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,…
Our firm was happy to contribute to the June Florida Community Association Journal Hurricane Preparedness issue. Below is our article plus here’s a link to many more expert articles on disaster prep. Don’t wait for disaster to strike—insurance companies demand extensive documentation after a loss. This is where pre-loss planning comes into play. Professional adjusters are engaged…
The Mariner is a condominium located on the pristine barrier island of Perdido Key, Florida. Built in 1974, this property features several building towers consisting of varying layouts and 72 privately owned condo residences all facing the Gulf of Mexico. Most owners are elderly, retired and spend their days full time on the white sand…
Borrowing a line from the late Judge Gideon J. Tucker who in 1866, opined: “No man’s life, liberty or property are safe while the Legislature is in session.” This quote is as appropriate today as it was when it was first written, especially as we examine legislators’ failure to protect Florida residents earlier this year in…
As the Champlain Tower collapse unfolds, people must understand this is a very fluid situation. Now is not the time to be pointing fingers but instead supporting the victims’ families and conducting a thorough and objective investigation. That being said, as a 45-year veteran of insurance adjusting in Florida, I have seen and been involved…
As policyholders begin to hear back from their insurance company regarding their Hurricane Sally 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…
Most homeowners and business people do not understand the complexities of estimating repair costs. Even with a policy in-hand, there is much to be interpreted and many unique factors that can impact each claim. As the recovery process for Hurricane Sally continues, we’ve received anecdotal evidence from independent adjusters who are telling us they are submitting…
If your Florida home was severely damaged by Hurricane Sally to the extent that it is uninhabitable to live in, most insurance policies provide 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…
There is no questioning the devastation that a hurricane can bring. Hurricane Sally brought severe winds, flooding, wind driven rain, tornadoes and widespread power outages. And as we have learned, even the slightest hurricane can cause massive damage. This storm season is no different with storms incurring property insurance claims well outside their main core.…
While we are assisting Condominium Associations and working with property managers trying to manage their Hurricane Sally insurance claim, 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…