As I’ve often said, surviving the storm is rarely the hardest part. The real fight begins in the aftermath — navigating the complex, red-tape-filled insurance claim process that too often leaves policyholders dazed in their most vulnerable moments of need. For those seeking practical insights and guidance after Hurricane Helene or Milton, I encourage you…
Hurricane Season 2025 is officially here. For us in Florida, the “above-average” forecasts from CSU and NOAA come as no surprise. The real relentless force, however, is the non-stop media coverage. While warnings are crucial as we hit June 1st, the constant hype often feels like overkill. Many neighbors, still recovering from Hurricanes Helene and…
Florida’s property insurance market remains in a state of perpetual crisis. For those of us paying attention, this isn’t new – it’s a frustrating rerun. Back in 2009, then-CFO Alex Sink bravely called out the misleading “spin” surrounding the private insurance market. We saved that editorial because it’s still painfully relevant today. Fast forward to…
Licensed Public Adjusters often hold the keys to resolution — yet far too often, they’re the last line of defense for policyholders simply trying to level the playing field. When TPAs and licensed field adjusters are instructed not to write estimates unless explicitly authorized — while quiet exceptions are made for select insiders — we’re…
We’re honored to be recognized with the Readers’ Choice Award from Florida Community Association Journal! 🎉 A heartfelt thank you to our clients, community association leaders, and industry peers for your trust and support. Your confidence in our team drives us to keep putting #PolicyHoldersFirst every day!
Church is out, and we’ve howdied and shook our way through Dallas—officially wrapping up the 2025 Annual Windstorm Insurance Conference in true Texas fashion! They say everything’s bigger in Texas, and this year’s conference proved it. With 740 attendees, 60 exhibitors, non-profits, and key stakeholders gathering in the Lone Star State, WIND 2025 once again…
The 2024 Florida hurricane season year has been exceptionally busy and deeply impactful. Especially for those of us in the Tampa Bay region. For many, the effects are devastatingly real; for others, recovery has just begun. Tragically, some communities face complete replacement, leaving scars that may never heal. Writing this, I feel compelled to acknowledge…
Not surprising are the calls we get from property owners living in condos, who are looking for help following property damage to their building that affected their unit. This often takes the form of damage to the unit owner’s property which often includes their personal property, i.e., contents, as well as items such as carpet,…
Many people might be surprised that having an adjuster look at your damage after a storm like Hurricane Milton is only the beginning of the insurance claim process. 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…
Florida homeowners with severe damage from Hurricane Milton to the extent that their residence is uninhabitable, may have an insurance policy that provides 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…