There were a number of articles over the course of the last few weeks that focused my attention back to the water peril. Spring storms in the middle section of the country with the severe floods that always seem to follow; global warming issues being reported almost daily with the threat of rising sea levels;…
Those who experienced any type of water intrusion from Hurricane Matthew rain and flooding may experience mold infiltration. When claims are delayed and repairs put on hold, it can become a real problem as mold can grow unseen for months and create a serious health hazard. In the past, mold damage claims were covered under most…
Anticipating the 100 year flood event that occurred in my native southern West Virginia was the last thing on my mind when I wrote and published my recent blog Troubled Waters – Insurance Claims Under Attack, about the “Troubled Water Claims” phenomena we are currently experiencing in Florida. But given the fact that Florida’s water problems and…
Here is our 3rd and final installment of questions we are fielding from the flooding in the Columbia and Charleston, South Carolina. Hopefully we can help others seeking similar answers with flood insurance claims issues. Q. How much drywall damage will my flood insurance pay for? A. Some adjusters will only go up to 2 feet, but most…
Here is our 2nd installment of questions we are fielding from the flooding in the Columbia and Charleston, South Carolina. Hopefully we can help others seeking similar answers with flood insurance claims issues. Q. My lower cabinets were damaged by the flood waters. Does my flood insurance pay to match them and pay for my upper cabinets?…
Whenever there is a severe storm like the flooding in the Columbia and Charleston, South Carolina area our inbox gets inundated with questions from policyholders who are entering the insurance claims world for the first time and are seeking answers on how to recover from their damage. Over the next week we’ll publish some of…
While some media outlets are reporting that water is starting to subside in some of the hard hit areas of Columbia and Charleston, others are reporting on the dam failures that could compound matters and make things much worse. If some of the media reports are correct, many of the good folks in South Carolina…
Well, maybe not new, but things are changing and we have seen this coming for some time. In our last blog Tampa Bay Residents Wait on FEMA we noted that staff from FEMA were in the area to inspect the flooding that resulted from three weeks of intense rain. Attempting not to jinx the process, I held…
For those who do 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 Government program with its own rules and regulations. As an example, the NFIP policy…
The no name storm in Tampa has caused widespread water and flood damage in the St. Petersburg and Tampa area. Now that cleanup has begun, many residential and commercial policyholders will submit either a flood (if you have flood insurance) or water damage insurance claim. Make sure you understand the difference between the two before…