Day 7 after Isaias. Mold is growing, adjusters are backed up, and your documentation matters more than ever. Your action checklist for this week....
Read MoreTag: hurricane isaias
Hurricane Isaias Contractor Scams: 10 Red Flags Before You Sign Anything
Storm scammers follow every hurricane. Learn the 10 red flags, what Florida law bans, and how to verify any contractor before you sign. Protect yourself now....
Read MoreFEMA Help After Hurricane Isaias: What It Pays, What It Never Pays, and What to Do When Your Claim Falls Short.
No FEMA Individual Assistance yet for Isaias. Report your damage to the county now. Learn what FEMA covers and how it works alongside your insurance claim....
Read MoreThe Secret Study: Florida Insurers Moved $1.3 Billion to Affiliates While Claiming Losses
Florida insurers moved $1.3 billion to affiliates while claiming hurricane losses. A state examination exposed it. What it means for your claim....
Read MoreSenator Hawley to Insurers in 2025: How Many Hurricane Claims Did You Deny?
The Letter That Started the Fight On January 24, 2025, United States Senator Josh Hawley of Missouri, Chairman of the Senate Subcommittee on Disaster Management, wrote to insurance companies about their handling of claims from Hurricanes Helene and Milton. The letter cited widespread reports that some companies, “seizing the opportunity to limit their own liabilities,” ...
Read MoreInsurance Shrinkflation: Your Florida Policy Covers Less Than It Used To
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 ...
Read MoreAfter 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, ...
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