Tornadoes wreaked havoc through the Tampa Bay area on March 31, 2011. Among those affected was a prominent St. Petersburg shopping center that had a portion of its roof torn off creating leaks throughout the building. A large retailer who was the anchor store, as well as three other businesses suffered damage. The property owner promptly reported the claim to his property insurance carrier located in Jacksonville, Florida. In turn the carrier sent out a local independent adjuster who wrote an estimate to repair the northwest corner of the roof plus some interior damage. In this instance the building owner had a large windstorm deductible and the local independent adjuster’s estimate came in at a lower amount than the deductible. While the property carrier acknowledged coverage, they sent a courtesy letter to the owner stating that no payments could be made because it was under the windstorm deductible. Meanwhile, the owner called in a general contractor whose initial estimate was far in excess of the deductible.
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