As recovery efforts continue in the wake of Hurricane Helene, Tropical Storm Milton has now formed and is projected to bring heavy rainfall and potential flooding to parts of Florida in the coming days. We’ve already received calls from clients in Jacksonville, and we anticipate more to come. Many of my neighbors here on the…
It was a humbling experience meeting with Florida CFO Jimmy Patronis today at the ‘Insurance Village’ in Clearwater, established for Bay Area residents impacted by Hurricane Helene. As Florida’s Chief Financial Officer, Patronis was on-site offering much-needed reassurance to homeowners who lost everything, providing guidance, and outlining steps for relief. During our conversation, we addressed…
Since Hurricane Helene impacted Florida’s Gulf Coast, our public adjusters have been besieged with questions about flood claims. Therefore, I thought it would be helpful and hopefully educational to explain the distinction between a flood event and a water loss since these terms are often misused by policyholders filing a claim. In addition, for those…
Hurricane Helene has dealt a devastating blow up and down Florida’s Gulf Coast. Businesses and homeowners need to stay patient and protect their claim. While you wait for the insurance company to send out an adjuster, insurance companies will be requesting the following documentation from owners or their representatives: Receipts or invoices for any recent…
Hurricane Helene will produce all kinds of flood claim issues and conflicts with wind related water damage. We believe National Flood will waive the Proof of Loss deadline requirement so look for an extension to the time frame. We’ve revived a very popular blog on understanding flood where our talented staff of public adjusters shared…
As a follow-up to our insurance claim tips blog post yesterday, some of the calls and reports we are receiving in the aftermath of Hurricane Debby are quite alarming. Residents of the Lakewood Ranch community are reporting extensive flood damage to homes and cars, along with critical care needs due to heart attacks, electrocutions, and other emergencies…
Since Hurricane Idalia impacted Florida’s west coast, our public adjusters have been besieged with questions about flood claims. I also noticed from initial state claims data that many claims are being closed without payment. This may be due to policyholders not understanding what is covered under their homeowner’s policy vs. their flood policy, if they…
Policyholders who were impacted by Hurricane Idalia flooding will soon be faced with fully complying with the terms and conditions of their flood policies. One of those tasks is the filing a Proof of Loss (POL), which to the layman can be as complex as building a house with no construction experience. Not surprisingly, our…
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…
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…