Power outages will be an unavoidable reality for policyholders who are impacted by Hurricane Idalia. While some outages last only a few minutes, others can stretch on for days, causing considerable inconvenience and financial loss. From spoiled food in the refrigerator to potential business losses, the aftermath can be burdensome. This brings up an essential question: Does your insurance policy cover losses stemming from a power outage? Here's what you need to know about power outage insurance claims
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Based on current forecasts, it appears Hurricane Idalia will create significant flooding from Sarasota to St. Petersburg and especially into Tampa Bay the likes that this Florida public adjuster has not seen. Storm surge coinciding with a full moon and high tides may produce some surprises and property owners should prepare for the worst. In addition, embedded tornadoes and significant wind gusts are always in the mix. The time to prepare is now. And should you experience damage, you want to do everything you can to protect your property insurance claim. Experiencing a flood in your home or business can be distressing, and the aftermath can often be overwhelming. One of the critical steps post-flood is to document the damage for insurance claims accurately. Proper documentation not only helps in maximizing your claim benefits but also ensures a smoother claims process. Here are the best tips to help you document and prepare a flood insurance claim effectively.

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Last year, we saw one of the most destructive storms in the history of the state with Hurricane Ian. This year, we are witnessing just how severe the lack of oversight is, in regard to regulating property insurance carriers’ financial integrity as well as making them accountable for their claims handling schemes. If the regulators pursued carrier misbehavior with as much vigor as they do policing attorneys, public adjusters and contractors, we might see a better environment for Florida policyholders
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As numerous clients are in various stages of repairs their Hurricane Ian damaged properties, we would like to share one success story that underscores the invaluable role experienced public adjusters can play contributing to the stability of Florida's challenging insurance market. First, let’s look at an example of what has brought policyholders, claim professionals, state officials, and insurance executives to this point of frustration.

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Insurers slashed Hurricane Ian payouts far below damage estimates, documents and insiders reveal - The Washington Post

We all acknowledge there are good and bad actors in every industry. Unfortunately, we see these deplorable activities firsthand when policyholders call us frustrated after trying to settle their claim. I hope the Florida Legislature acts alongside the Department of Insurance and regulators to put oversight in place that will place severe consequences on individuals or companies preventing policyholders from getting a fair claims settlement. This is the type of oversight needed that can only help to stem the litigation crisis. Fortunately, most of those I interact with in the insurance claims industry are trying to do right by the policyholder. Let’s give the policyholders the freedom to pick and choose what resources they require to get a fair settlement.

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With yet another Special Session beginning this week and a new legislative session beginning in March, Florida Legislators will soon be faced with some unexpected consequences, from new changes to the state’s insurance laws, that were passed by the Florida Legislature in May and December along with other pro-insurance reforms. There’s also, more work that needs to be done.

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Insurance Reform Special Session Updates
Public adjuster talks property insurance special session (baynews9.com)
Lawmakers to tackle Florida's property insurance crisis (baynews9.com)

As legislators attempt to reform and bailout the Florida property insurance market, ask yourself this:
Is the policyholder, property owner being put first?

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Let’s hope the FL legislators take a hard look at the sloppy claims practices and delay tactics that are hindering Hurricane Ian recovery during the special session on insurance reform next week. Insurance carriers and their claims departments should be put under the same scrutiny as Public Adjusters and Attorneys. Maybe if the carriers start getting fined they will treat their policyholders more fairly rather than trying to save a buck. Unfortunately, this is not an isolated case based on our experience. https://www.abcactionnews.com/news/state/hurricane-ian-victims-struggling-with-insurance-claim-payouts-seek-help-from-public-adjusters

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As we continue to closely monitor Nicole, we wanted to provide you with a few updates.  As Florida learns 2022 midterm election results, undecided is how Nicole will impact insurance companies and how they treat policyholders. We are seeing a steady stream of denied and marginalized claim payouts keeping Ian victims from a fair claim recovery. Here’s what Nicole victims should expect looking beyond the center of the track:
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Every day, clients ask questions about the claims adjusting process. Recently, a client and retired home builder affected by Hurricane Ian asked me, how much insurance company adjusters make? I probed, “Why do you ask?” The response, “My insurance company has sent 5 different people to inspect my roof damage and the amount they're paying these people is probably more than the cost to replace my roof!”
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