Hurricane Matthew caused widespread flooding in St. Augustine, Jacksonville and other parts of the coast. For those who have flood insurance, we encourage you to review and pay close attention to your flood policy’s terms and conditions. The policies issued by the National Flood Insurance Program (NFIP) are unique because they fall under a Federal…
As property owners with insurance claims resulting from Hurricane Matthew 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 resulting from Hurricane Matthew. One question that frequently comes up involves how much roof damage there must…
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. This is common when there is widespread damage to a geographic area and…
With the widespread property damage caused by Hurricane Matthew, many property owners will be seeking out assistance and advice for their insurance claim. One of the most common questions we receive as these calls come into the office revolves around the benefits of hiring a public insurance adjuster. It still amazes us that so many…
After 10 years of a hurricane drought, Florida has experienced two named Hurricanes, Hermine and Matthew. Our hearts go out to all the folks affected by Hurricane Matthew. Based on damage reports and our own public adjuster staff who are out helping policyholders, it looks like the worst of the damage goes from Melbourne up…
It’s looking increasingly probable that Hurricane Matthew will impact and cause property damage to some parts of Florida’s east coast and further up the coast into Georgia and South Carolina. This type of storm can throw off tornado activity and small pockets of heavy wind gusts. As a result, thousands of homeowners may be contacting…
As often happens in the adjusting business, you think you have seen or know most of the issues. But then a surprise comes along and you realize there is always something new in the business of property insurance adjusting. To put it another way, you don’t know what you don’t know. So here is what…
As we continue to help our clients who experienced winter storm damage, settle their insurance claims, we are learning more and more about insurance company claim practices and procedures, some which is quite troubling. This winter in the northeast, we endured some grueling battles with insurance companies which I will detail below. No doubt, insurance…
Policyholders in Pensacola, Destin, Gulf Breeze and Ft. Walton Beach might be surprised that having an adjuster look at your claim is only the beginning of the process. Remember, the field adjuster that inspects your property may not be an employee of the insurance company. They are typically independent adjusters on contract and typically are paid a set…
Throughout my career, I have always been amazed about the fact that financial institutions like mortgage companies, banks and credit unions, all who have a stakeholder’s interest in a property, (either through a mortgage or some type of financial interest or obligation) never seem to question a claim payment made by an insurance company following…