Since Hurricane Helene impacted Florida’s Gulf Coast, our public adjusters have been besieged with questions about flood claims. Therefore, I thought it would be helpful and hopefully educational to explain the distinction between a flood event and a water loss since these terms are often misused by policyholders filing a claim. In addition, for those…
Hurricane Helene has dealt a devastating blow up and down Florida’s Gulf Coast. Businesses and homeowners need to stay patient and protect their claim. While you wait for the insurance company to send out an adjuster, insurance companies will be requesting the following documentation from owners or their representatives: Receipts or invoices for any recent…
Storm surge and wind from Hurricane Helene has created significant damage along the Gulf Coast. Experiencing wind damage or flood in your home or business can be distressing, and the aftermath can often be overwhelming. One of the critical steps post-storm is to document the damage for insurance claims accurately. Proper documentation not only helps…
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…
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…
Policyholders who were impacted by Hurricane Idalia flooding will soon be faced with fully complying with the terms and conditions of their flood policies. One of those tasks is the filing a Proof of Loss (POL), which to the layman can be as complex as building a house with no construction experience. Not surprisingly, our…
We’ve revived a very popular blog for the benefit of Hurricane Idalia property owners on understanding flood where our talented staff of public adjusters share some of the best tips they could think of for handling a flood claim. The following are some tips that hopefully will help folks should they have flood coverage. Remember…
Based on current forecasts, it appears Hurricane Idalia will create significant flooding from Sarasota to St. Petersburg and especially into Tampa Bay the likes that this Florida public adjuster has not seen. Storm surge coinciding with a full moon and high tides may produce some surprises and property owners should prepare for the worst. In…
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…
Hurricane Ian is producing all kinds of flood claim issues and conflicts with wind related water damage. National Flood seems to be responding well in some cases but others are frustrated and confused. We just received a $100K advance for one of our clients and we’ve seen some issuing $15K advance for contents and others…