Floridian Public Adjusters attended The FAPIA Spring Forward Seminar at FIU.
“FAPIA hosts the largest gathering of policyholder advocates in the nation at their conferences. Public adjusters and attorneys travel to attend FAPIA conferences from several different states to take advantage of the networking, education and good plain fun!”
Type of Claim: Flood Loss
Floridian Public Adjusters Recovery: $382,185.05
Location: Mantoloking, New Jersey
Floridian Public Adjusters is fully licensed and insured in the State of New Jersey. We are currently helping homeowners and business owners that were affect by Storm Sandy. Storm Sandy took place October 29th 2012. The above home was an ocean front property located in Mantoloking, New Jersey. The flood water along with sand reached over 4 feet throughout the house.
Type of Claim: Kitchen Fire
Floridian Public Adjusters Recovery: $139,250.43
Location: Orlando, Florida
The above kitchen fire took place on February 27th. The insured immediately called her insurance company and advised them of the damages throughout the house. After speaking with the insurance company the insured became very upset with the handling of her claim. The insured sought the help of Floridian Public Adjusters.
We arrived to the property and immediately went to work. After inspecting the property we discovered that every room in the house suffered damages from the fire. Fire damage claims require extra attention to detail especially when it comes to the personal contents. Each item must be properly photographed and documented during the claims process.
During the claims process we extensively reviewed her insurance policy with her and advised her of her rights under the policy. Prepared a detailed written estimate of the fire damage and the cost of repairs to the property.
Lake Worth, FL: Over a quarter of a million Florida homeowners who have insurance through Citizens Property Insurance Corporation have had their homes inspected through the Citizens Reinspection Program. 74% of these reinspections, or nearly 200,000 Florida policyholders, have lost valuable wind mitigation discounts as a result. The average impact on those homeowner’s home insurance rates is staggering. These homeowners are hit with on average a 24% rate hike resulting in an average $600 per year in additional premium. Unfortunately, many of these reinspections are simply flawed. Reinspections are based on visual observations and human error may be introduced by large centralized inspection companies that lack local or regional knowledge of building features and construction practices. Some evaluators may also avoid performing due diligence in collecting or researching searches or expend additional effort to assist homeowners who lack qualified documentation, even when the feature (i.e. new roof or shutters) qualifies for discounts.
After reviewing scores of flawed reinspection reports, it was obvious that these homeowners needed help. FAIR partnered with SafeRisc, a statewide network of the best qualified inspectors in Florida to review these reports and achieve reinstatement of credits. The FAIR review process determines if there is reasonable cause to suspect that the reinspection evaluator failed to obtain easily acquired documentation, did not properly review documentation provided by the homeowner, or overlooked features during their visual inspection. The fee for this review is $50 and includes a written report that either validates the reinspection or, provides specific recommendations on how to achieve the reinstatement of credits. To ensure that homeowners do not pay for a review when reinstatement is unlikely, SafeRisc and FAIR have a questionnaire designed to help the homeowner determine whether or not a review might be beneficial.
Homeowners who were stripped of mitigation discounts should get a copy of their reinspection report to reference, and then go to the FAIR website at www.floridainsurancereform.org to start the review process.
These quallity assurance reviews are performed by highly qualified and experienced professionals who have performed thousands of wind mitigation inspections,” said Jay Neal, FAIR’s Executive Director. “More importantly, they will go the extra distance to make sure that eligible credits are verified so that the homeowner’s interests are properly protected.
To find out more: http://fairinsurance4florida.org/reinsp.html
The 2012 hurricane season is predicted to be a slow season this year says Phil Klotzbach and William Gray of Colorado State University. The prediction is 10 named storms and 4 hurricanes. The average season is 12 named storms and 6 hurricanes.
“All vulnerable coastal residents should make the same hurricane preparations every year, regardless of how active or inactive the seasonal forecast is. It takes only one landfall event near you to make this an active season,” Klotzbach said.
Hurricane Andrew is a prime example of how powerful storms can strike even in slow years. The Category 5 system devastated southern Miami-Dade County 20 years ago in 1992 _ a year that otherwise saw only six named storms.
You can read the full press release here – http://tinyurl.com/7hs7ong
Nancy Dominguez, Managing Director for FAPIA is urging all policyholders to check an adjuster’s credentials before signing any agreements.
“We’ve been getting, unfortunately a number of complaints now even before the hurricane season, where some people have been approached by non-licensed individuals, including contractors and roofers, who don’t have a license to adjust claims, apparently offering this so-called service as a marketing effort I presume.”
Read the full article and listen to the MP3 broadcast clip at WFSU - http://goo.gl/nCYlb
You can also learn more about FAPIA (Florida Association of Public Insurance Adjusters) on their website - http://goo.gl/ktIGF