Policyholder Question – Is a Vacation Home Entitled to Additional Living Expenses (ALE)?

Florida Chief Financial Officer comments that Public Adjusters at fault for Hurricane Michael claim settlement delays. But not so fast.

Not surprisingly, CFO Jimmy Patronis’s statement to the press has caused a lot of interest especially from the media, some of whom were in attendance when his comments were made. Following both print and internet articles of the CFO’s opinion, I have gotten a number of calls from various media folks across the state asking me to…

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 If you have questions regarding the…

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…

Hurricane Irma Insurance Claim Settlement Checks – Watch what you sign

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…

Adjusting Expectations for Hurricane Michael Insurance Claims

Adjusting Expectations for Hurricane Michael Insurance Claims

It’s been just over three (3) months since Hurricane Michael decimated Panama City, Mexico Beach and Port St. Joe causing billions of dollars in damage in just those areas alone.  Michael was the strongest hurricane to ever strike the Florida Panhandle, reaching back to the beginning of even fragmentary historical records in 1851. Let’s not…

Hurricane Michael Policyholders Begin to Learn How Law & Ordinance Coverage Will Impact Their Insurance Claim

Hurricane Michael Policyholders Begin to Learn How Law & Ordinance Coverage Will Impact Their Insurance Claim

A lot of properties that experienced Hurricane Michael losses are starting to have Law & Ordinance issues. Law & Ordinance kicks in when the Florida and local building code requirements impact what will be required in order to obtain a CO (Certificate of Occupancy) in order to reoccupy the damaged structure. It is a separate…