Insurance Claim Help

Traversing Insurance Settlement Checks with Your Mortgage Company: It’s No Easy Feat!

If you have a mortgage on your home or business, and you experience major damage or even a total loss, your settlement claim payment checks from your insurance provider will be made payable jointly to BOTH you and your mortgage company. The reason for this is because your mortgage lender has a financial interest in […]

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What to Do When Your Homeowner’s Insurance Claim Is Denied

Imagine paying several hundred or even thousands of dollars on your homeowner’s insurance coverage, only to file a claim and have it denied or have the settlement delayed – leaving you with a dent in your bank account or having to obtain a loan in order to make the repairs in the meantime. According to […]

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Why Does My Insurance Check Have the Mortgage Company Name on It?

After going through the entire process of filing a homeowner’s insurance claim with your South Florida public adjuster, you may notice that your insurance check has your mortgage company’s name on it, and be curious why.  Although you may think you own your home, in reality, if you have a mortgage, the mortgage company has […]

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Recovering from a Tornado: Post-Loss Checklist

Recovering from a tornado is not just about your home. Make sure that your family is safe and that no one has been hurt. When you find your way out of your home, make sure that there are no hazards outside that could harm you or your family, such as downed powerlines. In the event […]

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Sarasota Residents Prepare to file Tornado Insurance Claims after a Tragic Weekend

Sarasota public adjusters and residents were ill-prepared for the worst this weekend as an EF2 (Enhanced Fujita Scale) storm with winds reaching 132 mph tore through the county. With a stretch as wide as 350 yards, the massive tornado blasted through Siesta Key along the Gulf of Mexico, claiming two lives, injuring 10, and damaging […]

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Cape Coral Public Adjusters Assess Recent Tornado Damages

2016 is off to a dismal start on the west coast of Florida. Just one week into the New Year and Cape Coral and Fort Myers have seen the effects of tornado touchdowns coming in from the Gulf. The very first weekend of the New Year brought a tornado that caused multiple trees and power […]

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Floridians Are You Prepared for a Hurricane Insurance Claim?

Luckily, Florida has dodged the bullet again, as it has yet to face a hurricane since Wilma struck the state in 2005. Instead of developing into a hurricane like the National Hurricane Center had expected, Tropical Storm Erika remained as such and then dissipated before it could climb the coast toward Florida. It is never […]

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Fire Damage from Arson: Michael’s Story

According to the Federal Bureau of Investigation, arson is defined as “any willful or malicious burning or attempting to burn, with or without intent to defraud, a dwelling house, public building, motor vehicle or aircraft, personal property of another, etc.”  The FBI reports that over 50,000 arson incidents are reported each year in the United […]

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Florida Insurance Claims Need Proper Investigation

A reasonable investigation of all conditions to find damage, is the obligation of the Insurance Company Adjuster.  Adjusters should never turn a blind eye, but all too often, this is exactly what Advocate Claims finds when taking on the task of being a Public Adjuster who represents the policy owner only. As the home or […]

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Florida Homeowner Insurance Claims Ruled by Fear

We find, so often, that insurance claims are ruled by fear. Insurance companies do subtle and overt things that make you feel that it is wrong or hard to file a claim.  Sometimes, this process feels like something you should pull back from, without good reason. Last week, we were called by a homeowner in Ft. Lauderdale, Florida.  The […]

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