As I’ve often said, surviving the storm is rarely the hardest part. The real fight begins in the aftermath — navigating the complex, red-tape-filled insurance claim process that too often leaves policyholders dazed in their most vulnerable moments of need. For those seeking practical insights and guidance after Hurricane Helene or Milton, I encourage you…
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…
It was a humbling experience meeting with Florida CFO Jimmy Patronis today at the ‘Insurance Village’ in Clearwater, established for Bay Area residents impacted by Hurricane Helene. As Florida’s Chief Financial Officer, Patronis was on-site offering much-needed reassurance to homeowners who lost everything, providing guidance, and outlining steps for relief. During our conversation, we addressed…
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…
As recovery efforts begin after Hurricane Helene, many Floridians are facing the challenge of navigating property damage claims. This is a critical moment, especially given the lessons learned from Hurricane Ian just two years ago. While the focus is understandably on the present, 60 Minutes will be airing a segment tonight titled After the Hurricane, reflecting on Ian’s…
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…
Power outages will be an unavoidable reality for policyholders who are impacted by Hurricane Helene. While some outages last only a few minutes, others can stretch on for days, causing considerable inconvenience and financial loss. From spoiled food in the refrigerator to potential business losses, the aftermath can be burdensome. This brings up an essential question:…
Hurricane Helene is a fast moving large storm system that will impact a large geographic area. You pay good money to insure your property, while hoping never to have to file a claim. But when disaster does strike, you expect your insurance company to have your back. In a perfect world, your insurance carrier will…