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When faced with a property damage insurance claim, the first crucial step is to obtain a complete, true, or certified copy of your insurance policy. This essential document provides the foundation for determining coverage and limitations for your claim. It is the first document a good attorney or public adjuster requests. The Insurance Declaration Pages…

Tips for Navigating Wind-Driven Rain Claims in Florida Florida homeowners must understand the intricacies of their insurance policies, especially regarding wind-driven rain. Here are essential insights to help you navigate roof insurance claims: Wind-Driven Rain Exclusions Most Florida insurance policies exclude (do not cover) damage caused by wind-driven rain. This exclusion means that if your…

In Florida, you only have to pay one hurricane deductible within the calendar year, provided you are insured with the same insurance company or group of companies. Per Florida Statute “If there are hurricane losses in a calendar year on more than one policy issued by the same insurer or an insurer in the same…

From Insurance Companies to Policyholders: A Journey of Expertise I used to be on the other side of the table, representing insurance companies as an insurance company adjuster. This experience has given me a unique perspective on how insurance companies operate, what they look for in claims, and how they try to minimize payouts. Now,…

As Hurricane Idalia is set to make landfall in Northwest Florida on Wednesday, August 30, 2023, it’s a crucial time to update our blog followers on recent legal changes that will impact the handling of insurance claims for property damage.  Under the new Senate Bill SB 2A that Governor DeSantis signed into law, the following…

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…