As we write this, Hurricane Irma was on its way to the United States, bringing with it monstrous 200 mph winds.
As a hurricane damage public adjuster who works in Florida, it’s something we’re watching very closely.
Only four other Category 5 hurricanes in history have reached U.S. shores, and only one Atlantic storm – Hurricane Allen in 1980 – had winds that were higher. Irma is so strong, USA Today reported, that it’s showing up on machinery used to measure earthquakes.
Continue reading "How a Public Adjuster in Florida Can Help in the Wake of Hurricane Irma"
It’s something we see all too often in our line of work: Someone has had a claim denied by their insurance company, and they come seek out a public adjuster for help.
Unfortunately, there’s not much we can do for people after a claim is rejected. But a licensed public adjuster can play an important role when they become involved early in the process.
Read on to learn how using a public adjuster can help you avoid claim denial.
Continue reading "Using a Public Adjuster to Avoid Insurance Claim Denial"
We’re writing this in the midst of hurricane season, which means dealing with hurricane damage insurance claims. It’s been a few weeks since Hurricane Matthew hammered the Caribbean and the Florida coast.
When you own a home in an area where hurricanes occur, it’s important to understand what home insurance policies typically cover in the event of a major storm like Matthew.
Continue reading "After Hurricane Matthew: Filing Your Insurance Claim"
When you’ve suffered property damage, you’re not required to simply assume that the insurance company is providing you with adequate compensation for the loss. You’re well within your rights to hire a licensed public adjuster. In fact, when all is said and done, you’ll be glad you did.
One of the biggest challenges most owners face when looking at their destroyed property is being so overwhelmed by the destruction, they’re unable to fully process the magnitude of the loss.
Continue reading "The Benefits of Hiring a Licensed Public Adjuster"
Years from now, you’ll be able to tell your children or grandchildren how you lived through the Blizzard of 2016.
It was fourth worst storm to hit the northeastern United States, dumping up to three feet of snow in some places. (One town in West Virginia had close to four feet.)
When big storms hit, it’s worth taking time to discuss how to respond to snow and ice damage. Here are some questions you should ask the next time your property sustains winter storm damage.
Continue reading "How to File Your Winter Storm Damage Insurance Claim"
If you’re a regular reader of the Interstate Adjusters blog, you probably saw our most recent post, which was published on October 30. It discussed the so-called “Super El Niño” that many respected meteorologists are predicting will cause major property damage this winter, especially along the coastal areas of Florida.
If you’re a homeowner, this is news you’re probably paying very close attention to. And if you’re not, well … you definitely should be. Why? If your home or any of your valuable personal property ends up taking a hit as a result of this season’s coming El Nino storm, you’ll want to make sure you have all your ducks in a row, so to speak, where your water damage and flood damage insurance policies are concerned.
Continue reading "Are You In The Path of El Nino? Here’s Why Your Water Damage Claim Might Be Denied"
Do you remember the first time you heard the phrase “El Niño”? For most of us, it was during the 1997-98 winter season, when the granddaddy of all El Niños caused catastrophic flooding and mudslides along the California coast.
You may have learned about El Niño and the damage it caused that season by watching the news, or by talking to friends or colleagues. You probably learned that roughly 2,100 people were killed worldwide as a result of the storming, which led to at least $33 billion in property damage. We also learned that the weather event known as El Niño has actually been occurring every few years since 1986.
We learned all these things because unusual and tragic occurrences of any sort tend to become big news. And the El Niño of 1997-98 was most definitely an unusual and tragic occurrence. For many homeowners without flood damage and storm damage insurance, it was also an unbelievably costly event.
Continue reading "A Super El Niño May Be Coming. Is Your Insurance Company Really In Your Corner?"
Have you ever heard of the Atlantic hurricane season? That’s the time of year when the largest number of tropical storms tend to develop in the Northern Atlantic Ocean.
Cyclones, hurricanes, tropical depressions: If you live in Florida, where the storms reach peak intensity each year in the late summer or early fall, it really doesn’t matter what you call them. During each and every season in Florida, they tend to lead to extreme property damage.
Usually that damage comes as the result of heavy winds that send trees crashing through bedroom windows, or from torrential downpours, which can easily lead to flooded basements and ruined personal property.
The 2015 Atlantic Hurricane Season Has Already Started
Continue reading "Is Florida About to Get Crushed by Hurricanes?"
Is Your Flooded Basement Covered By Homeowners Insurance?
You wake up one morning and discover that your basement has flooded overnight. As you stand at the bottom of the basement steps, you watch in horror as an old basketball floats past. A box of old CDs from college is under three feet of dirty water. Everything smells like a swamp.
Two questions immediately come to mind:
- How am I going to deal with this?
- Does my insurance cover it?
Unfortunately, answering the second question might be tougher than dealing with the first.
Flood damage in PA is unfortunately all too common. Just ask anyone who was living along the Delaware River between 2004 and 2006, or pretty much anyone who sustained water damage in NJ after living through Superstorm Sandy.
Sure, you may have homeowners insurance. But chances are that your home’s flood damage may not be covered.
Continue reading "Make Sure Your Flood Insurance Can Hold Water"
There are very few experiences in life more traumatic than standing by helplessly as your home is destroyed by flood damage, fire damage, or some other form of unavoidable catastrophe.
And yet no matter how stressful and frightening it may be to live through a natural disaster, the fact remains that if you’re a homeowner or business owner, you now have the added stress of needing to submit an incredibly detailed claim to your insurance provider.
Indeed, if you have any hope of being reimbursed for the damage caused to your property and its contents, preparing an accurate insurance claim should be one of your very top priorities following a disaster.
There a number of other steps you’ll need to cross off your post-disaster to-do list at the same time, however. Many people who find themselves in such a situation discover early in the process that hiring a public adjuster can be a huge time- and energy-saver. It can also lead to substantial financial savings (more about that later).
Continue reading "What to Do After a Fire, Flood, or Other Natural Disaster"