Call on a Florida Public Adjuster to Assist You With Your Hurricane Milton or Helene Insurance Claim
Q. We own a home that was built in 1964. Last Saturday our family room ceiling collapsed. There does not appear to be any moisture. The insurance company is telling us it’s normal wear and tear, the insulation was too heavy and thus the damage is not covered. There are no cracks in the ceiling, no…
Q. How much does the insurance company pay for my groceries in case of fire loss? An amount of $500 regardless or I can make an inventory with photos, prices and quantities? A. If you are asking about the value of the food items you had in the house that were lost, the short answer would be the dollar amount…
Here’s a question I was asked to answer on the United Policyholders website: Q. My home was contaminated by sewer on May 7 and again on May 22 this year by a prime contractor hired by a state municipality MSD Metropolitan sewer District here in Asheville North Carolina. From what I understand, this is a third-party claim. The insurance company has done…
I was watching one of the “Homeowners Policy & Claims Bill of Rights Working Group” meetings the other day when a segment of the meeting featured a homeowner couple who took the time to appear at the meeting and tell their story about their insurance loss and claim that resulted from an unfortunate fire in…
Ran into an old friend and his wife at a restaurant we both frequent the other night. Bob is a property manager and my firm has not only represented his family but also some of the properties he has managed over the years. I had not seen him for a few weeks and he reminded…
On September 11th last year, Rick and I flew to New York City for a planned meeting with Anderson Kill Loss Advisors, and a group of the nation’s top public adjusters at the Manhattan law offices of Anderson Kill. The purpose of the meeting was to meet and discuss current events and future plans for this…
Q. A pipe in my attic broke which caused flooding in a down stairs hall, bedroom and bathroom. When an assessment was done, mold was found. My policy has a cap of $5,000 on mold remediation. The contractor estimates for demolition and repair that are necessary to correct water damage have been categorized as mold remediation…
Q. An insurance adjuster came and inspected our house for roof damage following a hail storm. He indicated that only part of the roof needed repair. In the process of getting off the roof, he slipped and caused some damage to the roof and to the gutters which he added to the coverage. I have heard…
Q. My vacant property was vandalized (electrical, plumbing, bath & kitchen fixtures were destroyed). The insurance company denied my claim for vandalism as they considered theft was involved. Vandalism is a covered peril, theft is not. The definition of vandalism is not absolute (there are five to seven forms of vandalism, depending on the authority) and,…
Q. I own an apartment complex that got hit by lightning. It seems electronics in multiple units is randomly going out. Does this make sense? If I file a claim, it looks like it should have just hit one or 2 buildings instead of 8 or 9. Will I have trouble getting a proper settlement? Unfortunately, I just…