Insurance payments to North and South Carolina policyholders with flood damage will depend on the policies they purchased, the language in each policy and the law of each state. Nothing is simple in property insurance adjusting. Hurricane Florence may be a textbook example of some of the issues that may have to be sorted out before there is a discussion about the actual adjustment and payment of a hurricane claim.

Our hearts go out to all the folks in Virginia, North and South Carolina affected by Hurricane Florence and the brave first responders risking their safety to assist others. Based on damage reports and our own public adjuster staff who are monitoring the situation, there is no doubt this event will rival Harvey and create insurance claim disputes unlike we’ve seen before. And if property damage wasn’t enough, the loss of power added misery to the mix. To deal with these perils it behooves property owners to keep their eye on the ball or in this case the money. High percentage hurricane deductibles are being applied and many folks may be surprised that despite their wind or hurricane coverage, they may be out of pocket for mitigation and replacement costs due to lack of flood coverage or exclusions for water - sewer back-up.

As the catastrophic flooding from Hurricane Florence unfolds, thousands of businesses and homeowners who never considered the possibility of dealing with flood damage will be investigating the claim process. We will be sending a team of adjusters to the Carolinas when authorities say it is safe to enter. So in order to offer assistance to our readers, I asked my talented staff of public adjusters to share some of the best tips they could think of for handling a flood claim. The following are some claim tips that hopefully will help folks should they have flood coverage or even windstorm damage.

Will Hurricane Florence become the Hurricane Harvey flooding event of the east coast? While the weather experts debate that issue, there is no doubt one way or another that Hurricane Florence is about to unleash a lot of misery on the mid Atlantic coast. Back in September 1989, Hurricane Hugo hit Charleston South Carolina and downtown buildings had 16 plus feet of water. Myrtle Beach just north of Charleston is now a very large tourist resort community and will have major damage if Florence keeps on its current track.

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

Q. We are survivors of Hurricane Maria. Our property sustained severe damages from the wind and rain. The insurance company´s adjuster reports damages amounting to $36,000. But they are only offering $10,000 arguing that we failed to reassess the property in recent years. As a result, when they apply the per square foot construction cost mandated by the local insurance industry regulator, our property comes out as severely underinsured. We had purchased the property for $125,000 nearly 20 years ago and its value nowadays is below that amount owing to the economic recession.  (Of the $125,000 we paid, the appraisal back then estimated the structure value at $40,000 and the land at $100,000) We are filing a second appeal and are wondering if this is an industry practice.  Any suggestions?

Great job to Orlando Public Adjuster for contributing to the WESH2 Orlando Hurricane Preparation Show that provided insurance claim preparation tips and showed how a public adjuster can help a client recover. See more helpful interviews on our Property Insurance Claim Tips page. Click here to see the segment.

It’s been a while since I have seen Cat 5 hurricane damage.  In fact, the last time was back in 1992 when Hurricane Andrew came ashore in South Florida.  No shortage of Cats 1,2,3, and maybe a 4 in there somewhere in the past 26 years, but trust me, a Cat 5 hurricane catastrophe stands out and those memories will stay with you forever.
 

So, it all came back to me when I visited St. Maarten/St Martin, a Dutch/French island in the Leeward Islands, one of the first in the island chain to be hit by Hurricane Irma eight months ago. This was my first trip back after the storm, but some of my colleagues at Tutwiler & Associates Public Adjusters had already been on the ground shortly after the storm passed, meeting with old clients and signing up new property owners as soon as commercial flights resumed. Eight months later our efforts paid off as our clients’ property insurance claims are settled and the rebuilding planning and construction has started for them.

Q. Hurricane Irma caused damage to our home. No area contractors were able to do any interior repairs in a timely fashion. My wife and I have the skill sets to do drywall repairs, tiling, painting etc. Are we entitled to be reimbursed for our personal labor?

Hurricane Irma insurance adjusting practices in the Florida Keys are coming under scrutiny by the Monroe Country State Attorney. This information came to me via a short audio clip from a radio broadcast aired by US 1 Radio News that covers the Florida Keys. In this broadcast, you can hear Monroe County State Attorney, Dennis Swartz sharing his concerns about insurance company adjuster practices in dealing with policyholders who suffered losses from Hurricane Irma.

I usually don’t talk about Hurricane season or disaster planning this early in the year. But yesterday, a daily weather blog by professional meteorologist Mr. Rocco Calaci who we have great respect for mentioned the following:

“Switching gears…yesterday by former NOAA meteorologist Mr. David Dilley gave a webinar on the upcoming 2018 hurricane season.  Though he provided substantial supporting evidence of his projections, the numbers he stated for this year’s hurricane forecast were sobering.....