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Claim Closed Without Payment

It’s a very common complaint.  “My claim closed without payment.” Or, I called the insurance company and they told me my claim was closed. Well, you may be asking what does this mean? Is it possible to reopen a closed or denied claim? Maybe. FAPA has a lot of success with reopening denied claims Please […]

Are Public Adjusters Worth It?

A common question is, “are public adjusters worth it?”  It’s a good question because public adjusters charge fees.  Whether something is worth or not is entirely dependent on what the cost is and what the consumer gets out of it in the end. For a person to determine whether it is worth it to use […]

Appraisal vs Mediation in Property Damage Insurance Disputes

Appraisal versus Mediation

Appraisal vs mediation. Which do you choose? If you are in the middle of an insurance claim on your house and you cannot seem to get your claim settled, you might want to consider either appraisal or mediation rather than to seek a lawyer. Let’s break it down in simple terms: First, it’s important to […]

What are the Pros and Cons of Using a Public Adjuster?

public adjuster pros and cons

Having been handling homeowner insurance claims for more than a decade, clients ask, “what are the pros and cons of using a public adjuster?” The Pros – The Plusses: In terms of the advantages, one of the most obvious reasons why you will benefit is that you will have a licensed, experienced, advocate on your […]

$10,000 Water Damage Limit Will Ruin Your Day

Angry at insurance limit

Check your Homeowners Insurance Policy for a water damage limit! We are seeing $10,000 water damage caps with many homeowners insurance companies now. The first company in Florida to add the $10,000 water damage limit to their policies was Citizens Insurance. Then, soon after, many homeowners insurance companies started adding this dreaded water damage cap. […]

Home Disaster Inventory Checklist

Do you keep an inventory of the items in your home? If not, we recommend you to start making a Home Disaster Inventory Checklist today. There are apps that can handle this. The following is a simple app that you can put on your phone: Here is a great page which reviews several home inventory […]

Florida Public Adjuster Fees

Florida Public adjuster fee

Quick summary of Public Adjusting Fees in Florida: Hurricane Claims are Capped at 10% for the first year following a hurricane as long as the governor declared the storm a state emergency. After the first year following the hurricane, the Florida Public Adjuster Fees for hurricane claims are capped at 20%. Commercial property claims are […]

What is Appraisal in Property Claims?

appraisal

This will explain the appraisal process in property claims: When you and your insurance company disagree on the value of your loss, and your insurance policy has an appraisal clause, you have the option to ask for an appraisal if you feel like you are not getting a fair settlement and negotiations with the adjuster […]

Average Time To Settle Homeowners Claim

time to settle homeowners claim

What is the average time to settle a homeowners claim?  Does it seem like you are waiting and waiting and waiting and nothing seems to be happening on your homeowners claim?  Are you curious what the average time to settle homeowners claim should be? What is the Average Time To Settle Homeowners Claim in Florida? […]

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