If your property is affected by a natural disaster, such as the September 2022 hurricane Ian in our home area of southwest Florida, there are several critical things to consider after the storm as you begin the process of rebuilding.

I often get asked when in the claim process should I hire an attorney? It’s time to hire an attorney when: Your insurance company stopped communicating with you. When your insurance company has failed to render a decision on your claim When the amount you were given is not enough to fix your damages, you were underpaid You were told…

One of the most common questions I get asked is: Why should I hire a Lawyer over a Public Adjuster: With me, there are no limitations. I can sue your insurance company and I can pursue a bad faith claim. I have experts in place who inspect and document the damage and together we determine the value neededto repair. If…

Save all receipts from Hurricane prep purchases; they may be covered. Evacuation costs may also be covered (gas, hotel, etc.). Start keeping a tab of all your expenses. Do not throw away all your damaged belongings before taking extensive photos and videos. Make sure to capture just how badly damaged they are. Try to hold onto the damaged items until…

These are the 5 most important thing to do after a storm: Immediately assess your damages and document it with photos and video. Call in your claim to your insurance company as soon as possible. Meet the insurance adjuster at your home and show them all of the damages you found. Make sure he/she does a thorough investigation. If you…

The Florida statute listing homeowners’ rights when filing a claim also provides the following advice on dealing with claims: Contact your insurance company before signing any contract for repairs. Make emergency repairs that are needed to prevent further damage. Take photographs of the damage before and after any repairs, keep the damaged property, and hang on to all receipts for…

During a natural disaster, one can experience the best of humanity. Communities coming together to help rebuild, neighbors helping neighbors, and strangers offering a hand during times of need and grief. Unfortunately, during times of crisis and vulnerability, there are also those who are looking to take advantage. Do not allow yourself to be a victim and be careful what…

Florida Statute 627.7142 lays out the Homeowner Claims Bill of Rights.  First, the Bill of Rights sets a definite timeline for communication from your insurance company once you have filed a claim: Within 14 days after you file a claim, you have the right to receive an acknowledgment from your insurance company. Within 30 days after you file a Proof…