FEMA 50% Rule: Rising Above Challenges and Learning from the Past—What’s the Real Story?

FEMA 50% Rule: Rising Above Challenges and Learning from the Past—What’s the Real Story?

The 2024 Florida hurricane season year has been exceptionally busy and deeply impactful. Especially for those of us in the Tampa Bay region. For many, the effects are devastatingly real; for others, recovery has just begun. Tragically, some communities face complete replacement, leaving scars that may never heal. Writing this, I feel compelled to acknowledge…

Public Adjuster Tips to Protect Your Hurricane Debby Insurance Claim

Public Adjuster Tips for Navigating Your Hurricane Helene Flood Insurance Claim

Hurricane Helene will produce all kinds of flood claim issues and conflicts with wind related water damage. We believe National Flood will waive the Proof of Loss deadline requirement so look for an extension to the time frame. We’ve revived a very popular blog on understanding flood where our talented staff of public adjusters shared…

Expert Insights: Public Adjuster Reveals Key Flood Claim Strategies & Hurricane Idalia Updates for Policyholders

Expert Insights: Public Adjuster Reveals Key Flood Claim Strategies & Hurricane Idalia Updates for Policyholders

Since Hurricane Idalia impacted Florida’s west coast, our public adjusters have been besieged with questions about flood claims. I also noticed from initial state claims data that many claims are being closed without payment. This may be due to policyholders not understanding what is covered under their homeowner’s policy vs. their flood policy, if they…

Hurricane Ian Policyholders Can Benefit from Lessons Learned after Superstorm Sandy

Hurricane Ian Policyholders Can Benefit from Lessons Learned after Superstorm Sandy

Every day, clients ask questions about the claims adjusting process. Recently, a client and retired home builder affected by Hurricane Ian asked me, how much insurance company adjusters make? I probed, “Why do you ask?” The response, “My insurance company has sent 5 different people to inspect my roof damage and the amount they’re paying these people…