Blog: Hurricane
Florida Hurricane Deductible – One Hurricane Deductible in a Calendar Year
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…
Hurricane Idalia – Summary of 2023 New Florida Insurance Law Changes
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…
Uncover the Truth Behind the OIR Hurricane Ian Claims Statistics
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…
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…
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 » Hurricane 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…
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 – 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…
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…
Hurricane Dorian Insurance Claim Expert Advice
Be Safe – Be Proactive – Be Patient Be Safe Dear Floridians before Hurricane Dorian comes ashore it is time to take all the necessary precautions to keep your family, elderly, and pets safe from the pending storm. Stock up on your emergency supplies as water, food, medicines, pet food, batteries, flash lights, and first…
Broward County, Florida: Has Your Hurricane Irma Roof Insurance Claim Been Denied?
Do you want to get the money you deserve? Attention Broward County home and business owners: have you suffered roof damage from Hurricane Irma? Has your insurance company low balled or denied your claim? If so, our Hurricane Insurance Public Adjuster, may be able to help. Homeowners and business owners pay insurance premiums for decades,…
