Call on a Florida Public Adjuster to Assist You With Your Hurricane Milton or Helene Insurance Claim
Q. I had water damage in my house due to an over flowing toilet. My insurance company said it would pay $8,000 to the restoration company that did the clean-up. The problem is that the restoration company who did the water extraction sent me a bill for $36,000. The insurance company sent me a check for…
Q. I have a friend that lives in a retirement condominium community. They have a condo policy that covers all 8 buildings in the community. The insurance has paid to replace between 98-160 shingles per roof due to hail damage. The HOA by-laws state that the roof color must be the same on all roofs. After…
Q. The city where we live experienced a ten inch water main break that flooded our basement with 4 ft. of water. We hired a public adjuster 10 days ago. Now they are backing out saying there are limitations to what they can do. Should we go with the city’s insurance? Should we find out…
Q. Could one choose to have a larger deductible on hurricane insurance? For example; a 20% or 30% deductible on a $100,000 home? What would be the savings as opposed to a 10% deductible? A.I suspect this is one issue that will be on a lot of people’s minds after Super Storm Sandy and the expected…
Q. We own a home that was built in 1964. Last Saturday our family room ceiling collapsed. There does not appear to be any moisture. The insurance company is telling us it’s normal wear and tear, the insulation was too heavy and thus the damage is not covered. There are no cracks in the ceiling, no…
This question was originally answered by public adjuster Dick Tutwiler for United Policyholders “Ask an Expert” where he contributes his experience to helping property owners who have insurance claim questions. Q. If the mortgage company holds on to my insurance repair check and delays my ability to rebuild my damaged home by hanging onto my insurance check, is…
Q. How much does the insurance company pay for my groceries in case of fire loss? An amount of $500 regardless or I can make an inventory with photos, prices and quantities? A. If you are asking about the value of the food items you had in the house that were lost, the short answer would be the dollar amount…
Ran into an old friend and his wife at a restaurant we both frequent the other night. Bob is a property manager and my firm has not only represented his family but also some of the properties he has managed over the years. I had not seen him for a few weeks and he reminded…
Q. A pipe in my attic broke which caused flooding in a down stairs hall, bedroom and bathroom. When an assessment was done, mold was found. My policy has a cap of $5,000 on mold remediation. The contractor estimates for demolition and repair that are necessary to correct water damage have been categorized as mold remediation…
Q. My vacant property was vandalized (electrical, plumbing, bath & kitchen fixtures were destroyed). The insurance company denied my claim for vandalism as they considered theft was involved. Vandalism is a covered peril, theft is not. The definition of vandalism is not absolute (there are five to seven forms of vandalism, depending on the authority) and,…