Florida Disaster Assistance

Disaster Victims

Whether you’re the victim of an ice storm, hurricane, wildfire, earthquake, mudslide, tornado, windstorm, hailstorm, flood, or another calamity, you are most likely going through a period of stress, disbelief, and uncertainty. Other emotions are sure to follow including sorrow and grief, guilt, frustration, and even gratitude that you’ve managed to survive despite your losses. In addition to the emotional roller coaster, exhaustion, and damages to your property, you may even have physical injuries or may be suffering a loss of income as a result of the catastrophe.

Here at W.S. Cook & Associates, we understand what you’re going through. We also understand that the stress is just beginning. After all, you have an insurance claim to file. We can help you recover your insurance losses by offering practical advice and assistance every step of the way. In fact, we will do everything in our power to maximize your insurance claim.

Immediately after a catastrophe, most homeowners are relatively happy with their insurance companies. A friendly insurance adjuster arrives, reassuring you that you’ll be taken care of. You have paid your insurance premiums year after year and take comfort in knowing that, despite your losses, everything will be okay. But will it?

The insurance process moves both quickly as well as painfully slow. The insurance adjuster may bring in a contractor right away to haul away salvageable items for restoration. However, did you read the fine print or sign away your rights? When you’re in shock, it’s tempting to nod your head and agree to whatever the insurance company wants. If you signed an authorization, you likely authorized the contractor to perform the work and receive payment from your insurance company directly. While this gets the job done eventually, it completely bypasses you and your wishes. You no longer have a say in how your property will be restored.

Your insurance policy is loaded with exclusions, depreciation, filing deadlines, and coinsurance penalties, all of which affect the outcome of your insurance claim. Understanding these insurance policy details is vital to ensure that you get all of the money that you are entitled to under your policy. However, unless you want to become an insurance claims expert or study insurance law, you are at the mercy of your insurance company. We offer a better way. As public adjusters, we are experts in insurance law and the insurance claims process – and we represent your interests!

By hiring W.S. Cook & Associates, you have an entire team of public adjusters working for your best interests. We can handle all of the details and we are on your side. We don’t get paid unless you get paid, so we work hard to ensure that you get every penny that you are entitled to. For example, our fee is a small percentage of your insurance settlement and we are paid by you – after you have received your insurance settlement check. We work for YOU, not your insurance company.

Yes, your insurance adjuster will help you recover from a catastrophe but you may not get everything that you are entitled to receive. By hiring a public insurance adjuster, you have an insurance expert on your side, working to represent your best interests.