Over the past few weeks we have discussed the increasing activity of the practice of public adjusting without a license and some restoration contractors (some licensed and some who are not) putting “Assignment of Benefit” clauses into their contracts that basically sign over a policyholder’s entire insurance claim proceeds to them. First, let me say…
As we’ve reported to you on this blog, Citizens Insurance of Florida is allow by the legislature to play by different rules. For example, they are exempt from bad faith laws that other private insurance companies must follow. That sometimes means it allows them to act in ways that are not in the best interest…
If you live in the Pensacola, Destin, Gulf Breeze and Ft. Walton Beach area and your home was severely damaged by flood to the extent that it is uninhabitable, your insurance policy may provide a coverage called “Additional Living Expense” or “A.L.E.” Under the Additional Living Expense coverage, you and your family may be entitled…
Our congratulations go out to public adjuster Frank Fortson who we are proud to part of the Tutwiler group. Frank was recently featured on WPTV News in West Palm Beach related to a duplex fire that caused smoke damage to the family’s residence. What would seem like an obvious claim to most people was surprisingly…
Here is an insurance claim question that we answered as a contributing member of experts for United Policyholders who advocates for property owners. Q. What, if any, should be acceptable ACV on a driveway and walkway on a personal residence? House was demolished by fire and working with adjuster on fair settlement value of these surfaces. Policy provides…
Reporter Andrea Senior of WTSP TV in Tampa recently did a story Single Mom Battles Insurance Co. After Fire on one of our clients who had filed a fire claim with St. John’s Insurance. It’s unfortunate the media found this newsworthy, but the facts supporting the case and how this was impacting the family right…
A policyholder in South Carolina recently wrote us about a fire claim turned nightmare. When notified of a claim, insurance companies will sometimes send out their preferred vendor as a way to provide fast service but also to control costs and prevent the policyholder from hiring their own vendor, since they have contracted reduced rates…
Q. How much does the insurance company pay for my groceries in case of fire loss? An amount of $500 regardless or I can make an inventory with photos, prices and quantities? A. If you are asking about the value of the food items you had in the house that were lost, the short answer would be the dollar amount…