Hurricane Helene Insurer Fraud Possible - 60 Minutes Video

 

Hurricane Insurer Fraud Allegations

The aftermath of Hurricane Ian and other significant storms like Hurricane Helene has left thousands of Florida homeowners struggling with insurance companies. When disasters like these occur, they not only destroy homes but also expose systemic issues in the insurance industry. The challenges faced by homeowners often extend beyond just physical damage, as they find themselves in prolonged battles with their insurance providers over fair compensation for their losses.

Policy Holder Victim's Story

One such example is the experience of Jeff and his family, who lived about 40 miles south of Sarasota, Florida. After Hurricane Ian hit, their home was severely damaged — the roof was shredded, trees fell around the house, and the interior was soaked. They promptly contacted their insurance company to begin the claims process, hoping to restore their home. 

However, instead of receiving fair compensation, they encountered a disheartening process. Although the licensed adjuster who initially assessed the damage estimated that repairs would cost over $231,000, the insurance company only approved about $15,000 for repairs. This drastic reduction left the family in a difficult position, unable to adequately fix their home.

Navigating Hurricane Helene Claims: What Florida Homeowners Need to Know

Hurricanes can wreak havoc on our homes, and navigating the aftermath—especially when dealing with insurance claims—can be incredibly challenging. If you’re a Florida homeowner grappling with claims related to Hurricane Helene, you’re not alone. Allegations of insurance fraud have surfaced, particularly concerning companies like Heritage, raising concerns about how claims are processed and paid out. Here’s what you need to know.

Understanding the Allegations

Following Hurricane Helene, many homeowners may report drastic reductions in their insurance claim payouts, with reductions of 70% to 90% being reported. This has raised ethical questions about the insurance industry’s practices, leading many to allege fraudulent activities.

• Key issues include:
  • Claims drastically revised downward.
  • Homeowners facing ongoing financial burdens from high premiums despite inadequate compensation.
  • Lack of accountability for insurance companies and their vendors compared to homeowners.

While minor disagreements about claims are common, the extent of the alleged discrepancies has alarmed many. Homeowners are calling for legal consequences for insurance companies found to have fabricated facts or manipulated claims.

The Call for Accountability

Fraud investigations are a common aspect of insurance claims, especially in the wake of a disaster. However, homeowners feel a sense of injustice when the alleged fraud is committed by the very companies that are supposed to provide relief. It’s crucial to hold insurers accountable for their actions.

• Homeowners urge:
  • Investigate fraud perpetrated by insurers with the same rigor applied to homeowners.
  • Ensure that those responsible face legal consequences.

The Current Situation

Despite evidence of potential fraud being handed over to state investigators, many homeowners express frustration that two years after Hurricane Helen, there have been no arrests or significant actions taken. This delay leaves many homes unrepaired, creating financial strain on affected residents.

• Real-life consequences include:
  • Homeowners still paying high insurance premiums—some over $4,000 annually—while their homes remain damaged.
  • Difficulty switching insurance companies due to unresolved claims.

For many, this situation is untenable. Homeowners like one individual who moved into a nearby apartment while paying hefty premiums illustrate the burdens placed on policyholders.

What You Can Do

If you’re facing similar issues, there are steps you can take to advocate for your rights:

• Document Everything: Keep detailed records of all communication with your insurance company and any documentation related to your claim.
• File a Complaint: Consider filing a complaint with the Florida Department of Financial Services. They can investigate your claim and provide assistance.
• Seek Legal Counsel: Consulting with a lawyer who specializes in insurance claims can provide clarity on your options and help navigate the complexities of your case.

Resources for Florida Homeowners

• Florida Department of Financial Services – for filing complaints and finding resources related to insurance claims.
• Florida Office of Insurance Regulation – for regulatory information and consumer protection.

In conclusion, as Florida homeowners work through the aftermath of Hurricane Helen, it’s essential to stay informed and proactive in addressing insurance claim challenges. With ongoing advocacy and appropriate action, homeowners can push for the accountability and justice they deserve.

