Read an excellent feature article by the Tampa Bay Times this weekend on how policyholders are still being denied claims dollars that will help them recover from Hurricane Michael. Our public adjusters continue to battle and negotiate for homeowners and business owners. Some insurance companies are very professional while others continue to play the deny…
When a homeowner files an insurance claim, the last thing they expect is having to include their mortgage holder on the check. But this is usually the case and cause settlement delays and confusion depending on how the mortgage holder processes the settlement. The following is a related insurance claim question we answered submitted by…
Policyholders who experienced any type of water intrusion from Hurricane Michael may experience mold infiltration. When claims are delayed and repairs put on hold, it can become a real problem because mold can grow unseen for months and create a serious health hazard. Coming to an agreement with your insurance company on how to deal…
It’s been just over three (3) months since Hurricane Michael decimated Panama City, Mexico Beach and Port St. Joe causing billions of dollars in damage in just those areas alone. Michael was the strongest hurricane to ever strike the Florida Panhandle, reaching back to the beginning of even fragmentary historical records in 1851. Let’s not…
As Hurricane Michael damage recovery moves into the new year, we continue get deluged with property insurance claim questions from frustrated policyholders. Right now, we seem to be at the stage where policyholders have received settlement offers they feel are too low to fix their damage or where property owners feel their insurance company is…
A lot of properties that experienced Hurricane Michael losses are starting to have Law & Ordinance issues. Law & Ordinance kicks in when the Florida and local building code requirements impact what will be required in order to obtain a CO (Certificate of Occupancy) in order to reoccupy the damaged structure. It is a separate…
This is about the time in the insurance claims settlement cycle that we start getting calls from property owners living in condos, who are looking for help following property damage to their building that impacted their unit. This often takes the form of damage to the unit owner’s property, including their personal property as well…
The Windstorm Insurance Network (WIND), an association that brings together both insurance defense and policyholder advocate professionals to connect, learn, and engage on important topics in the property/windstorm insurance claims industry, once again stepped up to assist with Hurricane Michael relief efforts. Below is the information related to the donation as posted by WIND. I’m proud of…
The effects of Hurricane Michaels wind and rain damage are still readily apparent in the Panama City area. Roofing crews and blue tarps are still visible wherever you travel. But what may not be so obvious, are storm related damages that may have resulted to electrical and mechanical systems in your home or business. From…
As policyholders begin to hear back from their insurance company regarding their Hurricane Michael insurance claim, many will learn that the amount offered by their respective insurer is not sufficient to pay for their complete loss and damages. Some may even learn part of their claim is denied. This is common when there is widespread…