Policyholder Question – Why is my insurance carrier claiming non-recoverable depreciation?

Policyholder Question – Why is my insurance carrier claiming non-recoverable depreciation?

The following is an insurance claim question we answered for a policyholder through the United Policyholders Ask an Expert Forum. Q. In my original claim, my insurance company said that my 98 year old mother had replacement coverage. We’ve gone through her contents and submitted a statement of loss. In our findings, most of her contents were…

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Hurricane Disaster Planning 2017 - Suggestions from an insurance claim expert

Hurricane Disaster Planning 2017 – Suggestions from an insurance claim expert

“Recovery from a hurricane is a difficult, long term process,” says Craig Fugate, former FEMA National Emergency Management Director. Listening to all the pundits talk and write about  2017 hurricane disaster planning, I was reminded about the former big Wall Street brokerage firm, E. F. Hutton and their tag line that ran with commercials some…

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Policyholder Question – Challenging a Restoration Bill After a Fire

Policyholder Question – Challenging a Restoration Bill After a Fire

The following is an insurance claim question we answered for a policyholder through the United Policyholders Ask an Expert Forum. Q. We had a fire in our split-level duplex. The downstairs unit was a complete loss and the upstairs had smoke damage. Upon further inspection, the entire structure had to be brought up to code which totaled…

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Public Adjuster Uses Good Property Insurance Adjusting Practices to Win a Fair Claim Settlement for Condominium Owners

Public Adjuster Uses Good Property Insurance Adjusting Practices to Win a Fair Claim Settlement for Condominium Owners

Ken and Joan spent their working lives in public service, Ken as an educator, and Joan as a nurse. It was their dream to have a vacation home in a warm climate so they purchased a condominium in Bonita Springs, Florida. A contractor error caused a pipe break in a unit above theirs and entirely…

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Florida’s aging population and preparing for the next big natural disaster

Last week I got a call from a writer based in Florida who is doing an article for the AARP Magazine (American Association of Retired People). The reporter was doing research to coordinate information that may be useful to folks whom may have the unfortunate experience of suffering through a catastrophic event that many of us in…

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