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Re-Open your Hurricane Wilma Insurance Claim
Even after you have received your insurance check, you can re-open your claim? Contact Advocate Claim Service, to see if you received a fair settlement. Under Florida Law you have the legal right to hire your own insurance adjuster. Your insurance company wants you to think their company adjusters are your best friend and that…
Public Claims Adjusters can Level the Playing Field for You
By Insure.com Say your house has just been badly damaged by an earthquake, fire, or other calamity. You can’t remember the last time you looked at your home insurance policy. Do you know what you’re entitled to? Unfortunately, most people don’t know the details of their policies because they are chock full of legalese. However,…
The Florida Department of Insurance Dictate Public Adjuster Fees
By Steven D. Venook. Florida licensed Public Insurance Adjuster’s are the only professionals besides attorney’s who can negotiate an insurance settlement. The Florida Department of Insurance determined that a ten percent fee was needed for the protection of the public and created an emergency order signed by Tom Gallagher, Chief Financial Officer. This emergency order…
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…
Hurricane Preparedness & Disaster Planning From an Insurance Perspective
By Steven David Venook Congratulations! All your family and friends survived Hurricane Katrina, with no personal injuries. But your home, condominium, or commercial building may not have been so lucky. Now comes the rebuilding of your life and property. The first thing you do is contact your insurance agent and notify them of your claim.…
Klein Calls For Hearings On Massive Insurance Rate Hikes
State Senator Ron Klein (D-Boca Raton) today asked Senate President Tom Lee and Attorney General Charlie Crist for investigations and hearings into the recent massive rate hikes proposed by major insurance companies in Florida.
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!…
Insurance Company Toll-Free Catastrophe Hot Lines
If you have homeowners, automobile, flood, renters, or other insurance, please contact your insurance company to file your claims. The Catastrophe Hot Lines are listed alphabetically below:
