It is extremely important to have records of your property’s condition in the event that you need to file a claim with your insurance company. Based on current assessments, Hurricane Debby is expected to cause significant losses from Ft. Myers in Southwest Florida, Sarasota to Clearwater St. Petersburg, and especially into Tampa Bay. Right now,…
As the Champlain Tower collapse unfolds, people must understand this is a very fluid situation. Now is not the time to be pointing fingers but instead supporting the victims’ families and conducting a thorough and objective investigation. That being said, as a 45-year veteran of insurance adjusting in Florida, I have seen and been involved…
Based on all the news from various media sources and real time reporting, this Texas weather event that caused power outages frozen pipe bursts and water damage is going to be a monster. Clients we have spoken with along with claim adjusters assigned to our losses are describing unprecedented conditions with damages to homes and…
Q. We moved into our new house and within a few weeks, the sewer backed up into the shower and leaked out of the shower pan all over the downstairs area (very stinky!). Everyone agrees this is considered a “Category 3” leak. Remediation company came and took out the tile, flooring, a lot of drywall and…
Citizens has changed the coverage in their policies for non-weather water losses. Now the limit is $10,000 unless you use one of their managed repair companies. Unfortunately, AOB abuse and the resulting spike in litigation have prompted these restrictions further putting the insured at risk and lessening the value of their coverage. Keep in mind…
Make no mistake about it, the assignment of benefits controversy as evidenced by its reported abuse in the property insurance arena in the last decade has to have been one of the top scams I have witnessed in my 46-year career. And to top it off, it was all legal, albeit I would guess at…
Our public adjuster offices settle many claims each month. Here is one written up by our Pittsburgh Public Adjuster, Mr. Zach Flora. It’s a good lesson about digging into the details and taking charge of your claim. On August 25th a Pittsburgh family of 3 were away enjoying a fun filled family vacation when they received…
After receiving a low initial offer from their insurance company for a water damage claim resulting from a leaking shower pan on the 2nd floor, these Lithia, Fl homeowners decided to see if a public insurance adjuster could help them with their insurance claim. They contacted Tampa Public Adjuster, Scott Luginski and indicated they were unfamiliar with the…
Several years ago, we started seeing property insurance policies with new very restrictive language that attempted to exclude water losses based on the subjective opinion of some as to when the water loss occurred and caused damages. It was my opinion that this 14 day limitation would be very bad for folks in Florida, as…
Florida’s condominium community, it’s heads up time up for this year’s hurricane season and the escalating threat as we approach the most active time for tropical storm development. A few new releases from some of the weather pundits raised the possibility of more tropical storms this year. This is the second time this year the…