On Property Insurance Claim Tips Blog

Is Boat Dock Damage a Covered Insurance Claim from Hurricane Matthew?

Is Boat Dock Damage a Covered Insurance Claim from Hurricane Matthew?
We are getting a number of inquiries from policyholders following the passing of Hurricanes Hermine and Hurricane Matthew about damages to docks, piers, and other manmade structures built over or close to the water.  As both of this year’s hurricanes remained offshore for most of their passing, the tropical storm forced winds nonetheless caused quite a bit of damage to coastal area structures, which included damage from wind, water and in some cases, collapse land subsidence which were holding up seawalls and bulkheads.Read More

Ever Wonder What Happened to Your Hurricane Matthew Insurance Claim When the Adjuster Left?

Ever Wonder What Happened to Your Hurricane Matthew Insurance Claim When the Adjuster Left?

Many people might be surprised that having an adjuster look at your claim is only the beginning of the insurance claim process. Remember, the field adjuster that inspected your property may not be an employee of the insurance company. They are typically independent adjusters on contract and typically are paid a set fee or percentage for each claim they handle. This is especially true during disaster situations when there are so many claims to adjust. 

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Hurricane Matthew Roof Damage - Repair or Replace?

Hurricane Matthew Roof Damage - Repair or Replace?
As property owners with insurance claims resulting from Hurricane Matthew start to receive settlement offers from their insurance company, our public insurance adjusters continue to field calls and questions from people still struggling through the insurance claims process resulting from Hurricane Matthew. One question that frequently comes up involves how much roof damage there must be for the entire roof to be replaced. Read More

Hurricane Matthew Flood Victims Need to Understand the Nuances of Flood Insurance Claims

Hurricane Matthew Flood Victims Need to Understand the Nuances of Flood Insurance Claims
Hurricane Matthew caused widespread flooding in St. Augustine, Jacksonville and other parts of the coast. For those who have flood insurance, we encourage you to review and pay close attention to your flood policy’s terms and conditions. The policies issued by the National Flood Insurance Program (NFIP) are unique because they fall under a Federal Government program with its own rules and regulations. Keep in mind that many private insurance companies resell and administer the NFIP policies so make sure you confirm if your flood policy falls under this program.Read More

Will Your Hurricane Matthew Insurance Claim Offer be Sufficient to Cover Repair Estimates?

Will Your Hurricane Matthew Insurance Claim Offer be Sufficient to Cover Repair Estimates?
As policyholders begin to hear back from their insurance company, many will learn that the amount offered by their respective insurer is not sufficient to pay for their complete loss and damages. Some may even learn part of their claim is denied. This is common when there is widespread damage to a geographic area and especially true with more complicated commercial claims to businesses, condominiums and hotels where methods to fix or replace damage can become complicated. There can be many reasons for this including overworked adjusters either documenting specific damages or inside claim adjusters denying certain parts of a claim. Read More

Five Reasons to Hire a Public Adjuster for Your Hurricane Matthew Property Insurance Claim

Five Reasons to Hire a Public Adjuster for Your Hurricane Matthew Property Insurance Claim
With the widespread property damage caused by Hurricane Matthew, many property owners will be seeking out assistance and advice for their insurance claim. One of the most common questions we receive as these calls come into the office revolves around the benefits of hiring a public insurance adjuster. It still amazes us that so many policyholders have not heard of our profession or understand what public adjusters do. So while we try to educate and not blow our own horn, I’ll try to answer that question in hopes of giving readers a basic understanding of the benefits of hiring public adjusters and the role they play in the insurance claims process.Read More

Hurricane Matthew Insurance Claims – Some Common Sense Advice from an Experienced Florida Adjuster

Hurricane Matthew Insurance Claims – Some Common Sense Advice from an Experienced Florida Adjuster
After 10 years of a hurricane drought, Florida has experienced two named Hurricanes, Hermine and Matthew.  Our hearts go out to all the folks affected by Hurricane Matthew. Based on damage reports and our own public adjuster staff who are out helping policyholders, it looks like the worst of the damage goes from Melbourne up through Daytona Beach, St. Augustine and Jacksonville.  Anything on the coast felt the wrath from Matthew. From the media reports, 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.  To deal with these perils it behooves property owners to keep their eye on the ball or in this case the money. High percentage hurricane deductibles are being applied and many folks may be surprised that despite their wind or hurricane coverage, they may be out of pocket for the mitigation and replacement costs due to lack of flood coverage or exclusions for water - sewer back-up. Read More

Insurance Claim Tips as Hurricane Matthew Approaches Florida – And Some Your Insurance Company May Not Want You to Know

Insurance Claim Tips as Hurricane Matthew Approaches Florida – And Some Your Insurance Company May Not Want You to Know

It’s looking increasingly probable that Hurricane Matthew will impact and cause property damage to some parts of Florida’s east coast and further up the coast into Georgia and South Carolina. This type of storm can throw off tornado activity and small 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 we have seen with past storms. 

If you experience property damage from Hurricane Matthew, 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: Click to read the tips for Hurricane Matthew insurance claims.

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Adjuster Education - Turtle Glass Building Codes and the Impact on Beachfront Property Owners and Carriers

Adjuster Education - Turtle Glass Building Codes and the Impact on Beachfront Property Owners and Carriers
As often happens in the adjusting business, you think you have seen or know most of the issues. But then a surprise comes along and you realize there is always something new in the business of property insurance adjusting.  To put it another way, you don’t know what you don’t know.  So here is what I didn’t know that I needed to know. This new revelation came this week when meeting with my client in his gulf front estate in Siesta Key, Florida.Read More

Winter Storm Claim Adjusting Practices Leave Much to Be Desired

Winter Storm Claim Adjusting Practices Leave Much to Be Desired
As we continue to help our clients who experienced winter storm damage, settle their insurance claims, we are learning more and more about insurance company claim practices and procedures, some which is quite troubling. This winter in the northeast, we endured some grueling battles with insurance companies which I will detail below. No doubt, insurance is a for-profit business and no business likes to lose money.  We also understand that one can’t generalize one company’s behavior to all insurance companies as they all have their own standards of practice. And like other public adjusters in our industry, there are good apples and there are a few bad that can taint the entire profession. Read More