On Property Insurance Claim Tips Blog

Pittsburgh Apartment Owner Receives Low-Ball Repair Estimate for Fire Damage

Pittsburgh Apartment Owner Receives Low-Ball Repair Estimate for Fire Damage

We want to thank Pittsburgh Public Adjuster Zach Flora for contributing the following success story.

A real estate owner of multiple properties experienced a 3 alarm fire at one of their apartment buildings located in the Hill District area of Pittsburgh on November 2016.  The building suffered significant fire, water and smoke damage. Upon reporting the loss to its insurance carrier, multiple adjusters were sent out to inspect the loss and the insurance company immediately assigned an outside company specializing in large losses to handle the claim.  This adjuster prepared a repair estimate that (in the opinion of the apartment owner) did not cover the cost to cover the value of the building and the hidden structural damages that were apparent. It became obvious that the repair estimate ignored parts of the building not directly affected by the fire, but were still subjected to massive amounts of smoke and water damage.

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Policyholder Question - Can my property insurance company take back claim settlement?

Policyholder Question - Can my property insurance company take back claim settlement?

The following is an insurance claim question we answered for a policyholder through the United Policyholders Ask an Expert Forum.

Q. We had a dishwasher leak into my cabinets and on my engineered hardwood floors. A claim was filed. Independent adjuster came out. When I got my estimates done they came out higher. Insurance already sent a check to us for 45kand repairs are at 65k. Now they want to send out a staff adjuster. My question is can they take money back if their staff adjuster doesn't come out with the same figures when they've already sent payment and notice? We did well on our first adjustment but I am worried that the second adjuster might not be as much in my favor.

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Policyholder Question – Why is my insurance carrier claiming non-recoverable depreciation?

Policyholder Question – Why is my insurance carrier claiming non-recoverable depreciation?

The following is an insurance claim question we answered for a policyholder through the United Policyholders Ask an Expert Forum.

Q. In my original claim, my insurance company said that my 98 year old mother had replacement coverage. We've gone through her contents and submitted a statement of loss. In our findings, most of her contents were 40, 50 or even 100+ year old collectables. In the subsequent settlement, the insurance company increased their payout; however, they now claimed over $30k of items under "non-recoverable" depreciation. How do you verify what is or what is not recoverable under this clause? The policy documents are very vague, tough to read even when you can find them.

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Policyholder Question – Challenging a Restoration Bill After a Fire

Policyholder Question – Challenging a Restoration Bill After a Fire

Q. We had a fire in our split-level duplex. The downstairs unit was a complete loss and the upstairs had smoke damage. Upon further inspection, the entire structure had to be brought up to code which totaled out the loss. The insurance company brought in a remediation company which still has a $4,000 bill outstanding for cleaning up the structure. Two builders say the structure should've been totaled immediately without any attempt for structural remediation. What are our options to challenge the remediation company's bill and claims?

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Reviewing the Insurance Policy for Sarasota, Florida Policyholder Results in a Favorable Claim Settlement

Reviewing the Insurance Policy for Sarasota, Florida Policyholder Results in a Favorable Claim Settlement

Some months back I received a call from a physician who was referred to me by an engineering firm we had worked with on a large project in Longboat Key, Florida that resulted in a multi-million dollar settlement. Not only was the client pleased with our work, but their engineer apparently was equally impressed given the kind words he shared with this physician about our work and the results we were able to achieve with previous claim. During my initial discussion with the physician on the phone, I told him it was unlikely we could prevail on his insurance claim based on the damages he described to me. The insurance industry had changed most policies to take away coverage that was previously available for what sounded to me like a collapse claim.  

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Policyholder Question – Is Executor Entitled to Insurance Settlement from Hurricane Matthew?

Policyholder Question – Is Executor Entitled to Insurance Settlement from Hurricane Matthew?

The following is an insurance claim question we answered for a policyholder through the United Policyholders Ask an Expert Forum.

Q. I have been the legal guardian for my mother-in-law. She has recently passed away and I am the PR for her estate, approved and documented by the local courts. I also don't live here full time, but I've had to be here regularly for several years in order to maintain the property which is an asset of the estate. Now I am undertaking the remediation and reconstruction after damage from Hurricane Matthew. Am I entitled to all that the owner would be, such as ALE, etc?

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Hurricane Matthew Policyholder Question – Out of town policyholder filing a claim for a vacation home

Hurricane Matthew Policyholder Question – Out of town policyholder filing a claim for a vacation home
Q. I have a vacation home near Daytona Beach that was damaged by Hurricane Matthew. Because I am in Kentucky, do I need to physically see the damage myself before calling my insurance company or can I go from pictures of my home from my neighbors?

A. If you have photos that show damages from Hurricane Matthew to your insured property, by all means report the loss to your insurance carrier as soon as possible. I would suggest you email the photos to the claim office.....click to read the rest of the answer.  

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Policyholder Question – Refusal to Pay Insurance Claim and Withholding Appraisal Award Check

Policyholder Question – Refusal to Pay Insurance Claim and Withholding Appraisal Award Check

The following is an insurance claim question we answered for a policyholder through the United Policyholders Ask an Expert Forum

Q. I live in Florida and have had an extensive water damage/mold claim that I hired a public adjuster to handle. The insurance company invoked appraisal and the out-of-state umpire determined that mold was accountable for $15,000 of damage although our mold remediation bill totaled $9,500 (we have a mold cap of $10,000 per claim). Secondly, the bathroom tile floor was damaged during remediation and was included as part of the umpire's award. However, the insurance company is refusing to pay the $4,300 floor tile repair portion of the award stating that I must abrogate against the mold remediation company to recoup that loss. Third, my public adjuster is holding the check issued by the insurance company hostage, insisting that I pay his fee prior to endorsing it over to the mortgage company. Please help!.....click to see answer.

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Fire Claim Settled for 200% Above Initial Insurance Company Offer

Fire Claim Settled for 200% Above Initial Insurance Company Offer
This was a great day for this highly decorated Vietnam War Veteran and his wonderful wife. A recipient of a Purple Heart and 2 Bronze Stars with Valor, this couple tragically lost their home to fire 9-months ago. After receiving insufficient offers to settle their claim and months of delay, we were finally able to negotiate a 200% increase over and above the insurance company's initial offer. And to think that the insurance company adjuster discouraged them from hiring a public adjuster! Read More

Public Adjuster’s Coordinated Efforts Increase Commercial Fire Insurance Claim Settlement by 650%

Public Adjuster’s Coordinated Efforts Increase Commercial Fire Insurance Claim Settlement by 650%
Periodically, we like to highlight a property claim we’ve handled based on something new we’ve learned, alert readers of important insurance claim issues or just to show the value public adjusters can bring to the claims process. This was a particularly satisfying claim. Not only for the settlement amount we were able to achieve but because it helped improve the client’s perception of the value of public adjusters as you will see by the note at the end of this article.Read More