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Homeowners’ Insurance Remains High in South Florida Despite No Recent Hurricanes

Written by admin on January 5, 2016 at 2:14 PM.

The end of the 2015 Atlantic hurricane season last November, which continued a general trend of below average storm activity, marked ten years without a major storm hitting South Florida. Now, if there has been no recent source of major storm damage in the area, why does it seem that the premiums for homeowners insurance continue to increase? Insurance companies are pointing to the rising costs of building materials to explain why rates aren’t falling due to the improvements in natural disaster damage, but not everyone is buying this excuse.

South Florida’s history with big storms is well-known for causing havoc for property owners. The severity of storms in the past have caused insurance companies to take taxing measures towards coverage and policies, although, the last hurricane to hit Florida was Wilma in 2005. Regardless, it is extremely important, as a property owner, that you connect with a professional public adjuster here at Stellar Public Adjusting to gain a clear understanding about your insurance coverage for hurricane damage claims.

Do not let the recent lull in storm activity fool you. The potential damage of a hurricane can not be trivialized. In fact, hurricanes by definition are powerful and are able to cause serious water damage, mold damage, flood damage and structural damage.

“Just because we’ve had a good string of luck doesn’t mean it’s going to continue the next year,” said Michael Brennan, a senior hurricane specialist at the National Hurricane Center, in an article for the Miami Herald. “We’ve been exceptionally lucky for a long period of time. But you can’t count on that to continue.”

So, even though a major storm hasn’t hit Florida in over ten years, you should contact Stellar Public Adjusting today to make sure you are covered in case disaster strikes…Because the cost of doing nothing could be catastrophic!

What Clients Are Saying About Us

I have full confidence in the team at Stellar and do not recommend that anyone file an insurance claim without them.

The insurance company is not on your side and they are not a good neighbor.

Stellar is on your side and they are in the neighborhood. Call them immediately when damage happens.

Marc C., Miami, FL

David has done multiple claims for our real estate company, as well as for myself and friends. Always exceeds expectations. Highly reliable, and completely on top of his game. Highly recommended.

Yossi K., Brooklyn, NY

Glad I hired them. Stellar Public Adjusting assisted in my water damage claim in my condo from my neighbors pipe. They really know there stuff when it comes to claims. They obtained way more than my insurance company initially offered. A very professional company.

Nicholas P., Miami Beach, FL

Worked with Stellar on a project involving a kitchen flood. They were always there to help & answer all the questions I had - and they reached a fair settlement with my insurance for me. I probably wouldn't have gotten half of what I did without them! I'd easily recommend them to anyone needing a Public Adjuster.

Philip O.

HIGHLY recommend Stellar Public Adjusting! Meticulously and professionally handled our claim, and stood by our side throughout the entire process! Thank you!


Friendly staff and work really hard to get what you deserve. I appreciate everything they did for me. Thank you again.

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