Navigating Insurance Claims After Hurricane Helene in Tampa Bay

Hurricane Helene’s Impact on Tampa Bay: Navigating the Legal Challenges

As Hurricane Helene unleashed its fury, causing extensive flooding and wind damage throughout Florida's Gulf coast, thousands of individuals in Tampa Bay are now faced with the daunting task of dealing with insurance claims. For those grappling with the aftermath of the calamity, prompt action is crucial. This comprehensive guide aims to assist individuals in understanding the intricacies of navigating the insurance claim process in the wake of Hurricane Helene, while also providing actionable steps and resources to seek legal assistance.

Understanding Your Insurance Coverage: Key Steps for Property Owners

When dealing with the aftermath of Hurricane Helene, the first step for property owners is to identify their insurance coverage and the specific type of damage incurred. For flood-related damage, it is essential to contact the National Flood Insurance Program or private flood insurers. Conversely, homeowners should reach out to their insurance company for all other forms of property damage resulting from the hurricane.

In situations where property has incurred both flood and non-flood-related damages, it is advisable to reach out to both insurance providers. The critical distinction between flood and homeowners policies is often a source of confusion, and clarity is imperative to ensure rightful compensation.

Taking Action: Contacting Your Insurer and Documenting the Damage

Upon identifying the relevant insurer to contact, reaching out promptly is key. Individuals should ensure that they provide accurate contact details and policy information during the initial communication with their insurance company. Timely communication facilitates the expeditious processing of their claims, expediting the assistance needed in the aftermath of the hurricane's devastation.

After initiating contact with the insurer, property owners should document the extent of the damage as meticulously as possible. Prior to commencing any cleanup efforts, capturing detailed photos and videos of the affected areas, damaged items, and pertinent documentation such as serial numbers and receipts is vital.

Navigating Challenges: What to Do if Your Insurer is Unresponsive

Unfortunately, the aftermath of a disaster can sometimes reveal the reluctance of insurance companies to promptly address claims. In such scenarios, it is crucial for individuals to understand their rights and recourse options. Florida state laws mandate that insurers respond to claims within seven days and provide a determination within 60 days.

In the event of unresponsiveness from an insurer, affected individuals have the right to file a complaint with the state's Division of Consumer Services. Additionally, seeking assistance from the state's insurance consumer advocate and engaging licensed public adjusters can provide crucial support in addressing claim-related challenges.

Leveraging Legal Support: Seeking Guidance in the Post-Hurricane Helene Landscape

For those grappling with insurance claim disputes or experiencing a lack of responsiveness from their insurer, accessing legal support becomes imperative. Whether facing difficulties with claims handling or navigating the complex aftermath of Hurricane Helene, skilled legal assistance can offer invaluable guidance and advocacy.

In Tampa Bay, individuals can find comprehensive legal support by reaching out to the esteemed legal practitioner, Casey the lawyer, at 813-222-2220. With a wealth of experience and a steadfast commitment to advocating for the rights of individuals affected by natural disasters, Casey the lawyer stands ready to provide expert guidance and support in navigating the legal challenges stemming from Hurricane Helene.

Evaluating the Aftermath: Assessing the Extent of Damage and Market Implications

As the assessment of Hurricane Helene's impact continues, the damage caused by the storm's relentless force becomes increasingly apparent. While storm surges have led to significant flooding across the Gulf coast, Tampa Bay has witnessed profound effects with a loss of life and extensive property damage. The need for comprehensive legal support and prompt insurance claim resolution in the aftermath of the disaster becomes increasingly evident.

A Call to Action: Seeking Legal Assistance in the Wake of Hurricane Helene

In the wake of Hurricane Helene, individuals in Tampa Bay facing the complexities of insurance claims and property damage are urged to take swift action. Seeking legal support and guidance from experienced professionals such as Casey the lawyer at 813-222-2220 can offer crucial assistance in navigating the challenges posed by the aftermath of the hurricane. By leveraging skilled legal support, individuals can ensure that their rights are upheld and that they receive the rightful compensation and resolution necessary to rebuild in the wake of the disaster.

