FEMA Flood

FEMA 50% Rule: Rising Above Challenges and Learning from the Past—What’s the Real Story?

by Rick Tutwiler on 11/26/2024

In Florida, this lack of awareness is especially apparent in the ongoing debate over FEMA’s 50% Rule — a crucial regulation for post-disaster rebuilding that has recently taken center stage in the media. Despite its long-standing significance in guiding recovery after major flood disasters, public awareness remains surprisingly low. What’s even more troubling is the persistent spread of misinformation, often repeated by community leaders, so-called experts, and local building officials. These inaccuracies, amplified by media coverage, lead to widespread misunderstanding, with many mistakenly assuming the rule applies uniformly across all communities. This confusion creates significant challenges for agencies and experts striving to provide clear guidance during critical times.
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Public Adjuster Tips for Navigating Your Hurricane Helene Flood Insurance Claim

by Rick Tutwiler on 9/27/2024

Hurricane Helene will produce all kinds of flood claim issues and conflicts with wind related water damage. We believe National Flood will waive the Proof of Loss deadline requirement so look for an extension to the time frame. We’ve revived a very popular blog on understanding flood where our talented staff of public adjusters shared some of the best tips they could think of for handling a flood claim. The following are some tips that hopefully will help folks should they have flood coverage.
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Expert Insights: Public Adjuster Reveals Key Flood Claim Strategies & Hurricane Idalia Updates for Policyholders

by Rick Tutwiler on 9/8/2023

Since Hurricane Idalia impacted Florida’s west coast, our public adjusters have been besieged with questions about flood claims. I also noticed from initial state claims data that many claims are being closed without payment. This may be due to policyholders not understanding what is covered under their homeowner's policy vs. their flood policy, if they have one. We are receiving concerning feedback from policyholders who are feeling frustrated in the initial stages of the claims process, especially from the moment they report their first notice of loss.

Public Adjuster Tips for Handling Your Hurricane Idalia Flood Insurance Claim

by Rick Tutwiler on 8/31/2023

We’ve revived a very popular blog for the benefit of Hurricane Idalia property owners on understanding flood where our talented staff of public adjusters share some of the best tips they could think of for handling a flood claim. The following are some tips that hopefully will help folks should they have flood coverage. Remember flood insurance is a separate policy from your standard homeowners insurance and covered under the National Flood Insurance Program (NFIP). Private insurers also sell under this program. A standard homeowners policy “will not” cover flood defined as rising water. Standard policies will cover wind driven rain or any moisture coming from above such as roof leaks.
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Hurricane Ian Policyholders Can Benefit from Lessons Learned after Superstorm Sandy

by Rick Tutwiler on 11/1/2022

Every day, clients ask questions about the claims adjusting process. Recently, a client and retired home builder affected by Hurricane Ian asked me, how much insurance company adjusters make? I probed, “Why do you ask?” The response, “My insurance company has sent 5 different people to inspect my roof damage and the amount they're paying these people is probably more than the cost to replace my roof!”
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FEMA 50% Rule: Rising Above Challenges and Learning from the Past—What’s the Real Story?

Public Adjuster Tips for Navigating Your Hurricane Helene Flood Insurance Claim

Expert Insights: Public Adjuster Reveals Key Flood Claim Strategies & Hurricane Idalia Updates for Policyholders

Public Adjuster Tips for Handling Your Hurricane Idalia Flood Insurance Claim

Hurricane Ian Policyholders Can Benefit from Lessons Learned after Superstorm Sandy

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