On Property Insurance Claim Tips Blog

Chattanooga tornado victims are entitled to Additional Living Expenses from their insurer

Chattanooga tornado victims are entitled to Additional Living Expenses from their insurer

If your home was destroyed or severely damaged from the Chattanooga area tornadoes to the extent that it is uninhabitable for you or your family to live, your insurance policy may provide a coverage called “Additional Living Expense” or “A.L.E.” But after speaking with some homeowners who have gone without power for weeks it appears, they need to press the issue with their home insurers. Checkout this recent local news story that makes our point: Ooltewah man still without power six and one half weeks after tornadoes

 

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Update – Nashville & Chattanooga Tornado Insurance Claims

Update – Nashville & Chattanooga Tornado Insurance Claims

In Nashville, scenes of absolute devastation still remain as if the March 3, 2020 tornadoes sliced through just yesterday. Several tornadoes were reported during the March 3rd storm with three consisting of an EF-2, EF-3, and one large EF-4 wedge tornado that carved the largest swath of destruction throughout the Music City and surrounding areas nearly 3-months ago. Adding to the misery, the Chattanooga  - East Brainard area suffered a devastating tornado barrage on Easter Sunday as 7 tornadoes were reported to have touched down in the Tennessee Valley. The fury began around 8:15 pm and then at 11:19 pm, an EF-3 tornado with estimated wind speeds up to 145 mph touched down staying on the ground for 14 minutes.

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Nashville Tornado Roof Damage? Make Sure They Get on the Roof

Nashville Tornado Roof Damage? Make Sure They Get on the Roof

With the extensive wind and damage caused by the Nashville tornadoes, we are seeing policyholders rushing to get damages assessed. Both insurance company adjusters and many inexperienced contractors are eyeballing roof damage and recommending partial repairs based on simple visual inspection. This is going to cause terrible problems in the future as flying debris can damage the membrane of roofs and set people up for severe water damage in the future. In disaster situations some adjusters simply do not spend enough time assessing policyholder’s damage or taking into effect the increased cost of materials and repairs.

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Practical Advice - State Building Code & Historical Building Code Status for Tornado Stricken Nashville

Practical Advice - State Building Code & Historical Building Code Status for Tornado Stricken Nashville

Building codes require structures to be built to certain minimum standards. In areas likely to be hit by tornadoes, for example, buildings must be able to withstand high winds. If your building property was damaged and was not in compliance with current local building codes, you may have to rebuild the damaged sections according to current codes.

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Hiring a Tennessee Licensed Public Insurance Adjuster to Assist with your Tornado Claim

Hiring a Tennessee Licensed Public Insurance Adjuster to Assist with your Tornado Claim

The tornado in Nashville has caused major destruction and significantly impacted business & residential property owners. Our teams are actively engaged with property & business owners, working to help aid in the recovery claims process and are here to help you realize a fair settlement under your policy to help you recover and get your business and life back on its feet. Whenever major storm events like this occur a common question we get from callers is to explain what a Public Adjuster does and why they should hire one. Many callers have never had to deal with a property claim before and frankly have not heard of Public Adjusters. To avoid having our readers searching the web for these answers and hopefully the hype, I’ve placed the information we try to relay below.

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After the Nashville Tornado - Additional Living Expenses Explained

After the Nashville Tornado - Additional Living Expenses Explained

If your home was destroyed or severely damaged from the recent Nashville area tornadoes to the extent that it is uninhabitable for you or your family to live, 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.  Please keep in mind that this coverage is based on what you “incur” meaning you have to spend the money first before your insurance company will reimburse you. This is why you need to keep receipts for all transactions or keep all of your transactions on one credit card so you can easily print your statement out for your adjuster.

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Insurance Claim Tips and Practical Advice to Maximize Your Nashville Tornado Damage Insurance Settlement

Insurance Claim Tips and Practical Advice to Maximize Your Nashville Tornado Damage Insurance Settlement

The Nashville area tornadoes have clearly left many homeowners, businesses, schools, cities and government buildings with significant damage and Tennesseans need to understand some of the basic insurance claim adjusting procedures that will play an important role to achieve a fair, expeditious and maximum claim settlement. Insurance companies and their teams of catastrophe adjusters may be delayed in gaining access to the region due to government emergency restrictions and given the significant damage sustained at the John C. Tune Airport in West Nashville. The Airport Authority estimated loss and damages to the infrastructure and other buildings is $93 million alone. Here are some tips and common mistakes to avoid while preparing yourself for the insurance claim process.

 

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Seek out Professional Advice to Protect Your Nashville Tornado Insurance Damage Claim Settlement Recovery

Seek out Professional Advice to Protect Your Nashville Tornado Insurance Damage Claim Settlement Recovery

Thousands throughout the Volunteer State continue to pour into regions of Middle Tennessee including the historic state capital city of Nashville to aid recovery efforts following Tuesday’s severe weather and deadly tornados. The Governor’s recent State of Emergency declaration will create a logistical nightmare for insurance companies who are scrambling to deploy teams of catastrophe adjusters to service Tennesseans who need to file insurance claims and collect monies that are vital to rebuild their damaged homes and affected businesses. 

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Cape Coral Still Feeling Impact of Tornados

Cape Coral Still Feeling Impact of Tornados

When and EF2 tornado hit the Cape Coral area in early January and then another windstorm added insult to injury, it was a good indicator of what hurricane force winds will do to a community like this. Here’s some drone video showing the wind damaged landscape. We are still working with some policyholders in the area and the situation down there is surprisingly still not good. Homeowners are starting to get their claim checks from their carrier and suddenly realizing they are not enough to fix their damage. Well over one hundred homes are on a 4-6 week wait for tile roofs. Worse yet, insurance carriers are not paying for roof tarps and I hear the local building department is overwhelmed with permitting and inspections.

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    Three more months of bad weather predicted for Florida - Tornados and additional claims could follow

    Three more months of bad weather predicted for Florida -  Tornados and additional claims could follow
    Its seems that all the weather experts I have heard are in agreement that we have at least three more months of El Niño influenced weather to look forward to. For the property owners that already have tornado damages from the last two Florida west coast storms you may be exposed to additional damages. So please don’t let your guard down.Read More