On Property Insurance Claim Tips Blog

How the appraisal process may help you settle your Hurricane Michael damage claims

How the appraisal process may help you settle your Hurricane Michael damage claims

We were happy to contribute to the 1 year anniversary of Hurricane Michael with information on appraisal as policyholders continue to try and settle their property claims. Thank you Panama City News Herald for running this article: How the appraisal process may help you settle your Hurricane Michael damage claims

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On the Ground for Hurricane Dorian Claims Recovery

On the Ground for Hurricane Dorian Claims Recovery

Our adjusters are on the ground in the Bahamas helping clients with damage from Hurricane Dorian start the insurance claims process. The devastation shows the power of Mother Nature but the Bahamian people are strong in spirit and will recover. Don't forget, humanitarian help will be needed for some time.

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Hurricane Dorian and The Bahamas – The Time for Giving is Now

Hurricane Dorian and The Bahamas – The Time for Giving is Now

The unimaginable destruction of property and loss of life on Grand Bahama Island and the Marsh Harbor community is heart- wrenching to say the least. I have seen a lot of the destruction and the human misery that follows in the aftermath of hurricanes and other disasters in my 45-year career as an insurance professional and public adjuster, but the videos and now live reporting coming out of the Bahamas is simply unprecedented.

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Bahama Relief Efforts Underway – Donations Needed

Bahama Relief Efforts Underway – Donations Needed

As reports and video of the Hurricane Dorian devastation come in, the devastation and human tragedy is mind numbing. Our thoughts and prayers are with all those in the Bahamas and with those who will be part of the relief efforts. We expect the impacted areas to be unsafe for Public Adjusters and other professionals for some time. For those who are so inclined, I wanted to share a very good Hurricane Dorian Donation article from The Identity on reputable organizations that will be at the forefront of the relief effort and also a list of supplies needed. In the meantime, we will do what we can to answer policyholder insurance claim questions regarding Hurricane Dorian damage and steps they should be taking. I challenge everyone, especially those in the insurance claims industry to find a way to donate to the Bahama’s relief effort.

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Hurricane Dorian Should be a Wake-up Call to All

Hurricane Dorian Should be a Wake-up Call to All

Our hearts and prayers go out to all those impacted by Hurricane Dorian. Preliminary reports indicate 13,000 structures destroyed and $25 billion in damage, not to mention the catastrophic flooding. As I’ve listened to all the anxious questions from callers concerned about Dorian and conferred with our Florida Public Adjuster professionals, one common theme prevailed.

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The Hurricane Dorian Dilemma

The Hurricane Dorian Dilemma

Historically, Labor Day storms have not been kind to Florida and Hurricane Dorian has proven to be no exception.  Although Dorian’s final trajectory and impact on Florida remains uncertain, many State agencies, aerospace companies, businesses and thousands of residents have spent millions of dollars bracing for Dorian and its potential for an unprecedented impact. Our public adjuster staff is not sure if we will be heading into a Cat 5 disaster area to help with insurance claims or fielding calls from minor damage.   

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Hurricane Dorian Insurance Claim Tips as it Sets its Sights on Florida

Hurricane Dorian Insurance Claim Tips as it Sets its Sights on Florida

No doubt about it, Hurricane Dorian is coming to Florida. We just don’t quite know where yet as the path continues to evolve. Currently, our firm is fielding many calls from prior clients and many others who are actively seeking professional claims representation in the event Hurricane Dorian causes damage to their property.  As such, our expert adjusters are working tirelessly to prepare communities and clients for the inevitable.  Before it’s too late, we encourage everyone to contact their Insurance Agent to obtain copies of their policies and ask the right questions so that they understand their Coverages, Policy Limits, Exclusions, Deductibles, etc.

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The Property Insurance Claims Game – The Storm After the Storm Continues

The Property Insurance Claims Game – The Storm After the Storm Continues

The Tampa Bay Times published an article in their editorial page this past week titled, “Stop Giving Hurricane Victims the Run Around” which in my humble opinion is well worth the time to read. For the most part I could not agree more with this commentary as we have seen this “run around” for years.  Clearly history has shown us that when mass catastrophic events occur, one’s expectations are that significant confusion and chaos in the early weeks, especially when first responders are mobilizing to respond to life, health, and safety issues will be the rule.

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The Property Insurance Claims Games Continue for Hurricane Michael Policyholders

The Property Insurance Claims Games Continue for Hurricane Michael Policyholders

Read an excellent feature article by the Tampa Bay Times this weekend on how policyholders are still being denied claims dollars that will help them recover from Hurricane Michael. Our public adjusters continue to battle and negotiate for homeowners and business owners. Some insurance companies are very professional while others continue to play the deny and delay game.

 https://www.tampabay.com/florida/2019/06/26/hurricane-michael-destroyed-their-homes-then-the-insurance-heartache-began/

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Policyholder Question – Will the bank holding my mortgage release my insurance settlement?

Policyholder Question – Will the bank holding my mortgage release my insurance settlement?

When a homeowner files an insurance claim, the last thing they expect is having to include their mortgage holder on the check. But this is usually the case and cause settlement delays and confusion depending on how the mortgage holder processes the settlement. The following is a related insurance claim question we answered submitted by a policyholder.

Q. I have a VA loan through TD Bank whose main office is in Lewiston, Maine. I live in Florida and retained a public adjuster to help me deal with my insurance claim. I suffered severe damage from Hurricane Michael on 10/10/18. Do you think I will have any problems with the bank releasing insurance proceeds directly to me seeing as it could be an inconvenience for the bank with me living so far away? Also, what records will the insurance company require if I do some of the work myself and have others help me?

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