What Policyholder Advocacy Group does after Hurricane Isaias
After a storm, your carrier starts building its file right away. We build yours. Policyholder Advocacy Group inspects your property, documents the full loss, prices it, and presents the claim to the carrier under the terms and conditions of your policy. You get one team on your side of the table from the first visit to the final payment.
Request a Free Hurricane Inspection or call 800.511.2240.
Nearly 55,000 Hurricane Isaias claims filed statewide
Nearly 8,500 closed without a payment, against just over 3,500 closed with one
About 43,000 were still open weeks after the storm
What we do, in order
- Inspect. We walk the whole property on a Free 21-Point Storm Inspection and find damage the carrier's visit can walk past.
- Document. Photos, measurements, and a room-by-room and system-by-system record tie every item to a location.
- Estimate. We build a detailed repair scope and price what it actually costs to repair, restore, or rebuild.
- File and present. We prepare the claim forms and documentation and present the claim to the carrier on time and in order.
- Meet the carrier. We meet the carrier's adjuster at your property and walk the damage with your file in hand.
- Push back on a light scope. When the carrier's number comes in light, we supplement with evidence, line by line.
- Escalate when needed. Appraisal and mediation are tools we use when negotiation stalls. We tell you when they fit and when they do not.
- Close with a full accounting. You see what was claimed, what was paid, and what remains open.
What that work covers
- Building damage, residential and commercial
- Personal and business contents inventories
- Business interruption and loss of rents
- Loss of use and additional living expenses
- Code-required work triggered by repairs
- Expert support when a claim needs it, including engineers and contractors
Where your claim stands right now
Not filed yet
We inspect and document before you decide how to proceed.
Filed and underpaid
We compare the carrier's scope with the damage actually at the property and present the difference with evidence.
Denied, or below the deductible
A denial or a below-deductible answer often rests on a light scope. We document the full loss so the number is argued from evidence.
Why Policyholder Advocacy Group
The carrier's adjuster represents the carrier. A public adjuster represents the policyholder. Policyholder Advocacy Group has represented Florida policyholders since 2012, and Nathan Sheppard has worked insurance claims for 17 years. On cost: for residential claims, Florida caps the fee at 10% during the first year after a state of emergency declaration. Commercial claims are not under that cap. Our fee is a percentage of what we recover, and if we recover nothing, you pay nothing. Without representation, many owners walk away with far less or nothing at all.
Start with the inspection
The inspection is free, and there is no obligation to hire us afterward. We document the damage and tell you plainly where you stand. Call 800.511.2240 or request your free hurricane inspection.