On Thursday, the American Policyholder Association warned Florida homeowners about what comes next after Hurricane Isaias.
“The storm after the storm is already on the way,” said Doug Quinn, the APA’s executive director. He spoke at a virtual press conference held by REBUILD, the National Disaster Survivors Association.
His warning was plain. “An insurance system that charges more, covers less, and too often fails homeowners when they need it most.”
He is in the Panhandle right now helping homeowners.
A September poll by the University of North Florida found that 63 percent of Floridians are more concerned about insurance costs than property taxes. That number tells you where homeowners’ heads are.
The insurance industry sees it differently. Mark Friedlander of the Insurance Information Institute said legitimate claims are not being denied. He said covered wind losses get paid.
Both sides agree on one thing. Filing a claim after Isaias matters, and getting it right matters.
Here is what we see in the field. Carrier scopes are rarely nearly as complete as they should be. Damage gets missed. Line items get left out. The first number is almost never the full number.
You do not have to take our word for it. The APA exists to investigate insurance companies, not homeowners. When they warn of a storm after the storm, it is worth listening.
What to do now
- Photograph all damage before you clean up
- Get an independent inspection, not just the carrier’s
- Keep every letter, email, and deadline in one place
- Do not accept the first offer without a second look
A Public Adjuster represents the policyholder. The insurance company’s adjuster represents the insurance company. That is not an accusation. It is how the system works.
We offer a free inspection and a free claim review. Call 800.511.2240.
Do not settle for less than you deserve.