
If you still have access to your home, do a video walk-through of every single room.
Open every drawer and closet.
Don’t forget the garage and attic.
Narrate as you go: "This is a 2024 Samsung 65-inch OLED TV," or "These are designer leather boots."

📝 The 4-Point Rule for High-Value Items
For electronics, appliances, and luxury goods, try to gather these four details:
Brand & Model Number
Approximate Date of Purchase
Estimated Replacement Cost (what it would cost to buy it NEW today)
Proof of Ownership (receipts, bank statements, or even old photos of the item in your house)

🧺 Don't Forget the "Small Stuff"
People often skip the "little things," but they add up fast. Think about:
The Kitchen: Spices, small appliances, and cutlery.
The Bathroom: Skincare, perfumes, and styling tools.
The Closet: Don't just list "clothes"—break it down by suits, winter coats, and shoes.

⚠️ A Critical Warning
Never throw anything away until it has been documented and seen by an adjuster. Even if it’s smoke-damaged, water-logged, or smells like mold, that physical item is your primary evidence. If it’s in the landfill, it’s much harder to get paid for it.
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If you're staring at a mountain of damaged belongings and don't know where to start, we can help you turn that chaos into a professional inventory list.
📞 941-882-3482

04/14/2026

After the storm passes, the clock starts ticking. One of the most critical—and often misunderstood—parts of your insurance policy is the duty to mitigate.

Simply put: You are required to take reasonable steps to prevent further damage to your property. But there is a right way and a wrong way to do it.

🛠️ The Golden Rule: Temporary, Not Permanent
While it’s tempting to start rebuilding immediately, jumping into permanent repairs too soon can jeopardize your entire claim. Here is the breakdown:

✅ DO: Make Temporary Fixes
+Tarp the Roof: Stop active leaks from ruining your ceilings and flooring.
+Board Up Windows: Prevent rain, debris, or unauthorized entry.
+Water Extraction: Dry out carpets or drywall to prevent mold growth.
+Cover Belongings: Use plastic sheeting to protect furniture and electronics.

❌ DON'T: Make Permanent Repairs (Yet)
+Don't Replace the Roof: Putting on a brand-new roof before the adjuster sees the damage can lead to a claim denial.
+Don't Throw Away Damaged Items: Keep everything (even the soaked drywall or ruined furniture) as evidence until it is documented.
+Don't Structural Rebuild: Avoid any "final" construction until you have an agreed-upon scope of work with your insurance company.

Call Storm One Claims for your next Hurricane claim and we would be more than happy to walk you through this.
📞 941-882-3482

04/07/2026

The National Hurricane Center (NHC) just announced major updates for the 2026 Hurricane Season, and the way we track storms is officially changing. Whether you’re on the coast or further inland, these tools are designed to keep us better prepared.

Here is what’s new for this year:

🗺️ The "Cone of Uncertainty" Gets an Upgrade
The famous forecast cone is going from experimental to operational. Starting this year, the cone will now include:

Inland Watches & Warnings: You’ll see color-coded alerts for inland areas directly on the cone graphic, not just coastal regions.

A Slimmer Profile: Thanks to improved forecasting accuracy, the cone is actually 4–8% smaller than last year. A narrower cone means more confidence in the storm’s path!

Other product enhancements include Hawaii Storm Surge Watches & Warnings

03/31/2026

⭐⭐⭐⭐⭐
The staff were very kind, courteous and supportive.They provide guidance and assistance throughout the entire process when our home owners insurance denied our claim amount and did not want to pay us a decent amount to cover our property damage.After several months of fighting with our insurance company they advocated on our behalf and provide recommendations for litigation and connected us with reputable attorney when they were no longer able to assist. A year later we received our insurance amount and was able to fix the damages to our home .We recommend to everyone with property damage and would use their service again, God forbid be have to file claim again .THANK YOU Storm One for all your help !!!!

Thank you for your kind words and we are glad we could help you recover! 😊

03/22/2026

🌩️ Hail Season is Coming: Is Your Florida Home Ready?
When we think of Florida weather, we think of sun and hurricanes—but Hail Season is officially right around the corner. Even small hailstones can compromise the integrity of your roof, often leaving damage that isn’t visible from the ground.

