On Property Insurance Claim Tips Blog

The Dreaded “S” Word – Sewage Backup Insurance Claims

The Dreaded “S” Word – Sewage Backup Insurance Claims

Sewage backup is damage public adjusters deal with more than I would like to admit. Without going into a lot of detail regarding the legal cases, (depending on the wording of the policy in question) if the backup is on the insured side of the property line or actually in a plumbing pipe on the premises, coverage for these losses should be covered under an all risk policy. Why all the litigation and confusion in the first place?  It would seem pretty basic that these losses would be covered as they clearly meet the insurance test of a sudden, accidental and an unintended event. A recent media story Home Flooded With Neighbors Sewage During Irma, regarding a client we represented highlights the problem.

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Is Hurricane Irma Boat Dock Damage a Covered Insurance Claim?

Is Hurricane Irma Boat Dock Damage a Covered Insurance Claim?

We are getting a number of inquiries from policyholders regarding damages to docks, piers and other manmade structures built over or close to the water as a result of Hurricane Irma.  Based on personal observations, Hurricane Irma caused unprecedented damage to coastal area structures from wind, water and in some cases, collapse and subsidence which were holding up seawalls and bulkheads. So what’s deal?  Are the docks, piers, seawalls, etc., covered by property insurance policies? 

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Additional Living Expenses Explained for Policyholders Displaced by Hurricane Irma Storm Damage

Additional Living Expenses Explained for Policyholders Displaced by Hurricane Irma Storm Damage

If your Florida home was severely damaged by Hurricane Irma to the extent that it is uninhabitable to live in, your insurance policy may provide a coverage called “Additional Living Expense” or “A.L.E.” if it is a covered loss. Under the Additional Living Expense coverage, you and your family may be entitled to rent another home of the same size, like kind and quality as well as be reimbursed for any extra expenses you incur such as food and temporary lodging.

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Big Money Losses and the 50% Rule. Law & Ordinance Explained

Big Money Losses and the 50% Rule.  Law & Ordinance Explained

Almost two months into the 2017 hurricane season, most of the pundits have upgraded the likely number of tropical storms we can expect in the Atlantic basin this year. Of course, these experts can never tell us when and where the storms will impact a particular geographic area, but what we all can do is prepare as best we can based on the location of the property at risk. Just as the mantra for successful real estate investment is location, location, location the same applies in a disaster recovery plan. Know your location, the risk you are exposed to and understand the exposure you are facing.

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Hurricane Disaster Planning 2017 - Suggestions from an insurance claim expert

Hurricane Disaster Planning 2017 - Suggestions from an insurance claim expert

“Recovery from a hurricane is a difficult, long term process,” says Craig Fugate, former FEMA National Emergency Management Director. Listening to all the pundits talk and write about  2017 hurricane disaster planning, I was reminded about the former big Wall Street brokerage firm, E. F. Hutton and their tag line that ran with commercials some years ago. It went like this, “When E. F. Hutton talks, people listen.”

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Recap - Windstorm Insurance Network Conference 2017

Recap - Windstorm Insurance Network Conference 2017

After each Wind Conference I am always amazed at the attendance level, value and depth of knowledge brought by the professionals drawn to this annual event. This year was no exception. There is an old saying that 90% of success is just showing up. That old saying certainty applies to the 18th Annual Windstorm Insurance Network Conference.

The last attendance number I heard was that over 1,065 professionals from all over the United States traveled to Orlando, Florida to learn, network, and yes, do a little partying after hours. Make no mistake about it; the folks who taught and those who attended the various workshops are the movers and shakers in the property insurance claims industry. These are folks who for the most part control the claim process and ultimately the money that will be paid out to policyholders when a covered Wind Cat wind loss occurs.

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Hurricane Hermine Property Insurance Claim Tips Blog Garners Big Response

Hurricane Hermine Property Insurance Claim Tips Blog Garners Big Response
WOW! What an impressive response to our most recent public adjuster blog , offering property owners with storm damage from Hurricane Hermine our advice on handling the claim related issues. It shattered all previous records on reader response and views. Two things come to mind.  People are looking for tips to deal with their claim process or they are just looking since it’s been so long since the last storm hit Florida and more specifically the Gulf Coast. My guess it’s a little of both, but I know there are claim issues out there from flood, wind, and the worst…massive sewer and black water backup problems. The calls are coming in and our public adjusters are staying busy, so my guess is that this will be a long sloth before there light at the end of the tunnel.Read More

Hurricane Hermine Insurance Claims – Approach Your Storm Damage with Some Common Sense

Hurricane Hermine Insurance Claims – Approach Your Storm Damage with Some Common Sense
As the saying goes in the sports fishing world when the big one is hooked, “FISH ON!” After 10 years of no hurricane landfalls, Florida experienced first a tropical storm, which was later upgraded to Cat 1 Hurricane Hermine. I feel very bad for all the folks affected in this State from Hurricane Hermine. From the media reports, this storm caused misery to a lot of Floridians along the Gulf Coast from Sarasota, Tampa Bay, all the way up the west coast to the big bend area and westward to Tallahassee. Flooding was as bad or worse than the wind in many locations but in combination, they likely did a number on property owners.  And if property damage wasn’t enough, the loss of power added misery to the mix. Read More

Additional Living Expenses Explained for Policyholders with Storm Damage from Hermine

Additional Living Expenses Explained for Policyholders with Storm Damage from Hermine
If your Florida home was severely damaged from Hurricane Hermine to the extent that it is uninhabitable to live in, your insurance policy may provide a coverage called “Additional Living Expense” or “A.L.E.” Under the Additional Living Expense coverage, you and your family may be entitled to rent another home of the same size, like kind and quality as well as be reimbursed for any extra expenses you may incur such as food and temporary lodging.Read More

Hurricane Season 2016 – Increased Threat Forecast

Hurricane Season 2016 – Increased Threat Forecast

If not here, then where? Not to be an alarmist but I assume most folks who pay attention to the weather folks as well as the local and national news likely would not have missed the most recent update from NOAA on their forecast for the balance of this year’s hurricane season. Yes, the tropical storms count just went up, as it seems a number of factors that are monitored and used to help weather experts calculate risk exposure from tropical storms are causing concerns in that the balance of this season will be more active in terms of tropical storms as well as the potential for one or more major hurricanes. All this begs the question: Will landfall occur causing damages not seen in Florida since 2005?

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