In conclusion, the aftermath of Hurricane Helene presents formidable challenges for individuals in Tampa Bay. However, with the right information and access to skilled legal support, navigating the insurance claim process and addressing property damage can become more manageable. By reaching out to knowledgeable legal professionals such as Casey the lawyer and actively documenting the extent of the damage, affected individuals can take significant steps towards securing the resolution and compensation they rightfully deserve.

Hurricane Irma - Side Effects - Photos

Hurricane Irma - Days Later

The eye of Hurricane Irma hit somewhere in Hillsborough County Florida on Monday September 11 2017. I evacuated to the north of Tampa in an old oak hammock which was sure to not be in a flood zone. The damage in that area was all caused by the wind. I saw downed trees, torn off branches, downed power lines, gates torn off their hinges, downed fences, some missing roof shingles, broken and bent signs, a couple of misplaced chimney caps and filled to the brim drainage canals and retention ponds.


I was grateful that I didn't see or hear of any one near me being injured during the storm.  On Sunday, September 17, 2017 I went to get groceries at Wal-Mart on Bearss Ave and Nebraska Ave. Immediately, I could still see the effects of the hurricane. Over and over through the grocery aisles I saw empty shelves. There were almost no dairy, no bread, no canned foods, no lunch meats. Then as I approach the registered there were tables with microwaves and tables with chairs.

Wal-Mart had created a little area where customers could heat their food and eat it. With so many people still without power, it is certainly a kind gesture. The hurricane causes so much death, devastation, and stress. Every positive deed restores my heart.

Let Love and Gratitude guide your way.

Jodi Ann Baudean

CIO Florida Hurricane Attorneys

What To Do Before, During, After a Storm Like Hurricane Matthew?

Hurricane Matthew Insurance Claim Denied?

Hurricane Matthew Insurance Claim Denied?

"often times you must make 

a claim within a 

certain  period of time 

in order to be covered . . . "

Here is some great information from Caitlin Costa an experienced lawyer who represents home and business owners in Florida Insurance Claims. Denials of Claims are coming back at a furious pace.

Cities with huge losses and possible claims denied from Hurricane Matthew include: Amelia Island, Anastasia Island, Atlantic Beach, Cocoa Beach, Crescent Beach, Davis Shores, Daytona Beach, Duval County, Fernandina Beach, Flagler Beach, Jacksonville Beach, Lincolnville, Marineland, Neptune Beach, New Smyrna Beach, Ormond Beach, Palm Coast, Ponte Vedra, Saint Augustine, St. Johns County, Vilano Beach, Volusia County

Always Be Prepared

1.       Know your coverage. Request a complete, certified copy of your Policy. You are entitled to this, and may only have a Declarations page which does not fully capture your coverage or duties under the Policy.

2.       Make sure that you are not underinsured. Hurricanes and other major weather events can wreak havoc on properties with wind, rain, flood, water intrusion and other types of losses that can create astronomical repair costs.

3.       Document your conversations with your insurance company.

a.       Pay attention to deadlines.

b.      Try to get confirmation in writing.

c.       Keep a detailed notes of events surrounding damage, your claim, repairs, etc.
d.       Keep your receipts.

4.       Be safe and be wary of scams.

5.      Safeguard your property from further damage to the extent possible.  Insurers like to claim their insureds did not “mitigate” or prevent further loss.

6.       Make sure you understand what you’re signing- e.x. a work authorization vs. a full Assignment of Benefits.

7.       Get a second opinion/back up quote regarding damages sustained.

Before the Next Storm

Before the Next Storm make sure:

1.       Review your policy. If you do not understand your coverage, contact your agent or insurance representative.

2.       Take pictures and/or video of the interior and exterior of your property before the storm. You may need comparison photos to substantiate future claims.

