On Property Insurance Claim Tips Blog

Tropical Storm Elsa Preparation Pre and Post Storm Insurance Claim Tips

Tropical Storm Elsa Preparation Pre and Post Storm Insurance Claim Tips

As Tropical Storm Elsa approaches the Tampa Bay area residents need to take this storm seriously and prepare accordingly as the path continues to evolve. This type of storm can throw off tornado activity and pockets of heavy wind gusts. As a result, thousands of homeowners may be contacting their insurance company to file an insurance claim. Resources are likely to be stretched and frustration with claims will grow as our public insurance adjusters have seen with past storms. We want everyone to stay safe and also be in a condition to recover as best they can. Below are a few popular pre-storm claim tips that we always try to share with clients. Please feel free to pass them along. Bottom line – PREPARE NOW!

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Champlain Towers Collapse – A Public Adjuster’s View

Champlain Towers Collapse – A Public Adjuster’s View

As the Champlain Tower collapse unfolds, people must understand this is a very fluid situation. Now is not the time to be pointing fingers but instead supporting the victims' families and conducting a thorough and objective investigation. That being said, as a 45-year veteran of insurance adjusting in Florida, I have seen and been involved in all types of condo claims in Florida for decades. I concur, water is the cause or should I say the most frequent cause of all insurance losses. Water damage has and still is occurring and causing failures of building components particularly in ocean side concrete structures.

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Public Adjusters - The Policyholder's Champion

Public Adjusters - The Policyholder's Champion

We were so glad to be able to work with Tampa Bay Times seasoned reporter Philip Morgan to help educate the public regarding insurance claims and the value of having a public adjuster professionally manage the claim. Read here: The Policyholder's Champion in Tampa Bay

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The 2021 Florida Legislature Deja Vu, Insurance Reform Proposal- House Bill 305

The 2021 Florida Legislature Deja Vu, Insurance Reform Proposal- House Bill 305

So let me see if I have this right. Of course, I have this right! Déjà vu all over again. Within House Bill 305 there is language that not only treads on but stomps on the rights of two business entities which by the way are both licensed and pay fees to two branches of the Florida state government in order to conduct legal and necessary business. Why else would they be issued a license and required to mail fees to Tallahassee if they were not legal and necessary?

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A Tradition of Giving

A Tradition of Giving

So proud of our very own Florida Public Adjuster, Michael Platts who took time out of his busy holiday schedule to play Santa and deliver his yearly childrens' gifts to Metropolitan Ministries in Tampa. It's been a busy storm season for all of us this past year. We want everyone of our readers to have a safe and healthy holiday and look forward with hope to the new year.

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How the insurance appraisal process might play a role in your Hurricane Sally claims settlement

How the insurance appraisal process might play a role in your Hurricane Sally claims settlement

We’ve seen anecdotal evidence that some insurance companies as well as adjusters are already talking to policyholders about invoking the Appraisal Clause in their property insurance policy. While appraisal can play an important role in the insurance claim settlement process, it is not for everyone and policyholders need to understand both the costs and limitations. We have several certified appraisers on our staff and one of the first things we do when asked to represent a client is to review the suitability based on the claim facts. Here is a Q&A I did for the media after Hurricane Michael (and now Hurricane Sally) to help policyholders better understand property damage Appraisal.

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Insurance Claim Tips as Hurricane Eta Approaches Tampa Bay

Insurance Claim Tips as Hurricane Eta Approaches Tampa Bay

There is no escaping the property damage that Hurricane Eta will cause to the Tampa Bay region. This type of storm can throw off tornadic activity and pockets of heavy wind gusts. As a result, thousands of homeowners may be contacting their insurance company to file an insurance claim. Resources are likely to be stretched and frustration with claims will grow as our public insurance adjusters have seen with past storms. We want everyone to stay safe and also be in a condition to recover as best they can. If you experience property damage from Hurricane Eta, here are a few claim tips for filing your insurance claim that will make the process easier and possibly protect your claim from denial or other problems, especially if you have to evacuate.

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Hurricane Sally Mold Damage – Understand Your Insurance Claim Options

Hurricane Sally Mold Damage – Understand Your Insurance Claim Options

Policyholders who experienced any type of water intrusion from Hurricane Sally may experience mold infiltration. When claims are delayed and repairs put on hold, it can become a real problem because mold can grow unseen for months and create a serious health hazard. Coming to an agreement with your insurance company on how to deal with mold can create major disagreements due to the fact that certain “fixes” can be expensive. So make sure you understand all your options.

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Hurricane Sally Insurance Claim Settlement Checks – Check the Details and Watch What You Sign

Hurricane Sally Insurance Claim Settlement Checks – Check the Details and Watch What You Sign

Your home or business suffered damage during Hurricane Sally. You promptly filed a claim or had a public insurance adjuster document and file the claim for you. A check from the insurance company appears in the mail. Great! How easy could it be? But wait, there’s a catch! On the back of your check there is language that states you are releasing the insurance company from any further costs related to the claim.

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Hurricane Sally Insurance Claim Update – The Public Adjuster’s On-the-Ground Perspective

Hurricane Sally Insurance Claim Update – The Public Adjuster’s On-the-Ground Perspective

It’s been a little over a month since Hurricane Sally roared ashore. My fellow adjusters and I have seen some serious damage in the Pensacola area and we plan to be here for the long-haul. Many policyholders are just starting to receive their insurance checks in the mail and much to their surprise, the settlement checks received are grossly insufficient and barely cover a fraction of what the true cost of repairs will actually be. Some brave souls are trying to handle their own claim. We see this same scenario play out in every storm that we have worked over the years.

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