Premiums keep climbing. Coverage keeps shrinking. The Florida Association of Public Insurance Adjusters calls it insurance shrinkflation, and its timeline of Florida policy changes runs more than three decades. How Coverage Shrank 1992: percentage hurricane deductibles appear 1999 and 2000: collapse coverage cut, mold exclusions spread 2008: managed repair programs put the insurer’s contractors in ...
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After Hurricane Ian, Adjusters Said Insurers Changed Their Estimates. Protect Your Isaias Claim
The adjuster who walks your roof is not always the last word on your estimate. After Hurricane Ian, independent adjusters who inspected homes for insurance companies told reporters their damage findings were changed by the carriers afterward, and the payouts shrank. The adjusters said the changes were made without their consent, sometimes under their own ...
Read MoreFlorida Fined Heritage $1 Million for Mishandling Hurricane Ian Claims. The Findings Matter Now
Florida’s Office of Insurance Regulation fined Heritage Property & Casualty $1 million after examining how the company handled Hurricane Ian claims. It was one of the largest fines in state insurance history, and the findings read like a checklist of what goes wrong for policyholders after a major storm. What Regulators Found Examiners sampled 324 ...
Read MoreClosed Without Payment: Two Senators Ask Insurers Why So Many Claims End at Zero
https://policyholderadvocacygroup.com/senator-hawley-asked-insurers-how-many-hurricane-claims-did-you-deny/ Also read: Senator Hawley’s 2025 letter demanding answers on denied hurricane claims.On October 2, a Democrat and a Republican in the U.S. Senate sent the same letter to six of America’s largest insurers. Senators Elizabeth Warren and Josh Hawley want to know why a growing share of homeowners claims are being closed without any ...
Read MoreFlorida Activates $10 Million in Small Business Bridge Loans After Hurricane Isaias
Florida has activated $10 million in Small Business Emergency Bridge Loans for businesses damaged by Hurricane Isaias. The program gives eligible small businesses short-term, interest-free working capital while insurance claims and federal assistance are processed. Who It Is For Small businesses in the declared disaster area with physical or economic damage from the storm: restaurants, ...
Read MoreHurricane Isaias Claims Are Being Filed Across the Panhandle. The First Week Matters
Hurricane Isaias claims are being filed across the Panhandle. Why the first week matters for your settlement. Free claim review. 800.511.2240....
Read MoreFlorida Attorney General Warns of Tree Service Text Scams After Hurricane Isaias
Florida Attorney General James Uthmeier is warning Panhandle residents about text messages offering tree service bundled with help “coordinating with your insurance company.” His office says the messages are scams. Do not respond. The Warning Signs Unsolicited texts or door knocks offering tree or roof work Pressure to sign paperwork on the spot, especially anything ...
Read MoreHurricane Isaias Triggered Florida’s Hurricane Deductible Statewide. Here Is What It Costs
Hurricane Isaias triggered Florida's hurricane deductible statewide. What it costs you and how it affects your claim. Call 800.511.2240....
Read MoreFlorida Opens Insurance Assistance Hub in Destin for Hurricane Isaias Claims
Florida’s Department of Financial Services opened an Insurance Assistance Hub in Destin on Sunday, less than two days after Hurricane Isaias made landfall in the Panhandle. Chief Financial Officer Blaise Ingoglia’s office says it is the fastest the state has ever stood up an in-person claims center after a hurricane. Where and When The hub ...
Read More60 Minutes: The Altered Hurricane Ian Damage Reports
60 Minutes Found Altered Damage Reports. Your Estimate May Not Be What the Inspector Wrote. In September 2024, CBS’s 60 Minutes aired “After the Hurricane,” a year-long investigation into Hurricane Ian insurance claims. Licensed field adjusters alleged that insurers materially changed their damage reports after inspections, cutting estimates drastically while leaving the field adjuster’s name ...
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