On Property Insurance Claim Tips Blog

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 that there will still be older policies out there that have not changed based on renewal dates. But going forward be aware of this limit for water losses with Citizens.

Also note that Citizens aggressively pursues questionable water losses. If you are a policyholder, make sure your claim is legit and don’t be pushed into a claim by an overly aggressive restoration company or public adjuster.

https://www.citizensfla.com/documents/20702/10091213/20190612+08B+SIU+Cases+of+Interest.pdf/dfac956d-e86f-4fd0-92d6-96081d69ed2f

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 a call from a neighbor that quickly turned their sunshine to clouds. The neighbor called with the horrible news that their garage door was mysteriously open and water was pouring out onto the driveway. 

Due to the widespread, wind, flood and water damage caused by Hurricane Florence, there is likely to be a shortage of insurance adjusters to handle the volume of claims that will be reported to both the government (FEMA) and the private sector insurance carriers. For those of us in the business, we see it after every major storm. The rush to get damages assessed, by insurance company adjusters and the many inexperienced contractors eyeballing damages, will create impediments to solving policyholder claims.

On February 21, 2018 the policyholder experienced a category 3 water loss in her Carnegie, Pittsburgh home from a broken stack pipe that runs from the second floor bathroom through the kitchen, which in return sent sewage throughout these areas of the home. Immediately upon noticing the damage the homeowner called a restoration company to mitigate the damage and called her insurance company to report the damage. Not knowing what other options she might have, she followed her insurance company’s instructions and sent their claim adjuster a few days later to inspect the loss.

After receiving a low initial offer from their insurance company for a water damage claim resulting from a leaking shower pan on the 2^nd 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 claim process and simply did not have the time or knowledge to deal with the frustration of an insurance claim and negotiating a better settlement.  Once retained, Scott was able to inspect the property and noticed a considerable amount of unaccounted damage. 

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 well as snowbirds who own property and only reside here six or so months a year.

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 threat level has been raised for an increase in tropical storms in 2017. One respected weather guru who publishes a daily blog is sharing his concerns about all the weather waves moving off of Africa. So as they say, game on! 

The following is an insurance claim question we answered for a policyholder through the United Policyholders Ask an Expert Forum.

Q. We had a dishwasher leak into my cabinets and on my engineered hardwood floors. A claim was filed. Independent adjuster came out. When I got my estimates done they came out higher. Insurance already sent a check to us for 45kand repairs are at 65k. Now they want to send out a staff adjuster. My question is can they take money back if their staff adjuster doesn't come out with the same figures when they've already sent payment and notice? We did well on our first adjustment but I am worried that the second adjuster might not be as much in my favor.

There were a number of articles over the course of the last few weeks that focused my attention back to the water peril.  Spring storms in the middle section of the country with the severe floods that always seem to follow; global warming issues being reported almost daily with the threat of rising sea levels; and then this recent article, Flood recovery meeting set in White Sulphur Springs  from The Herald-Dispatch in West Virginia, that announced meetings with various officials to try and provide updates to the folks in southern West Virginia who were affected by last year’s floods in the mountain state. 

Ken and Joan spent their working lives in public service, Ken as an educator, and Joan as a nurse. It was their dream to have a vacation home in a warm climate so they purchased a condominium in Bonita Springs, Florida. A contractor error caused a pipe break in a unit above theirs and entirely flooded their home with hundreds of gallons of water. They were notified and drove down to Florida to inspect the damage and meet with their insurance company. That’s when the insurance claim problems began.