Many people might be surprised that having an adjuster look at your claim is only the beginning of the insurance claim process. Remember, the field adjuster that inspected your property may not be an employee of the insurance company. They are typically independent adjusters on contract and typically are paid a set fee or percentage…
Based on the volume of phone calls coming into our offices from Pensacola and surrounding counties, Florida Panhandle business and homeowners are quickly turning their attention to recovering from Hurricane Sally. With the one two punch of widespread flooding and property damage from CAT 2 winds, property owners unfamiliar with the process will be filing…
I’ve had the opportunity to consult with several Condominium Association Boards after major storms like Hurricane Sally. Most of the conversation deals with recommendations for dealing with their insurance company adjuster and contractors that I would like to share with others who may benefit from the same information. First, keep in mind that the Board…
Many business owners and homeowners who experienced damage from Hurricane Sally, are just now being allowed back into areas that were deemed too dangerous to enter. Our thoughts are with all businesses and families affected by Hurricane Sally and the brave first responders risking their safety to assist others. Based on damage reports and our…
Many policyholders impacted by Hurricane Sally will be dealing with flood related issues for the first time. For those who 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…
Insurance payments to policyholders with flood and wind damage from Hurricane Sally will depend on the policies they purchased, the language in each policy and the laws of each state where the damage occurred. The media is reporting widespread inland flooding, and there are reports that many property owners whose property was damaged by flood…
The slow-moving Hurricane Sally has caused a combination of wind, water, roof and flood damage that will surely complicate the insurance claims process. As homeowners are allowed to return and begin the clean-up and recovery process, many residential and commercial policyholders will submit an insurance claim for storm damage to their property. The Public Adjusters…
Q. My insurance company’s adjuster is saying that they don’t pay for “cosmetic damage”. After many conversations with him and the contractor, he finally admitted some hail damage but estimated almost exactly the amount of my deductible, $1,000. The contractor I hired is very reputable and had all kinds of chalk marks on my roof which…
The case for and against coverage detailed in this Washington Post article about restaurants suing insurance companies over unpaid claims. Still looks grim for the insured in my view but worth seeing if your policy has the virus exclusion. These restaurants will be long gone by the time these lawsuits are resolved. Only hope is if…
With the extensive wind and damage caused by the Nashville tornadoes, we are seeing policyholders rushing to get damages assessed. Both insurance company adjusters and many inexperienced contractors are eyeballing roof damage and recommending partial repairs based on simple visual inspection. This is going to cause terrible problems in the future as flying debris can…