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Monday, October 24, 2016

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

Hurricane Matthew Insurance Claim Denied
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.


Monday, October 17, 2016

Hurricane Claims Not Paid by Insurance Companies

Bad Faith Claims, Florida Hurricane Claims, Hurricane Matthew Claims, insurance claim
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.



Thursday, October 13, 2016

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


Residential Property, Homeowners, Dwelling, Mobile Homeowners









Commercial Residential, Commercial Property, Flooding, Private Flood, Federal Flood, and Business Interruption Insurance























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

Monday, October 10, 2016

Hurricane Matthew Damage Assessment from the Air

Hurricane Matthew Beach House Damage, Hurricane Matthew Damage, Hurricane Matthew,  Hurricane Matthew Damage Merritt Island Florida
 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


Hurricane Matthew, 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


Hurricane Matthew, Hurricane Matthew Beach House Damage, Hurricane Matthew 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.



Photo credit: NASA/Cory Huston

The Nasa Photostream is here:


The Nasa Photostream is also here:


The NASA Report is here:

Sunday, October 9, 2016

Google Crisis Map | Hurricane Resources Map

Hurricane Victim Resources Map


Hurricane Matthew Map of Shelters Opened  in the Wake of
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

 

Friday, October 7, 2016

Wednesday, October 5, 2016

Video - Hurricane Matthew from the International Space Station

Video - Hurricane Matthew from the International Space Station

 


Video - Hurricane Matthew from the International Space Station

Hurricane Matthew packing winds of 120 miles an hour. Matthew is heading toward Florida where it probably will cover the Kennedy Space Center. The National Hurricane Center issued hurricane warnings for almost the entire East Coast of Florida.