Public Insurance Adjusters help Policyholders Win Claims

Many homeowners don’t fully understand their property insurance policies and are at a disadvantage when negotiating with their insurers about repairs needed after a fire, theft, hurricane or other disaster. Public insurance adjusters assess damages, determine what the policy covers, document evidence to support claims and assess what repairs will cost. In Florida, they can […]

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Claims audit could spark legislative battle: impacts on the bottom lines at Citizens Property Insurance Corp. and Cat Fund.

A state audit released in January could spark a fierce legislative battle this spring and raises additional concerns about the viability of both Citizens Property Insurance Corp. and the Florida Hurricane Catastrophe Fund (Cat Fund). State auditors found that Citizens’ policyholders who hire public adjusters wind up getting more money for their claims than those […]

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New Lead Paint Laws for 2010

It’s hard to keep track of new legislation that affects home building and remodeling across the 50 states. Too often homeowners and re-modelers get going on a project that requires a local permit and suddenly discover they have to lay out additional money to meet building codes. I know people who have had to rip […]

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Insurers and policyholder reps wrangle over claims delays

Representatives of Florida’s insurance industry and public adjusters — who represent policyholders in claims disputes — fiercely debated how to speed up repairs after hurricanes on Wednesday.

As of this fall, more than 2,000 homeowners were still trying to get claims paid from Hurricane Wilma in 2005. Delays keep people out of their homes longer and can make the damage worse. The gathering — focused on how to improve the so-called appraisal process — is the third on claims delays organized by Insurance Consumer Advocate Sean Shaw, who plans to make recommendations to state lawmakers before the annual legislative session in March.

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How to file an insurance claim

Try to call your insurance agent immediately. Most major insurers have toll-free phone numbers. Begin making temporary repairs to prevent further damage. Save all receipts. Do not attempt to make permanent repairs on your home until an insurance adjuster has inspected it. Most homeowner insurance policies provide for removal of trees or branches that have […]

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Study: Insurers’ Customer Retention Critical in Hard Economic Times

As millions of U.S. households face financial hardship in the current U.S. recession, retaining existing customers has never been more important. For insurance carriers in terms of long-term profitability, customer retention is tops, according to the J.D. Power and Associates 2009 Personal Insurance Retention Special Report. The report finds that in the past 12 months, […]

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Forecaster WSI Reduces 2009 Season Hurricane Count to 6

The 2009 Atlantic hurricane season will produce 11 tropical storms, of which six will become hurricanes, WSI Corp predicted Monday. The Andover, Massachusetts, private forecaster reduced its forecast from the one it issued in December, when it said the six-month season starting on June 1 would see 13 tropical storms, including seven hurricanes. The lower […]

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A list of Florida Insurance Companies Writing New Insurance Policies in Florida.

Edison Insurance Company Federated National Insurance Company First Home Insurance Company Florida Peninsula Insurance Company Homeowners Choice Property and Casualty Insurance Company HomeWise Preferred Insurance Company Landmark One Insurance Company Magnolia Insurance Company Northern Capital Insurance Company Southern Fidelity Insurance Company Southern Oak Insurance Company Sunshine State Insurance Company United Property & Casualty Insurance Company

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Florida insurance industry contributions and legislation that would benefit insurers

Dear Florida Insurance Consumers, When your insurance rates go higher, the customer service gets worse, and your fair claim treatment is non existent.  Please remember your Florida legislatures that supported the insurance lobby over you. This chart outlines the status and descriptions of key property insurance legislation so far, including which bills would benefit insurers. […]

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Five Gaps In The BOP!

Businessowners Policies, traditionally referred to simply as “BOPs,” were introduced in 1976 and significantly revised in 1987. The BOP evolved gradually from the 1987 revisions to include risk classification and sizes not contemplated in the original or “first revision” editions of the form. Additionally, many insurance carriers have built upon the Insurance Services Office’s (ISO’s) […]

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