St. Augustine public adjuster

Hurricane Matthew Policyholder Question – Out of town policyholder filing a claim for a vacation home

by Charles R. Tutwiler on 11/23/2016

Q. I have a vacation home near Daytona Beach that was damaged by Hurricane Matthew. Because I am in Kentucky, do I need to physically see the damage myself before calling my insurance company or can I go from pictures of my home from my neighbors?

A. If you have photos that show damages from Hurricane Matthew to your insured property, by all means report the loss to your insurance carrier as soon as possible. I would suggest you email the photos to the claim office.....click to read the rest of the answer.

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Is Your Hurricane Matthew Mold Insurance Claim Covered?

by Charles R. Tutwiler on 11/11/2016

Those who experienced any type of water intrusion from Hurricane Matthew rain and flooding may experience mold infiltration. When claims are delayed and repairs put on hold, it can become a real problem as mold can grow unseen for months and create a serious health hazard. In the past, mold damage claims were covered under most property insurance policies when it resulted from a covered peril, such as a sudden plumbing leak, fire control, storm or other cause covered under your policy. However, some insurance carriers have been removing or scaling back mold coverage from their policy forms regardless if it results from a covered peril. In some instances, the insurance companies offer limited coverage for mold and fungus for an additional premium payment.
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Hurricane Matthew Flood Victims Need to Understand the Nuances of Flood Insurance Claims

by Charles R. Tutwiler on 11/7/2016

Hurricane Matthew caused widespread flooding in St. Augustine, Jacksonville and other parts of the coast. 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 a Federal Government program with its own rules and regulations. Keep in mind that many private insurance companies resell and administer the NFIP policies so make sure you confirm if your flood policy falls under this program.
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Hurricane Matthew Policyholder Question – Out of town policyholder filing a claim for a vacation home

Is Your Hurricane Matthew Mold Insurance Claim Covered?

Hurricane Matthew Flood Victims Need to Understand the Nuances of Flood Insurance Claims

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