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Insurance Claim Village Port Charlotte

How I Got My SW Florida Client’s Claim Paid Faster

Last week there was a insurance claim village in Port Charlotte, FL. I personally went to the insurance claim village with a box of my client files. I have clients in Sanibel Island, Punta Gorda, Cape Coral, and Port Charlotte. At the insurance claim village, I met with Heritage Insurance Company representative, Front Line Insurance…

public adjuster vs contractor

Hiring a Public Adjuster vs a Contractor For Hurricane Ian Claim help

Hire a Public Adjuster vs a Contractor for Hurricane Ian Help Home » Blog Below are 2 documents summarizing the differences in roles that a Public Adjuster and a Contractor have when handling insurance claims. After a major storm it is important for home owners to know who to contact for each part of the…

Flood vs Hurricane Claims

Major Differences Between Flood Insurance Claims & Hurricane/Windstorm Insurance Claims

Policyholders often confuse Flood Insurance Claims with Windstorm or Hurricane Insurance Claims. The damages covered and how the claims are handled are very different between Flood Insurance & Hurricane / Wind Insurance. Flood Insurance has a few standardized policies, whereas every Hurricane / Wind insurance policy is different. Each insurance policy must be carefully reviewed…

Hurricane Ian

Hurricane Ian – Insurance Claim Do’s & Don’ts

Insurance Claim Do’s Photograph your insurance policy declarations pages with your phone Photograph or video roof, home interior & personal property BEFORE a hurricane Photograph or video roof, home interior & personal property AFTER Hurricane Make temporary repairs only to prevent further damages i.e. Tarp roof, dry-out water Report claim to insurance company. Get claim…

Details are Important for Insurance Claims

Documenting insurance claims is very important. Details matter! To properly document all the necessary details to prove the policy holder damages requires knowledge, experience, and the proper tools. Some of the tools needed to be able to record the property damages are as follows: Moisture Meter Thermal Camera Matterport Video Detailed Estimate Most homeowners and…

Tropical Storm Roof

Florida Tropical Storm Insurance Claim Warning!

Your roof leaking and causing your ceiling or walls to get wet does not mean that your insurance company will pay your claim. Most Florida Insurance policies have a wind driven rain language. This language states that unless there is physical damage to your roof that creates an opening. Your claim will be denied for…

Wise Decisions

Is it Wise to Hire an Attorney at the Start of a Property Insurance Claim?

Many attorneys in Florida advertise to be hired at the beginning of a property damage insurance claim. However, keep in mind that attorneys have spent years learning the legal system, not adjusting property damage insurance claims. Does it make good sense to escalate your claim to a legal matter before there is a legal issue? The…

Virtual Claim Adjusting

Why Millennials Should Not Trust Virtual Claim Adjusting

Millennials tend to be new first time home buyers. Never having experienced making an insurance claim for their new home. Recent insurance company polls suggest that millennials like the ease of texting and photographing their damages with their cell phone and getting their claim resolved using technology. Insurance carriers sometimes calls this process of claim…

insurance agent showed hostility toward the public adjusting profession

Why Can’t We All Get Along & Be Friends?

I read a recent post where an insurance agent showed hostility toward the public adjusting profession. Offering the same old tired advice that… Many public adjusters are greedy and exploit the policy holder? That policy holders do not want to engage a public adjuster because 99% percent are dishonest. Don’t give away your money to…

4 insurance claim rules

4 Insurance Claim Rules When Submitting a Water Damage Claim

Rule #1 Never take insurance claim advice from a plumber! Rule #2 Never hire the plumber’s suggested water dry out company! The plumber is getting a $500 – $1,000 kick back from the restoration/water/mold company and you will be asked to sign a blank agreement with no pricing; or an assignment of benefits where the…