On Property Insurance Claim Tips Blog

Tropical Storm Elsa Preparation Pre and Post Storm Insurance Claim Tips

Tropical Storm Elsa Preparation Pre and Post Storm Insurance Claim Tips

As Tropical Storm Elsa approaches the Tampa Bay area residents need to take this storm seriously and prepare accordingly as the path continues to evolve. This type of storm can throw off tornado activity and 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 our public insurance adjusters have seen with past storms. We want everyone to stay safe and also be in a condition to recover as best they can. Below are a few popular pre-storm claim tips that we always try to share with clients. Please feel free to pass them along. Bottom line – PREPARE NOW!

Read More

Dealing with Flood Insurance Claims After Eta

Dealing with Flood Insurance Claims After Eta

As flooding from Tropical Storm Eta unfolds, thousands of businesses and homeowners who never considered the possibility, will be dealing with water and flood damage. Our Tampa headquarters office phones are already buzzing. 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.

Read More

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.

Read More

Hurricane Sally Insurance Claims – Some Commonsense Advice from an Experienced Insurance Adjuster

Hurricane Sally Insurance Claims – Some Commonsense Advice from an Experienced Insurance Adjuster

Many business owners and homeowners who experienced damage from Hurricane Sally, are just now being allowed back into areas that were deemed too dangerous to enter. Our thoughts are with all businesses and families affected by Hurricane Sally and the brave first responders risking their safety to assist others. Based on damage reports and our own public adjuster staff who are monitoring the situation, the combination of wind, water and flood damage will create some complicated insurance claim disputes. And if property damage wasn’t enough, the long-term loss of power has 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 likely to be applied and many folks may be surprised that despite their wind or hurricane coverage, they may be out of pocket for mitigation and replacement costs due to lack of flood coverage or exclusions for water - sewer back-up.

Read More

Hurricane Sally Insurance Claim Questions? – We have the Answers!

Hurricane Sally Insurance Claim Questions? – We have the Answers!

As we continue to answer calls from countless past clients who suffered property damage during Hurricane Sally, initial loss and damage news reports appear conflicting.  According to a September 18, 2020 article published by the Insurance Journal, “Hurricane Sally is not expected to cause a major insurance loss - compared to events such as the ongoing wildfires in California, Oregon, and Washington, or Hurricane Laura.” However, the article explains “Flood Losses Expected to Be ‘Significant’ as the “the storm was more of a flood event.” For those suffering the aftereffects of Hurricane Sally, it’s extremely hard to draw a comparison given each catastrophic event is unique and not one property damage claim or insurance company is the same. Simply put, the facts and circumstances are a case-by-case basis as confirmed by the numerous community associations and past clients we spoke with.

Read More

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.

Read More

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.

Read More

Additional Living Expenses Explained for Hurricane Michael Storm Damage Policyholders

Additional Living Expenses Explained for Hurricane Michael Storm Damage Policyholders

If your Florida home was severely damaged by Hurricane Michael to the extent that it is uninhabitable to live in, most insurance policies provide a coverage called “Additional Living Expense” or “A.L.E.” if it is a covered loss. 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 incur such as food and temporary lodging.

Read More

Public Adjuster Offers Hurricane Michael Insurance Claim Tips

Public Adjuster Offers Hurricane Michael Insurance Claim Tips

Hurricane Michael has left thousands of residential and commercial property owners with insurance claims – a process they’ve never had to deal with before. Thanks to our senior public adjuster, Kevin Leisure for participating in a recent WFLA TV interview to discuss what people need to know about the property insurance claims process and what mistakes policyholders need to avoid making. Bottom line, property owners need to be patient but persistent with regards to their insurance claim and educate themselves. Our firm has already set-up an office in the Panama City area and we expect this will be a long process of recovery. Our adjusters are dedicated to educating policyholders and getting them the settlement they deserve in order to rebuild. See our Hurricane Michael insurance claims page for additional information. 

Read More