Many people might be surprised that having an adjuster look at your damage after a storm like Hurricane Milton is only the beginning of the insurance claim process. The field adjuster that inspected your property may not be an employee of the insurance company. They are typically independent adjusters on contract and typically are paid a set fee or percentage for each claim they handle. This is especially true during disaster situations when there are so many claims to adjust, there is a shortage of qualified adjusters, and they are hard pressed to get to as many claims as possible. Ask what firm they are with when they come to inspect your property and note how thorough they are recording your damage and if they are “listening” to you.
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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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Power outages will be an unavoidable reality for policyholders who are impacted by Hurricane Helene. While some outages last only a few minutes, others can stretch on for days, causing considerable inconvenience and financial loss. From spoiled food in the refrigerator to potential business losses, the aftermath can be burdensome. This brings up an essential question: Does your insurance policy cover losses stemming from a power outage?
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Storm surge and wind from Hurricane Helene has created significant damage along the Gulf Coast. Experiencing  wind damage or flood in your home or business can be distressing, and the aftermath can often be overwhelming. One of the critical steps post-storm is to document the damage for insurance claims accurately. Proper documentation not only helps in maximizing your claim benefits but also ensures a smoother claims process. Here are the best tips to help you document and prepare an insurance claim effectively.
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As a follow-up to our insurance claim tips blog post yesterday, some of the calls and reports we are receiving in the aftermath of Hurricane Debby are quite alarming. Residents of the Lakewood Ranch community are reporting extensive flood damage to homes and cars, along with critical care needs due to heart attacks, electrocutions, and other emergencies that have tragically resulted in loss of life. Property owners are stuck in their homes, waiting for the waters to recede, and many are concerned about their coverage since these inland communities, which haven't experienced flooding in over 30 years, are not near the coast. While automobiles will likely be covered, expensive damages to homes may result in numerous liability claims against developers and possibly municipalities. This is an ongoing critical situation, and we are working to assist those calling in need of help.

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The Last House Standing  by Director - Producer George Siegal, is a documentary film that explores why we continue to place cost over safety, while the technology exists to build homes capable of withstanding hurricanes, fires, and tornadoes. The film explores the challenges of post storm recovery and features an interview with our founder, Dick Tutwiler. Watch the Film Here
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Insurance is a cornerstone of risk management, especially when it comes to safeguarding valuable assets like property. However, the concepts of Estimated Maximum Loss (EML) and Probable/Possible Maximum Loss (PML) have been causing ripples of discontent among policyholders. Let's delve into what these terms mean and why they are becoming a concern, especially for commercial clients such as hotels and apartment complexes. 
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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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As numerous clients are in various stages of repairs their Hurricane Ian damaged properties, we would like to share one success story that underscores the invaluable role experienced public adjusters can play contributing to the stability of Florida's challenging insurance market. First, let’s look at an example of what has brought policyholders, claim professionals, state officials, and insurance executives to this point of frustration.

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As we continue to closely monitor Nicole, we wanted to provide you with a few updates.  As Florida learns 2022 midterm election results, undecided is how Nicole will impact insurance companies and how they treat policyholders. We are seeing a steady stream of denied and marginalized claim payouts keeping Ian victims from a fair claim recovery. Here’s what Nicole victims should expect looking beyond the center of the track:
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