The following is an insurance claim question we answered for a policyholder through the United Policyholders Ask an Expert Forum. Q. I live in the path of Irma in Florida and suffered damage to my property. Since the storm and never before, there has been tons of articles in the news, social media and TV commercials playing…
We are getting an unprecedented number of calls from property owners living in condos, who are looking for help following property damage to their building that impacted their unit. This often takes the form of damage to the unit owner’s property, including their personal property as well as items such as carpet, other types of…
Sewage backup is damage public adjusters deal with more than I would like to admit. Without going into a lot of detail regarding the legal cases, (depending on the wording of the policy in question) if the backup is on the insured side of the property line or actually in a plumbing pipe on the…
Those who experienced any type of property damage from the severe hurricanes and file claims early are starting to hear back from their insurance company. Many will learn that the claim settlement amount(s) being offered are not sufficient to pay for their complete loss and damages. Specifically, as the demand for qualified construction workers, roofers,…
There is no questioning the devastation that a hurricane can bring. From severe winds, flooding, wind driven rain, tornadoes, power outages, even the slightest hurricane can cause massive damage. This storm season is no different with Hurricanes Harvey, Irma and Maria incurring property insurance claims well outside their main core. Having been in business since…
We are getting a number of inquiries from policyholders regarding damages to docks, piers and other manmade structures built over or close to the water as a result of Hurricane Irma. Based on personal observations, Hurricane Irma caused unprecedented damage to coastal area structures from wind, water and in some cases, collapse and subsidence which…
As property owners with insurance claims resulting from Hurricane Irma start to receive settlement offers from their insurance company, our public insurance adjusters continue to field calls and questions from people still struggling through the insurance claims process. One question that frequently comes up involves how much roof damage there must be for the entire…
As policyholders begin to hear back from their insurance company, 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. Specifically, as the demand for qualified construction workers, roofers, and building materials increase,…
Many people might be surprised that having an adjuster look at your claim is only the beginning of the insurance claim process. Remember, the field adjuster that inspected your property may not be an employee of the insurance company. They are typically independent adjusters on contract and typically are paid a set fee or percentage…
Based on the volume of phone calls coming into our offices, Florida business and homeowners are quickly turning their attention to recovering from Hurricane Irma. With widespread property damage, many property owners, unfamiliar with the process will be filing an insurance claim for the first time and possibly seeking assistance and advice for their property…