3.      Make an inventory of valuable personal property and consider obtaining additional coverage for valuables.

4.       Be prepared for the storm itself.

5.      Listen to storm evacuation notifications by authorities.  Don’t be a hero.  Your property is not worth your life

During the Next Storm

During the Next Storm:

1.       Be safe. Protect yourself and your family, and safeguard your property against damage in advance.

2.       If you can safely do so, document damage to property as it is occurring (i.e. an active leak during the storm).

After the Storm

After this Storm:

1.       Give prompt notice of claim(s) to your insurer - report claim as soon as possible; often times you must make a claim within a certain period of time in order to be covered (see policy)

a.       List damaged items in notice

b.      It is okay to call in your claim but follow-up in writing
c.      Document everything

2.       Take pictures and/or video of the interior and exterior of your property after the storm

3.       Pay attention to any deadlines in your Policy and make sure to comply.

a.       e.x.  your insurer may request a “Proof of Loss” document, which often must be received by your insurer 60 days after loss, or 60 after requested depending on Policy.

4.       Keep a detailed inventory of damages (incl. personal property)

5.       Keep any and all repair receipts.

6.       If it is not safe to remain on your property, be sure to know your Additional Living Expenses (ALE) Coverage.   This coverage can help defray the costs of living outside of your home while it is repaired or rebuilt.

7.       Keep any and all receipts for hotel stays and eating our if displaced.

8.       Consider getting your own estimate for repairs.

9.       Consult an attorney to preserve your legal rights.

Hurricane Claims Not Paid by Insurance Companies

Over 4,000 Hurricane Matthew Insurance Claims Not Paid

Hurricane Matthew Claims Not Paid

Since our last report on insurance claims that have not been paid, we have seen a spike in unpaid claims. Many Hurricane Matthew Claims are Not Paid by Insurance Companies. The number of claims nearly doubled to 75,215. Volusia County has 22,000 claims. 870 claims have been closed without paying the policy-holders. In fact there are more claims closed without payment (870) than there are that have been paid (586).

The numbers speak for themselves. See the data above.

Source: http://www.floir.com/Office/HurricaneSeason/HurricaneMatthewClaimsData.aspx

Hurricane Matthew Claims Data - Update

Hurricane Matthew Claims
Estimate of Losses to Date:
$218 Million
39,302 Claims as of October 12, 2016

Estimate of Losses to Date:

$218 Million

39,302 Claims

The data from the Florida Insurance Commissioner is shocking, We will continue to update this post as we obtain the records from Hurricane Insurance Claims officials. we expect to be quite busy as the insurance companies and their adjusters are inundated with claims. Private adjusters are standing by to help your insurer understand the seriousness of your claims.

Volusia County has almost 12,000 claims already. Only 2.5% of them have been paid. None of the business interruption claims have been paid as of the original date of this post.

Types of Hurricane Insurance Claims

The types of hurricane insurance claims we have been watching are Residential Property, Homeowners, Dwelling, Mobile Homeowners, Commercial Residential, Commercial Property, Flooding, Private Flood, Federal Flood, and Business Interruption Insurance. We are tracking the data and keeping a close watch on whether the insurers are going to honor claims for the Hurricane.

