On Property Insurance Claim Tips Blog

Policyholder Question – Public Adjuster Fee

Policyholder Question – Public Adjuster Fee

This is a frequent question we get after a policyholder has tried to handle their own claim and learns the settlement amount will not return their property to its prior condition.

Q. Does a public adjuster get paid on the full amount of the claim or just the disputed amount?

A. If a prior payment was made before the PA was hired, the PA should not be paid a fee on that amount. Basically, a PA should only be paid on new money they were able to recover after they were hired.

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The Property Insurance Claims Game – The Storm After the Storm Continues

The Property Insurance Claims Game – The Storm After the Storm Continues

The Tampa Bay Times published an article in their editorial page this past week titled, “Stop Giving Hurricane Victims the Run Around” which in my humble opinion is well worth the time to read. For the most part I could not agree more with this commentary as we have seen this “run around” for years.  Clearly history has shown us that when mass catastrophic events occur, one’s expectations are that significant confusion and chaos in the early weeks, especially when first responders are mobilizing to respond to life, health, and safety issues will be the rule.

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The Property Insurance Claims Games Continue for Hurricane Michael Policyholders

The Property Insurance Claims Games Continue for Hurricane Michael Policyholders

Read an excellent feature article by the Tampa Bay Times this weekend on how policyholders are still being denied claims dollars that will help them recover from Hurricane Michael. Our public adjusters continue to battle and negotiate for homeowners and business owners. Some insurance companies are very professional while others continue to play the deny and delay game.

 https://www.tampabay.com/florida/2019/06/26/hurricane-michael-destroyed-their-homes-then-the-insurance-heartache-began/

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Dealing with Mold Damage Insurance Claims after Hurricane Michael

Dealing with Mold Damage Insurance Claims after Hurricane Michael

Policyholders who experienced any type of water intrusion from Hurricane Michael 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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A Recap of the 20th Windstorm Insurance Network Conference

A Recap of the 20th Windstorm Insurance Network Conference

The 2019 Windstorm Conference held at the Walt Disney Dolphin Resort hotel was a new milestone on several fronts. This year was the 20th anniversary of an organization that was founded based on the realization that claims professionals from all different professional disciplines can meet, exchange and debate ideas, and help to formulate best practices to help insured policyholders struggling to recover from catastrophic events. 

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Winter Has Arrived – Deep Freeze and Broken Pipe Bursts Will Reach into the Deep South

Winter Has Arrived – Deep Freeze and Broken Pipe Bursts Will Reach into the Deep South

A historic deep freeze is gripping the US with sub-zero temperatures and even more serious wind chill factors. With it will come unprecedented frozen pipe bursts, iced dams and roof collapses that will cause extensive property damage and loss to personal property or business inventory.  As for homeowners, if you discover a leak, turn your water off, call in a reputable plumber, inform your insurance company of the damage and get their agreement to fix and pay for the damage before hiring a reputable clean-up company.    

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Hurricane Michael Damage and the Building Moratorium

Hurricane Michael Damage and the Building Moratorium

As Hurricane Michael damage recovery moves into the new year, we continue get deluged with property insurance claim questions from frustrated policyholders. Right now, we seem to be at the stage where policyholders have received settlement offers they feel are too low to fix their damage or where property owners feel their insurance company is not being responsive. This is especially true with commercial claims and the business community in the Panhandle as evidence in this article Local Businesses Say Insurance is Taking Too Long on Claims. Now there’s a good way to kill off the small business community!

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Tis the Season for Giving

Tis the Season for Giving

Happy New Year to all our readers! Before the holiday season gets past us, I want to commend Florida Public Adjuster, Michael Platts who embodies the spirit of holiday giving. For several years, Mike has donated to Metropolitan Ministries in Tampa. This year, after being alerted that the they were in need of gifts for young teens, Mike donated 30+ mixed media art supply sets and made some kids and their family’s holiday. Giving back has always been a hallmark if Mike’s personality. Thank you Mike!  

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More Insurance Claim Challenges for Hurricane Michael Condominium Owners

More Insurance Claim Challenges for Hurricane Michael Condominium Owners

This is about the time in the insurance claims settlement cycle that we start getting calls from property owners living in condos, who are looking for help following property damage to their building that impacted their unit. This often takes the form of damage to the unit owner’s property, including their personal property as well as items such as carpet, other types of floor covering, trim items such as door frames, baseboards, cabinets and the list goes on depending on the type and severity of the damage and the wording in their condominium documents. When a covered casualty event occurs, whether it is from wind, water, fire, or the dreaded “mold” word, the finger pointing starts and in many cases the unit owner is caught in the middle.

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Windstorm Insurance Network Contributes to Hurricane Michael Relief

Windstorm Insurance Network Contributes to Hurricane Michael Relief

The Windstorm Insurance Network (WIND), an association that brings together both insurance defense and policyholder advocate professionals to connect, learn, and engage on important topics in the property/windstorm insurance claims industry, once again stepped up to assist with Hurricane Michael relief efforts. Below is the information related to the donation as posted by WIND. I’m proud of public adjuster and WIND President-elect Rick Tutwiler’s involvement and continue to be proud of the efforts put forth by all the officers and staff of this excellent organization who will hold its 20th Annual Conference January 30 – Feb 2 in Orlando.

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