On Property Insurance Claim Tips Blog

What happens to your Hurricane Sally insurance claim once the adjuster leaves

What happens to your Hurricane Sally insurance claim once the adjuster leaves

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 Like Hurricane Sally when there are so many claims to adjust. Typically, there is a shortage of qualified adjusters and they are hard pressed to get to as many claims as possible. You should ask them what firm they are with when they come to inspect your property and note how thorough they are recording your damage and if they are “listening” to you. 

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How Policyholders Can Benefit from Hiring a Public Adjuster for Their Hurricane Sally Property Insurance Claim

How Policyholders Can Benefit from Hiring a Public Adjuster for Their Hurricane Sally Property Insurance Claim

Based on the volume of phone calls coming into our offices from Pensacola and surrounding counties, Florida Panhandle business and homeowners are quickly turning their attention to recovering from Hurricane Sally. With the one two punch of widespread flooding and property damage from CAT 2 winds, property owners unfamiliar with the process will be filing an insurance claim for the first time and possibly seeking assistance and advice for their property insurance damage claim. One of the most common questions we receive when calls come into our offices 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, in an attempt to educate and not blow our own horn, I’ll try to answer that question in hopes of giving readers a basic understanding of what Public Adjusters do and the critical role they can play in the insurance claims process.

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Advice for Condominium Associations Handling Hurricane Sally Insurance Claims

Advice for Condominium Associations Handling Hurricane Sally Insurance Claims

I’ve had the opportunity to consult with several Condominium Association Boards after major storms like Hurricane Sally. Most of the conversation deals with recommendations for dealing with their insurance company adjuster and contractors that I would like to share with others who may benefit from the same information.  

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Florida Public Insurance Adjuster Tips for Handling Your Hurricane Sally Flood Insurance Claim

Florida Public Insurance Adjuster Tips for Handling Your Hurricane Sally Flood Insurance Claim

As the catastrophic flooding from Hurricane Sally unfolds, thousands of businesses and homeowners who never considered the possibility of dealing with flood damage will be investigating the claim process. We will be sending a team of adjusters to the Pensacola area when authorities say it is safe to enter. So in order to offer assistance to our readers, I asked my talented staff of public adjusters to share some of the best tips they could think of for handling a flood claim. The following are some claim tips that hopefully will help folks should they have flood coverage or windstorm damage.

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

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

Many policyholders impacted by Hurricane Sally will be dealing with flood related issues for the first time. 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.

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Hurricane Sally Wind and Flood Claims – Will You be Covered for Both?

Hurricane Sally Wind and Flood Claims – Will You be Covered for Both?

Insurance payments to policyholders with flood and wind damage from Hurricane Sally will depend on the policies they purchased, the language in each policy and the laws of each state where the damage occurred. The media is reporting widespread inland flooding, and there are reports that many property owners whose property was damaged by flood may not have purchased flood insurance.  So, what should you do if you do not have coverage from either the government run flood program NFIP (National Flood Insurance Program) or flood coverage under some other type of special manuscript policy?

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Hurricane Laura - Time to Prepare

Hurricane Laura - Time to Prepare

As Hurricane Laura continues strengthening into potential Category 4 storm, the NHC warns of an "unsurvivable storm surge," for parts of the Louisiana and Eastern Texas coast. 

Forecasters predict surges several feet high could reach nearly to Interstate 10 in Louisiana, endangering cities like Lake Charles, and others some 35 miles inland. Only a few hours remain to protect life and property.

  • Texas residence seeking to evacuate should consider DriveTexas.org.
  • Louisiana, residence should consider 511la.org
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Policyholder Question – What are my options when my insurer says I have cosmetic damage from hail?

Policyholder Question – What are my options when my insurer says I have cosmetic damage from hail?

Q. My insurance company’s adjuster is saying that they don't pay for "cosmetic damage". After many conversations with him and the contractor, he finally admitted some hail damage but estimated almost exactly the amount of my deductible, $1,000. The contractor I hired is very reputable and had all kinds of chalk marks on my roof which the adjuster dismissed as "cosmetic." I tried to get my agent involved and he said the same thing about cosmetic damage. I really don't want to let this go. There are about 20 houses in my neighborhood getting work done due to the golf ball sized hail damage. Please let me know if I have any options.

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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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Covid Business Interruption Claims – The Saga Continues

Covid Business Interruption Claims – The Saga Continues

The case for and against coverage detailed in this Washington Post article about restaurants suing insurance companies over unpaid claims. Still looks grim for the insured in my view but worth seeing if your policy has the virus exclusion. These restaurants will be long gone by the time these lawsuits are resolved. Only hope is if Uncle Sam steps up. In my opinion, it’s not likely to happen. 40% or less has Business Interruption coverage so without BI coverage, 60% are out of luck based on these suits…….and then there is the coming hurricane season.

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