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Lessons Learned from Last Years Hurricanes in Florida

By Steven D. Venook Most insurance company’s claim departments were under staffed, their adjusters were poorly trained, and this delayed your claim settlements. What has changed? Nothing! The Florida Department of Insurance seemed to solicit and welcome emergency claim adjusters. Many of these adjusters had no prior claim experience they may have been tending bar…

Why Do I need a Public Adjuster?

By Steven David Venook What if I am insured by any of the following insurance companies? Atlantic Mutual Insurance Company Allstate Floridian Insurance Atlantic Preferred Insurance Bankers Insurance Company Capitol Preferred Insurance Citizens Property and Casualty CGU Insurance Company Chubb Insurance Company Clarendon (Tower Hill) Insurance CNA Insurance Company Cypress Property & Casualty Electric Insurance…

What Are Your Mold Limits in your Insurance Policy?

By Steven David Venook Most standard Florida Home Owner Insurance Policy’s now cover mold (within defined limits) if mold resulted from a covered loss. Why did the insurance industry do this? Because, by now covering mold damage they have limited their financial exposure for mold claims by putting mold damage limits in your policy; and…

Does Your Homeowner Policy Cover Mold?

By Steven David Venook In general, NO! Most standard Florida policy’s exclude MOLD under Section 1- Perils Insured Against – We do not insure, however for loss: 2. Caused by: (e.) Any of the following: (3) Smog, rust or other corrosion, mold, wet, or dry rot; Did you read all the fine print? Probably not!…

Hurricane Frances a Slow Path to Destruction

Unbelievable! Two named Hurricanes back to back, with another one lurking out at sea. Hurricane Frances took a long slow pounding upon the East coast of Florida, especially in Martin County in such beautiful places as Stuart and Jupiter; and as far north as Melbourne; and then traveled across the entire State of Florida, to…

Hurricane Frances a Slow Path to Destruction

Unbelievable! Two named Hurricanes back to back, with another one lurking out at sea. Hurricane Francis took a long slow pounding upon the East coast of Florida, especially in Martin County in such beautiful places as Stuart and Jupiter; and as far north as Melbourne; and then traveled across the entire State of Florida, to do…

Hurricane Charley Hits The West Coast of Florida

I visited Punta Gorda Florida, Port Charlotte Florida, and the surrounding areas last week, and Hurricane Charley did a lot of structural damage. The more damage you have the more you need to hire a public adjuster. At a stressful time like this we can help lift the burden that the insurance companies will put on you…