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Proactively Creating a Home Inventory List

If you experienced a major loss, you would file a claim with your insurance company. The insurance company would ask for an inventory of all the items that were damaged and needed to be replaced. Could you provide this? It seems like a simple request, but most homeowners actually have no idea what they own […]

Prep Now to Minimize Hurricane Damage Later

With summer right around the corner, another hurricane season is upon us. Last year, the beginning of the season was relatively quiet, but the end of the season brought the double header of Hurricanes Ian and Nicole. As a homeowner, one of the most important action steps you can take is to be prepared for […]

How Can I Minimize the Chance of Having Water Damage in My Home?

Water damage is one of the most destructive and costly perils that a homeowner can experience. According to the Insurance Information Institute, water damage and freezing caused nearly 1 in 5 homeowner’s claims in 2020, with an average claim of $11,695[1]. Water damage can be caused by a lack of maintenance or a sudden and […]

How a Public Adjuster Can Help with a Mold Claim

Florida is a paradise for mold spores; our weather features the perfect blend of heat and humidity for mold to proliferate. Once it starts growing, it damages or destroys everything in its path – walls, floors, curtains, furniture, toys, and more. Mold is costly to remediate; for a severe outbreak, a homeowner can spend tens […]

I Think My Home Has Hail Damage. What Should I Do?

Hail is one of nature’s most destructive elements. In 2021, there were 3,763 significant hailstorms, impacting more than 6.8 million homes in the U.S[1]. Hail can range from pea-sized to softball sized and is most damaging when it is one inch or more in diameter. Hail can wreak havoc with your roof, gutters, siding, windows, […]

My Home Was Damaged. Should I Make a Claim to My Insurance Company?

Over time, parts of a home can break or malfunction – roofs leak, toilets overflow – the list of possibilities that can go wrong is endless. If something like this happens, should you call your homeowners insurance company to reimburse you for the costs associated with repairing the damage or replacing it if it is […]

Holiday Fire Prevention Tips

The winter holidays are a time for family, festivities, and unfortunately, fires. The National Fire Protection Association (NFPA) reports that “Between 2015-2019, U.S. fire departments responded to an average 160 home fires that started with Christmas trees per year. These fires caused an average of two deaths, 12 injuries, and $10 million in direct property […]

Why Roof Claims are Often Denied and What You Can Do About it

It’s all too common for insurance companies to deny roof claims. A new roof or major roof repair can cost tens of thousands of dollars, and paying out too many of these claims can impact the insurance company’s profitability. So, what’s a homeowner to do? Let’s take a look at some of the reasons why […]

Cleaning Up After Hurricane Ian

Hurricane Ian made landfall as a Category 4 storm, tied for the strongest hurricane to ever hit the Florida west coast[1].  Sustained winds blew at 155 mph and gusts reached speeds of 200 mph[2]. As of the writing of this article: More than 2.6 million Floridians are without power, including more than 90% of power […]

Do I Really Need a Public Adjuster? Won’t I Save Money by Doing This Myself?

After experiencing damage to their home or property, many homeowners start the rebuilding process by calling their insurance company, filing a claim, and working with the insurance company’s adjuster to determine how much the insurance company will pay them. For a minor claim with a relatively low dollar value, this process can work well. However, […]