Hurricane Matthew Claims Data

County and Number of Hurricane Matthew Claims    Alachua 65 Baker 18 Bay 3 Bradford 29 Brevard 5,499 Broward 254 Calhoun 1 Charlotte 3 Citrus 7 Clay 1,057 Collier 11 Columbia 15 De Soto 1 Dixie 3 Duval 6,536 Escambia 4 Flagler 2,273 Franklin 2 Gadsden 1 Gilchrist 2 Glades 1 Gulf 0 Hamilton 2 Hardee 2 Hendry 0 Hernando 6 Highlands 11 Hillsborough 49 Holmes 1 Indian River 727 Jackson 2 Jefferson 0 Lafayette 0 Lake 313 Lee 20 Leon 9 Levy 2 Liberty 0 Madison 1 Manatee 11 Marion 141 Martin 287 Miami-Dade 153 Monroe 7 Nassau 549 Okaloosa 3 Okeechobee 11 Orange 1,668 Osceola 222 Palm Beach 449 Pasco 25 Pinellas 23 Polk 88 Putnam 385 Santa Rosa 151 Sarasota 107 Seminole 1,262 St Johns 3,654 St Lucie 857 Sumter 22 Suwannee 3 Taylor 0 Union 1 Volusia 11,955 Wakulla 2 Walton 2 Washington 0 Statewide Total Hurricane Matthew Claims 39,302 As of Tuesday, October 12 at 8:15 a.m. (ET) Estimate of Losses to Date: $218 Million Source: http://www.floir.com/Office/HurricaneSeason/HurricaneMatthewClaimsData.aspx

Hurricane Matthew Damage Assessment from the Air

 Virtually untouched by Hurricane Matthew

Hurricane Matthew Damage

Amazing Tech - The team at NASA built a strong building when they built the place to assemble the moon rockets. It was virtually untouched by #Matthew. However, check out the beach house where the astronauts play.

Hurricane Matthew Beach House Damage

Beach house was damaged during Hurricane Matthew

The beach house was damaged during Hurricane Matthew. This was the site of some legendary beach parties with the astronauts.

According to NASA, "The Beach House is seen during an aerial survey of NASA's Kennedy Space Center in Florida on Saturday. The survey was performed to identify structures and facilities that may have sustained damage from Hurricane Matthew as the storm passed to the east of Kennedy on Oct. 6 and 7, 2016. Officials determined that the center received some isolated roof damage, damaged support buildings, a few downed power lines, and limited water intrusion. Beach erosion also occurred, although the storm surge was less than expected. NASA closed the center ahead of the storm’s onset and only a small team of specialists known as the Rideout Team was on the center as the storm approached and passed."

Hurricane Matthew Beach Damage

Beach and coastal dune system did the job, but was sacrificed

The beach and coastal dune system did the job, but was sacrificed. It appears that the sea oats have been replanted to catch sand for the next storm event.

According to NASA, "A beach area . . . survey was performed to identify structures and facilities that may have sustained damage from Hurricane Matthew as the storm passed to the east of Kennedy on Oct. 6 and 7, 2016.  . . . Beach erosion also occurred, although the storm surge was less than expected. "

Hurricane Matthew By The Numbers

According to sources here are a few details about the Hurricane Matthew and the storm's devastating toll.

• 8 deaths in North Carolina by floodwaters
• 4 dead in Florida 
• 3 dead in Georgia
• 3 dead in South Carolina.

http://www.tampabay.com/news/nation/storm-wipes-out-florida-sand-crucial-for-protection-tourism/2297247

Photo credit: NASA/Cory Huston

The Nasa Photostream is here:

https://flic.kr/ps/2DSj7P

The Nasa Photostream is also here:

https://www.flickr.com/photos/nasakennedy/with/29570485684/

The NASA Report is here:

http://blogs.nasa.gov/kennedy/2016/10/08/aerial-survey-of-kennedy/hurricane-matthew-damage-survey/

Google Crisis Map | Hurricane Resources Map

Hurricane Victim Resources Map

Map of Shelters Opened
in the Wake of
Hurricane Matthew

Please share this hurricane resources map known as the Google Crisis Map that shows resources available to victims of #Matthew or other natural disasters.

The map is updated in real time and shows resources available for natural disasters other than hurricanes. The image to the left is a Map of Shelters Opened in the Wake of Hurricane Matthew and shows the resources available on the Sunday after Hurricane Matthew exited Florida, the Southeastern United States, and the Atlantic Coast. The link and embedded map below are current.

 https://www.google.org/crisismap/weather_and_events

 

Hurricane Matthew Sailboat Video - Insurance Claim

Hurricane Matthew 

Hurricane Matthew Sailboat Video

Probably will need help for a hurricane insurance claim. #Matthew