Wind vs. Flood After a Hurricane: Why the Difference Decides Your Claim After Hurricane Isaias, Panhandle property owners face a question that decides thousands of dollars: was the damage caused by wind or by flood? Insurance companies have a strong incentive to call it flood. Here is why the distinction matters and how to protect ...
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What Florida’s Recent Insurance Reforms Mean for Your Hurricane Claim
What Florida’s Recent Insurance Reforms Mean for Your Hurricane Claim Florida lawmakers rewrote large parts of property insurance law in 2021 through 2023. If your last hurricane claim was years ago, the rules changed under your feet. Here is what property owners need to know before filing after Hurricane Isaias. 1. You Have Less Time ...
Read MoreManaged Repair v. Assignment of Benefits
HOMEOWNERS- HOSTAGES IN A HOSTILE CLAIMS ENVIRONMENT Managed Repair v. Assignment of Benefits Florida Insurers, including Citizens Property Insurance Corporation, are flocking to “Right to Repair” Managed Repair Programs claiming that to fight off fraudulent or inflated Assignment of Benefits (“AOB”) claims, insurance companies themselves must hijack their own policyholders’ claimsbefore anyone else can ...
Read MoreWatch out For the Hurricanes
It’s been over a decade since Florida experienced a hurricane landfall, an improbable record that won’t likely last much longer, and may be snapped this season. Since Category 3 Hurricane Wilma roared ashore in South Florida on Oct. 24, 2005, the Sunshine State has gone over 10 years without a single hurricane landfall. That amounts to ...
Read MoreManaged repair programs
Managed Repair – Don’t be a sucker Like lemmings over a cliff, Florida’s property insurers are trending towards a preference for the managed repair of covered property damage. Some of the major insurers in the Florida homeowners’ market using managed repair include: Heritage Property & Casualty Insurance Company; People’s Trust Insurance Company; and Florida Peninsula ...
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How’s that Obama Care working out for you. Did your rates go down like he promised… One big failure or lie or whatever you’d like to call it. How many of you think your doctor-patient relationship is better under managed care managed by your health insurer? The vast majority of health insurance policyholders and virtually ...
Read MoreYou need all the forms of your policy and don’t forget to RTFP
A FEW POLICY FORMS ARE NOT SUFFICIENT: YOU NEED EVERY PAGE OF YOUR POLICY The eight or twelve pages of documents you keep in your file labeled “homeowners insurance” is not enough. In order to truly understand the insurance coverage you have purchased, you must have the complete policy. This is a contract between you ...
Read MoreStorm Damage Claims
The Policyholder Advocacy Group’s Adjusters are experienced professionals in handling your Hail and Wind Property Damage Insurance Claims We specialize in large loss hail and wind property damage insurance claims involving: Tornado Damage Claims Hurricane Damage Claims Wind & Hail Damage Claims Flood & Water Damage Claims Earthquake Damage Claims Fire Damage Claims Smoke Damage ...
Read MoreRoofing Manufacturer Manuals Must Be Considered With Damaged Roof Insurance Claims
I attended a great seminar last week called, “Learn The Ropes While Skiing The Slopes” in Colorado where we analyzed roof insurance claims. The cool picture above was taken of some of the fantastic attorneys at the Merlin Law Group, PA’s and of course myself. One of the expert presenters was Steve Thomas of Roof ...
Read MoreTornado and Flood Damage in Florida – What to Do After the Storm
Over the last few days, Central Florida has been pounded by torrential rain, tornadoes and high winds. These damaging windstorms and tornados were especially violent in Manatee, Sarasota, Lee, Hillsborough and Pinellas Counties. These thunder storms caused flooding in Shore Acres, wind damage in Siesta Key, and claimed the lives of two people in Duette. ...
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