On Property Insurance Claim Tips Blog

Remember El Nino and La Nina? Bet you can’t remember which one may be a precursor for bad weather along the Eastern Atlantic and Gulf Coast. Keep reading I will explain the differences based on the expert’s analysis. But back to the forecast, the experts at Colorado State University just published their early prediction and let’s just say it’s concerning.  While just a prediction based in large part on what is now or will be happening in the atmosphere, it none the less should be given serious consideration and serve as a wake-up call to property owners living in those areas.

Q. Hurricane Irma caused damage to our home. No area contractors were able to do any interior repairs in a timely fashion. My wife and I have the skill sets to do drywall repairs, tiling, painting etc. Are we entitled to be reimbursed for our personal labor?

The following is an insurance claim question we answered for a policyholder through the United Policyholders Ask an Expert Forum.

Q. Is it customary for restoration contractors to charge for 3 triple (cleaning, vacuuming, and/or anti-microbial) treatments in their remediation estimates ?

Several years ago, we started seeing property insurance policies with new very restrictive language that attempted to exclude water losses based on the subjective opinion of some as to when the water loss occurred and caused damages. It was my opinion that this 14 day limitation would be very bad for folks in Florida, as well as snowbirds who own property and only reside here six or so months a year.

One of the things I like about blogging, is that the tips and advice you provide policyholders about issues they are having with their insurance claims stays up indefinitely and can assist people having the same claim problems. I recently responded to reader question from a 2013 guest blog post on the Merlin Law Group Property Insurance Coverage Law Blog that I had the privilege of contributing to. The article titled: Insurance Companies Using Preferred Contractors to Settle Claims Not in Policyholders Best Interest discussed how insurance companies send out their preferred vendors who then try to control costs to the consternation of the policyholder.

Hurricane Irma insurance adjusting practices in the Florida Keys are coming under scrutiny by the Monroe Country State Attorney. This information came to me via a short audio clip from a radio broadcast aired by US 1 Radio News that covers the Florida Keys. In this broadcast, you can hear Monroe County State Attorney, Dennis Swartz sharing his concerns about insurance company adjuster practices in dealing with policyholders who suffered losses from Hurricane Irma.

I usually don’t talk about Hurricane season or disaster planning this early in the year. But yesterday, a daily weather blog by professional meteorologist Mr. Rocco Calaci who we have great respect for mentioned the following:

“Switching gears…yesterday by former NOAA meteorologist Mr. David Dilley gave a webinar on the upcoming 2018 hurricane season.  Though he provided substantial supporting evidence of his projections, the numbers he stated for this year’s hurricane forecast were sobering.....

This year’s “WIND” conference in Orlando, Florida marks the 18-year anniversary that folks from all over the U.S. have gathered to network, learn, and in many instances, conduct settlement talks on active cases to resolve issues involving wind losses and other perils covered by property insurance. Without a doubt, this conference was very successful and well attended with a reported headcount of around a thousand professionals from various disciplines. However, I was somewhat surprised the attendance was not greater given what happened during the 2017 hurricane season. 

Your property or business suffered damage during Hurricane Irma. You promptly filed a claim or had a public insurance adjuster document and file the claim for you. A check from the insurance company appears in the mail. Great! How easy could it be? But wait, there’s a catch…..on the back of your check there is language that states you are releasing the insurance company from any further costs related to the claim.

Most homeowners and business people do not understand the complexities of estimating repair costs. Even with a policy in-hand, there is much to be interpreted and many unique factors that can impact each claim. As the recovery process for Hurricane Irma continues, we’ve received anecdotal evidence from independent adjusters who are telling us they are submitting their estimates and reports only to have the carriers send them back or make in-house changes without their knowledge. Basically they find out the estimate they wrote was chopped up to save the carrier money. This is not happening everywhere, but enough to cause me concern.