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After Hurricane Matthew: Filing Your Insurance Claim

FL Hurricane Damage Insurance ClaimWe’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.

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The Benefits of Hiring a Licensed Public Adjuster

Licensed Public Insurance Adjuster BenefitsWhen 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.

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Flooding in Louisiana

Flooding in Louisiana August 2016In the summer of 2005, the world watched in shock and horror as Hurricane Katrina flooded the city of New Orleans.

Eleven years later, and the people of Louisiana are dealing with more flooding, a disaster which the Red Cross says is the worst since Superstorm Sandy in 2012.

The Red Cross expects the relief effort to take several months, with flood damage affecting tens of thousands of homes and businesses.

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Filing a Falling Object Damage Insurance Claim

Storm DamageNo matter how well you take care of your home, accidents can still happen.

You might have a fire. Your basement might flood. And sometimes, something might just fall out of the sky. It might be something as exotic as a meteor or a jet engine, or as everyday as a tree limb.

But no matter what happens, it’s important to know what falling object damage means in terms of your homeowner’s insurance.

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5 Tips for Filing a Fire Damage Insurance Claim

fire damage insurance claim tipsWe all take steps to prepare our homes in case of a fire.

We keep fresh batteries in our smoke alarms, we make emergency plans with our families, we put rescue stickers for kids and pets on the windows for firefighters to see.

But have you thought about what would happen after a fire? Even a small fire is likely to cause some damage, and you’ll want to file an insurance claim.

Here are some things you should know about that process.

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How to File Your Winter Storm Damage Insurance Claim

winter storm damageYears 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.

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Are You In The Path of El Nino? Here’s Why Your Water Damage Claim Might Be Denied

el nino water damage claimIf 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.

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A Super El Niño May Be Coming. Is Your Insurance Company Really In Your Corner?

storm insuranceDo 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.

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Is Florida About to Get Crushed by Hurricanes?

florida panhandle

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

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Make Sure Your Flood Insurance Can Hold Water

Is Your Flooded Basement Covered By Homeowners Insurance?

flood insuranceYou 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:

  1. How am I going to deal with this?
  2. 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.

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