On Property Insurance Claim Tips Blog

The Florida Legislature Debates Umpires and Appraisers…This is Not Baseball Spring Training

The Florida Legislature Debates Umpires and Appraisers…This is Not Baseball Spring Training

With the advance of technology and a little advance notice, you can watch your Florida Legislature at work, commercial free via live streaming on your computer or mobile device. Folks, unless you want to testify at a committee meeting you can forget the long drive or airplane flight to Florida’s hither land aka Tallahassee, Florida. All you need is the committee meeting schedule and click the link to watch your favored or disfavored proposed legislation being debated or voted on. Of course this also comes with the ability to hear your elected officials ask questions and comment on the topic being addressed. Believe me, this is at times interesting stuff.

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Florida Property Insurance Legislative Wrap 2015 - We made it through another year unscathed or did we?

Florida Property Insurance Legislative Wrap 2015 - We made it through another year unscathed or did we?
It may be no surprise that not a lot of bills were filed in this year’s legislative session to correct any real or imagined property insurance crises and those that were, died in various committees.   After all, we are fast approaching a decade of no major hurricane strikes that some are saying is a record going back over hundred years! The sitting duck we were supposed to be is looking more like a stuffed bird hung on the wall. Yes, I know it only takes one, but let’s hope the good times continue to roll. There is too much at stake to see Florida or any of our coastal neighbors hit with the big one in this year’s 2015 Atlantic hurricane season just as we are in full recovery mode from the great recession.Read More

Connecting the dots on what might have happened to property insurance appraisal and those acting as appraisers in Florida

But first some background.  Steve Scott is a Gainesville, Florida attorney I have known for a number of years, which goes back to our first meeting when he called me to help him with a fire loss in his home. Following the successful adjustment and settlement of his claim, Steve and I became friends and that relationship has evolved over the years to the point that I get calls or emails from Steve on issues he has or claims his clients need help on. He’s a smart guy, has some strong opinions and will get your brain going! So I thoroughly enjoy our discussions.  What started our most recent conversation and debate was an email I received from Steve asking my opinion on a Florida Third District Court of appeals case Dynamic Public Adjusters vs. Henry Rodriguez  he had just read. This case came out in late November and was a turkey that was served cold to one side as you will read. Read More

Policyholder Question: How long does an umpire have to make a decision?

First a little background, an umpire in the insurance property world has nothing to do with baseball except that a baseball umpire and an umpire in a property insurance dispute have one thing in common--both have to make a decision. The baseball umpire will have to make a decision quickly, where as an umpire in the appraisal dispute resolution forum should take as much time as needed to make a decision based on all the facts. A good umpire will thoroughly review of all the materials provided to him or her by the two appraisers (representing each side of the dispute) who agreed to his or her appointment. This can and often should include a visit to the loss site (if the property in question is still standing) along with the two appraisers and the policyholder if they want to understand the opinions as to why the initial adjustment was wrong.

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Policyholder Question: Water Damage Claim and the Restoration Company’s Cleanup Bill, Who Pays & How Do You Get It Paid?

Q. I had water damage in my house due to an over flowing toilet. My insurance company said it would pay $8,000 to the restoration company that did the clean-up. The problem is that the restoration company who did the water extraction sent me a bill for $36,000. The insurance company sent me a check for $8,050.  Should I mediate or go the appraisal route?Read More

Insurance Appraisals and Lawyers - A Little History Lesson

At Citizens, lawyers win, public loses” was the Tampa Bay Times featured editorial headline on Friday, September 27, 2013. This followed an earlier article in the Times “Citizens racks up millions in attorney’s fees and it denies claims” exposing the astronomical legal fees that have been paid to both plaintiff lawyers (policyholders advocates) and defense lawyers who represent the insurance companies.Read More