On Property Insurance Claim Tips Blog

Tips for Handling Your Hurricane Harvey Flood Claim from Public Insurance Adjusters

Tips for Handling Your Hurricane Harvey Flood Claim from Public Insurance Adjusters

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 tips that hopefully will help folks should they have flood coverage.

Flood Damage Claim Tips

  1. Take photographs of all damaged content items including discarded objects, structural damage you intend to claim.
  2. Make a list of damaged or lost items by the room and include their date of purchase, value, and receipts.
  3. Take photographs of the water line (standing flood water levels) both inside and outside the residence. Note how long the water remained in the house if possible. 
Read More

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

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

Our hearts go out to all the folks in Texas and Louisiana affected by Hurricane Harvey 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, there is no doubt this event will rival Katrina and create insurance claim disputes unlike we’ve seen before. 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

Is Your Hurricane Matthew Mold Insurance Claim Covered?

Is Your Hurricane Matthew Mold Insurance Claim Covered?
Those who experienced any type of water intrusion from Hurricane Matthew rain and flooding may experience mold infiltration. When claims are delayed and repairs put on hold, it can become a real problem as mold can grow unseen for months and create a serious health hazard. In the past, mold damage claims were covered under most property insurance policies when it resulted from a covered peril, such as a sudden plumbing leak, fire control, storm or other cause covered under your policy. However, some insurance carriers have been removing or scaling back mold coverage from their policy forms regardless if it results from a covered peril. In some instances, the insurance companies offer limited coverage for mold and fungus for an additional premium payment. Read More

Hurricane Hermine Property Insurance Claim Tips Blog Garners Big Response

Hurricane Hermine Property Insurance Claim Tips Blog Garners Big Response
WOW! What an impressive response to our most recent public adjuster blog , offering property owners with storm damage from Hurricane Hermine our advice on handling the claim related issues. It shattered all previous records on reader response and views. Two things come to mind.  People are looking for tips to deal with their claim process or they are just looking since it’s been so long since the last storm hit Florida and more specifically the Gulf Coast. My guess it’s a little of both, but I know there are claim issues out there from flood, wind, and the worst…massive sewer and black water backup problems. The calls are coming in and our public adjusters are staying busy, so my guess is that this will be a long sloth before there light at the end of the tunnel.Read More

Hurricane Hermine Insurance Claims – Approach Your Storm Damage with Some Common Sense

Hurricane Hermine Insurance Claims – Approach Your Storm Damage with Some Common Sense
As the saying goes in the sports fishing world when the big one is hooked, “FISH ON!” After 10 years of no hurricane landfalls, Florida experienced first a tropical storm, which was later upgraded to Cat 1 Hurricane Hermine. I feel very bad for all the folks affected in this State from Hurricane Hermine. From the media reports, this storm caused misery to a lot of Floridians along the Gulf Coast from Sarasota, Tampa Bay, all the way up the west coast to the big bend area and westward to Tallahassee. 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. Read More

Public Adjuster Offers Insurance Claim Advice to West Virginia Flood Victims

Public Adjuster Offers Insurance Claim Advice to West Virginia Flood Victims

Anticipating the 100 year flood event that occurred in my native southern West Virginia was the last thing on my mind when I wrote and published my recent blog Troubled Waters – Insurance Claims Under Attack, about the “Troubled Water Claims” phenomena we are currently experiencing in Florida. But given the fact that Florida’s water problems and West Virginia’s terrible flooding disaster have one common denominator - water, I thought it would be helpful and hopefully educational to distinguish a flood event versus a water loss since these terms are often misused in the property insurance world. In addition, for those who do have flood insurance, we want to share some knowledge and information in the form of tips from my firm’s extensive experience in water/flood losses including our most recent work handling Super Storm Sandy flood claims in New York.

Read More

South Carolina Flooding – Policyholder Questions Part III

South Carolina Flooding – Policyholder Questions Part III

Here is our 3rd and final installment of questions we are fielding from the flooding in the Columbia and Charleston, South Carolina.  Hopefully we can help others seeking similar answers with flood insurance claims issues.

Q.  How much drywall damage will my flood insurance pay for? Read More

South Carolina Flooding – Policyholder Questions Part II

South Carolina Flooding – Policyholder Questions Part II

Here is our 2nd installment of questions we are fielding from the flooding in the Columbia and Charleston, South Carolina.  Hopefully we can help others seeking similar answers with flood insurance claims issues.

Q.  My lower cabinets were damaged by the flood waters.  Does my flood insurance pay to match them and pay for my upper cabinets? 

Read More

South Carolina Flooding – Policyholder Questions Part I

South Carolina Flooding – Policyholder Questions Part I
Whenever there is a severe storm like the flooding in the Columbia and Charleston, South Carolina area our inbox gets inundated with questions from policyholders who are entering the insurance claims world for the first time and are seeking answers on how to recover from their damage. Over the next week we’ll publish some of the more popular questions with hopes that we can help others seeking similar answers. 

Q.  What does the NFIP flood policy require me to do after I report my claim.

Read More

Tampa Flood Victims Need to Educate Themselves About Water Restoration Work – Be Careful What you Sign!

Tampa Flood Victims Need to Educate Themselves About Water Restoration Work – Be Careful What you Sign!
As Tampa area businesses and homeowners deal with the serious flood and water damage, they will need the help of a water restoration firm to clean-up and dry out their property. Once local authorities give the all clear and it’s safe to return, mitigation efforts should be started immediately to avoid further damage or mold issues. If insured for the loss, you will find that most insurance policies require that you take reasonable and necessary measures to protect and preserve your property from further damage. This can be a difficult and challenging undertaking that requires decisions often involving a great deal of money at a time when your insurance adjuster may not have seen your loss or given the OK to start the dry-out or restoration process. Our recommendation is to hire the restoration company to do the drying and clean-up work only. You can then get quotes for reconstruction once things are sorted out with your insurance company. If possible, have the restoration company give you the scope of work and pricing in writing and then give it to the insurance adjuster or send it the insurance company for their approval. If possible, schedule a meeting at the site with all parties present. If this is not practical, make sure you take pictures of the damage and document all expenses for your insurance company. If you don’t document your damages, the insurance adjuster may not include it in the damage assessment. Read More