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Unraveling Homeowner Dilemmas: A Personal Account As a public adjuster, I’ve had countless conversations with homeowners grappling with roof damage from Hurricane Ian. A common thread in these narratives is their interaction with several roofers who uniformly advise that they need a new roof. Through various mediums like blogs and Facebook advertising, roofers often position…

Did you have Hurricane Ian property damage? Should you trust the Florida Office of Insurance Regulation insurance claim statistics? Not if your claim was underpaid or closed without payment! Data as of January 20, 2023 “According to OIR’s hurricane claims reporting, Ian resulted in about 475,000 residential damage claims; 75% are closed, leaving about 60,000 still…

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…

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…

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…

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…

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…

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…

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…

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…