Call on a Florida Public Adjuster to Assist You With Your Hurricane Milton or Helene Insurance Claim
A recent opinion of Florida’s Fourth District Court of Appeals involving a Hurricane Wilma homeowner’s claim has a rather startling decision, and not a good one for the policyholder side. The case Hunt v. State Farm highlights the need for policyholders to pay close attention to their claim, their insurance policy language and any communication they receive…
Over the past few weeks we have discussed the increasing activity of the practice of public adjusting without a license and some restoration contractors (some licensed and some who are not) putting “Assignment of Benefit” clauses into their contracts that basically sign over a policyholder’s entire insurance claim proceeds to them. First, let me say…
You can bet at any gathering of a group of Florida licensed public adjusters, the conversation will start off with the question of how many Florida public adjusters currently exist. No question about it, Florida saw an explosion in the ranks of the public adjusting profession since the big four storms of 2004, as compared…
As public adjusters, we tend to see property damage resulting in an insurance claim sometimes well after the damage has been done and errors in filing and estimating the claim or just simple lack of documentation has occurred. Fortunately, policyholders can take a number of steps to protect their property claim. A recent article by…
A recent article from CNN Money Damaged home? How to get an insurer to pay up states that utilizing a public adjuster can help policyholders obtain a fair recovery. As the article states, “Often, policyholders accept low-ball offers from insurers because they don’t know what they’re entitled to, don’t realize how much repairs cost or they’re just…
A recent visit with a homeowner who had the misfortune of dealing with a very bad fire in his home prompts me to write about folks who are out there selling what they may not be licensed or trained to do. In this case, the homeowner said he had previously worked for a restoration contracting…
From Brad Barrett We want to thank Orlando Public Adjuster Brad Barrett for authoring this insurance claim blog. Is there any future for Independent Adjusters? Some insurance companies would want you to believe that you should only see them from behind a glass window in a museum display. Although we Public Adjusters sometimes have a contentious relationship…
Here is an insurance claim question that we recently answered as a contributing member of insurance claim experts for United Policyholders who advocates for property owners. Q. The restoration company who repaired our home after an attic fire caused a contamination of fiberglass insulation by improperly clearing and cleaning the attic from smoke damaged insulation. We know that…
An Orlando area client who filed what they thought was a simple property insurance claim for water damage to their home found them forced out of their home since September of last year due to mistakes made by the “preferred vendors” of their insurance company and the insurance company’s refusal to take responsibility for the situation.…
This 42 page decision Biscayne Cove Condominium Association, Inc. v. QBE Ins. Corp., 2013 U.S. Dist. LEXIS 5194 (S.D. Fla. Jan. 14, 2013) makes for some very interesting reading. The case was one of those late blooming Hurricane Wilma condo claims that I suspect contributed to the thinking that a change in law regarding the time a policyholder…