Your property or business suffered damage during Hurricane Irma. You promptly filed a claim or had a public insurance adjuster document and file the claim for you. A check from the insurance company appears in the mail. Great! How easy could it be? But wait, there’s a catch…..on the back of your check there is…
The title for this blog popped in my head based on a question sent into our firm about property insurance policy adjusting practices and procedures related to Hurricane Irma claims. Here is the question sent in from a resident in one hard hit area of Florida: Policyholder Question: I received a claim check from the…
The following is an insurance claim question we answered for a policyholder through the United Policyholders Ask an Expert Forum. Q. I made several requests for different reimbursements after a fire for things like mileage, replacement of computer equipment, and laundry expenses. I made the request two months ago and provided all necessary documentation. This is taking…
Property owners who were impacted by Hurricane Irma and filed a property insurance claim are starting to receive settlement offers from their insurance company. Some are shocked at the settlement offer they receive. Sometimes our firm will be retained by a homeowner only to receive a call several weeks later to say the insurance company adjuster…
A lot of properties that experienced Hurricane Irma losses will have Law & Ordinance issues. Law & Ordinance kicks in when the Florida building code requirements impact what will be required in order to obtain a CO (Certificate of Occupancy) in order to reoccupy the damaged structure. It is a separate coverage in your policy…
If the inquiries coming into our offices are any guide, policyholders are receiving settlement offers for their insurance claims and many are not happy and in some cases shocked at the offer they are receiving. Most often we are told the offer does not remotely cover the cost of repairs based on estimates local contractors…
We want to thank Pittsburgh Public Adjuster Zach Flora for contributing the following success story. A real estate owner of multiple properties experienced a 3 alarm fire at one of their apartment buildings located in the Hill District area of Pittsburgh on November 2016. The building suffered significant fire, water and smoke damage. Upon reporting the loss to…
Q. We had a dishwasher leak into my cabinets and on my engineered hardwood floors. A claim was filed. Independent adjuster came out. When I got my estimates done they came out higher. Insurance already sent a check to us for 45kand repairs are at 65k. Now they want to send out a staff adjuster. My…
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…
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…