Don’t wait for a leak to find out you have a problem! Here is how you can prepare:
🛠️ 1. Document Your "Before"
Take clear, date-stamped photos of your roof, siding, and windows today. Having a "pre-storm" baseline is the most powerful tool you have if you ever need to file an insurance claim.
🚗 2. Plan Your Shelter
Hail can shred screens and dent vehicles in seconds. Ensure your garage is cleared out or you have heavy-duty car covers ready to go.
🌳 3. Trim the Overhang
Dead branches become projectiles in a storm. Trim back any limbs hovering over your home to prevent secondary impact damage.
📄 4. Review Your Policy
Not all policies handle hail the same way. Do you have a "Cosmetic Damage Exclusion"? Now is the time to check your "Declarations Page" so there are no surprises later.

If you find yourself needing representation with your hail claim, call Storm One Claims and we will be more than happy to represent you. 📞 941-882-3482

03/18/2026

⭐⭐⭐⭐⭐
We successfully employed the assistance of Storm One following the destruction of hurricane Milton here in Redington Shores. They were thorough, efficient and great with communication. Our award was multiple times our original claim, so needless to say we are very pleased.

Thank you for the kind words and 5 star review 😃

03/15/2026

⚡️ Don’t Get Left in the Dark: Generator Safety & Your Insurance
When the grid goes down, a generator is a lifesaver. But did you know that improper generator use is one of the leading causes of denied fire and liability claims during storm season?

As Public Adjusters, we see the aftermath of storms every day. We want you to stay powered up and protected. Here is what you need to know before you pull that starter cord:
+ Never "Backfeed" Your House: Plugging your generator into a wall outlet is illegal in many areas and incredibly dangerous. It can cause a fire or electrocute utility workers. If you want to power your whole home, have a licensed electrician install a transfer switch.
+ Keep it Outdoors: Carbon monoxide is the silent killer. Keep your generator at least 20 feet away from windows, doors, and vents.
+ No Fueling While Hot: Let the engine cool down before refilling. A spill on a hot muffler can result in an instant total-loss fire claim.

Is your backup power plan up to code? Better to check now than to find out during a blackout!

03/14/2026

⭐⭐⭐⭐⭐
The staff were very kind, courteous and supportive. They provide guidance and assistance throughout the entire process when our home owners insurance denied our claim amount and did not want to pay us a decent amount to cover our property damage. After several months of fighting with our insurance company they advocated on our behalf and provide recommendations for litigation and connected us with reputable attorney when they were no longer able to assist. A year later we received our insurance amount and was able to fix the damages to our home .We recommend to everyone with property damage and would use their service again, God forbid be have to file claim again .THANK YOU Storm One for all your help !!!!

Thank you Robea for the kind words and 5 star review 😁

03/11/2026

🏠 Your Roof is Your First Line of Defense. Is it Ready?
When a hurricane hits, your roof is the only thing standing between your family and the elements. But here’s the reality: Small, hidden issues today become major insurance headaches tomorrow.

If your roof has existing wear and tear, insurance companies may use "pre-existing damage" or "lack of maintenance" as a reason to deny your claim after a storm.

Why a Pre-Storm Inspection is Non-Negotiable:
+ Identify "Silent" Leaks: Small drips in the attic can lead to structural rot that causes a roof to fail under high winds.
+ Secure Loose Shingles: A single loose shingle acts like a "lift tab" for the wind, allowing the storm to peel back your entire roof like a sardine can.
+ Establish a Baseline: Having photos and a professional report before the storm proves the condition of your home, making it much harder for insurance companies to lowball your settlement.
+ Clear the Debris: Clogged gutters cause water to back up under your shingles. Keeping them clear is a simple way to prevent interior water damage.

Don’t let a "denied" letter be your second disaster.

03/09/2026

🌀 Is Your Policy Ready for the Storm?
The best time to prepare for a hurricane isn’t when the sirens start—it’s now. Before the clouds roll in, taking a few proactive steps can make the difference between a smooth recovery and a claims nightmare.

Here’s your pre-storm checklist to ensure you're protected:
+ Audit Your Policy: Do you have "Replacement Cost" or "Actual Cash Value"? Is your deductible a flat fee or a percentage of your home’s value?
+ The "Digital Walkthrough": Take 10 minutes to film a video of every room in your house. Open drawers, show electronics, and don't forget the garage!
+ Verify Your Coverage: Standard policies often exclude flood or backup of sewers/drains. Make sure you aren't leaving a massive gap in your protection.
+ Update Your Contacts: Save your insurance carrier’s claim line and a trusted public adjuster’s number in your phone now.

Don’t wait for the adjuster sent by the insurance company to tell you what your damage is worth. Their job is to protect the company's bottom line; our job is to protect yours.

Stay safe, stay prepared.