y now folks in Florida are finding out how little they are going to get paid for their insurance claim damages from Hurricane Irma. Our office is being bombarded with calls and emails from policyholders seeking help and answers about their property insurance losses from Hurricane Irma. Not surprising a lot of the frustration is…
The title for this blog popped in my head based on a question sent into our firm about property insurance policy adjusting practices and procedures related to Hurricane Irma claims. Here is the question sent in from a resident in one hard hit area of Florida: Policyholder Question: I received a claim check from the…
The following is an insurance claim question we answered for a policyholder through the United Policyholders Ask an Expert Forum. Q. Does the insurance company pay Overhead & Profit to the insured in Florida for reconstruction of property damage? What percentage is allowed? A. On the surface this is a simple straight forward question but not always a…
The following is an insurance claim question we answered for a policyholder through the United Policyholders Ask an Expert Forum. Q. Our insurer rejected our mold claim, even though we have additional coverage for mold, as well as for, “Sudden and accidental tearing apart, cracking, burning or bulging of a steam or hot water heating system, an…
The following is an insurance claim question we answered for a policyholder through the United Policyholders Ask an Expert Forum. Q. I live in St Thomas. My house suffered substantial damage from Irma and Maria. It is a two level house with a 3rd level apartment. The upper level is missing the roof and the bottom…
The effects of Hurricane Irma’s wind and rain damage are still apparent throughout Florida and the Caribbean. Roofing crews and blue tarps are ubiquitous wherever you travel. While the blue roofs are obvious, what may not be so obvious are damages that may have resulted to electrical and mechanical systems in your home or building…
Many of the calls we get from policyholders lately, regarding their Hurricane Irma insurance claim goes a little like this: “Roof damage caused bedroom flood, water running down the wall, water came in the front door, sheet rock and crown molding are ruined, now mold growing causing health concern.” Most homeowners will have a limit…
Policyholders who experienced any type of water intrusion from Hurricane Irma may experience mold infiltration. When claims are delayed and repairs put on hold, it can become a real problem because mold can grow unseen for months and create a serious health hazard. Many of those who contact our firm report mold issues. To get…
Property owners who were impacted by Hurricane Irma and filed a property insurance claim are starting to receive settlement offers from their insurance company. Some are shocked at the settlement offer they receive. Sometimes our firm will be retained by a homeowner only to receive a call several weeks later to say the insurance company adjuster…
If the inquiries coming into our offices are any guide, policyholders are receiving settlement offers for their insurance claims and many are not happy and in some cases shocked at the offer they are receiving. Most often we are told the offer does not remotely cover the cost of repairs based on estimates local contractors…