Presented by the Florida Association of Public Insurance Adjusters
There is no doubt that Osceola County residents will be making insurance claims for wind and flood damage from Hurricane Ian. The Florida Association of Public Insurance Adjusters says it’s imperative that sufferers don’t hesitate to document and file the insurance claims they need.
Floridians also need to be careful as there are bad actors out there looking to scam homeowners in their distress. Here are seven FAPIA recommended tips on insurance claims and safe recovery:
Only work with state-certified specialists: It’s an unfortunate reality that scammers take advantage of consumers in times of need. Whether you hire a contractor to perform repairs or a state insurance adjuster to help you understand and file your insurance claim, make sure they are licensed to do business in Florida (for easy verification). Visit www.beclaimsmart.com for more information). Only public adjusters and attorneys are legally authorized to negotiate a claim with your insurance company. Anyone else offering this is committing a criminal offense.
Check permits: If the proper permits are not obtained to repair property in your home or business, the job will not be completed or will not be done well. Be confident and ask your contractor about the required local permits and ask for confirmation of their filing. In addition, the local building authority can hold you liable for redoing the work if they determine that the necessary permits have not been issued.
Do not pay cash: Credit cards, checks, and debit cards are safer forms of payment and are easier to track. Request a receipt if you don’t receive one – you’ll need this for your insurance claim.
Be careful with the language of “power allocation”: Signing an Agreement of Benefits (AOB) is a great thing because it authorizes the receiving party to manage every aspect of your insurance claim, including collecting your payments and filing a lawsuit for your claim. Is.
Don’t wait too long to submit: Florida requires that all hurricane damage claims be filed within two years of the date of damage. Therefore, it is important to have a professional inspect your home for damage and file a claim in a timely manner. Supplementary claims become statute-barred three years after the occurrence of the damage.
Avoid further damage as much as possible: Failure to deduct additional damage to your property could result in your claim being denied. Assuming it’s safe to do so and the problem is manageable, work with a professional to take care of anything that could become a bigger problem, such as: B. the wiring of a damaged ceiling.
Beware scammers: Florida’s insurance market and policyholders have been hurt by fraud and fraud. don’t be a victim If you see contractors, roofers, or others who do not offer a licensed adjuster or public insurance attorney to handle your claim, they may be involved in criminal activity. Contractors and roofers are not insurance professionals. Unfortunately, there are some who use “processing your claim” as a sales strategy. Don’t fall for it. They are neither licensed nor trained to represent the interests of your insurance claim.