Jorge Saname Jr., Public Adjuster

09/11/2026

Never Forget. 🇺🇸

Today, we pause to honor and remember the brave men and women who lost their lives on September 11, 2001.

We remember the innocent lives taken, the firefighters, police officers, first responders, military personnel, and everyday heroes who ran toward danger while others were running away.

We also remember the families who were left behind and the courage, sacrifice, and resilience shown in the days and years that followed.

May we never forget their names, their lives, their sacrifices, or the families who continue to carry their memory.

We remember. We honor. We will never forget. 🇺🇸

09/08/2026

⚠️ A FORCE-PLACED INSURANCE HORROR STORY — AND WHY IT MATTERS

Unfortunately, I recently encountered a situation where I was not able to represent a homeowner because the mortgage company, not the actual homeowner — was listed as the named insured on the policy.

I won’t share claim details out of respect for confidentiality, but this family is dealing with not one, but two ongoing property claims.

And the experience has been incredibly frustrating:

📞 Calls being transferred from one department to another.
❓ Unanswered questions about who is actually handling what.
🔄 A third-party field adjuster who appeared unsure about what needed to be assessed.
🏠 And a homeowner left trying to navigate the process while dealing with significant property damage.

This is the side of force-placed insurance that homeowners don't always hear about.

When coverage is placed by a mortgage company to protect (their) interest, the homeowner may find themselves in a very different position than they expected when a loss occurs.

I'm sharing this because I don't want to see another family go through a claim without understanding their rights, their coverage, and who is actually advocating for their interests.

Before disaster strikes, take a moment to understand what insurance coverage you actually have and who the policy protects.

💬 Have you ever dealt with a force-placed insurance policy? What was your experience?

09/02/2026

What Is a Public Adjuster? 🛡️

If you've never had to file an insurance claim before, you may not know that you have an option most people don't realize exists: hiring your own advocate for the claims process.

When a loss happens — storm damage, a burst pipe, a roof leak — your insurance company sends their adjuster to assess the damage and determine your payout. That adjuster works for the insurance company. Their job is to protect the insurer's interests, not necessarily yours.

A Public Adjuster works exclusively for you, the policyholder. I review your policy to identify every applicable coverage, thoroughly document the damage, and negotiate directly with the insurance company to pursue a fair, accurate settlement. I don't represent insurers — ever. My role is to make sure your claim is presented completely and that you understand the process every step of the way.

Whether your claim is new, already underway, underpaid, or previously denied, having someone in your corner who knows the process as well as the insurance company does can make a meaningful difference in the outcome.

Jorge Saname Jr., Public Adjuster
License
📞 (850) 775-5209
✉️ [email protected]

04/23/2026

Hurricane season is fast approaching 🌴

Take a moment to download or screenshot this information so you have it handy if a storm ever impacts your area. A little preparation now — like understanding your insurance policy and knowing what to do before and after a loss can make a big difference later.

If you’d like a free policy review or have questions, feel free to reach out anytime.

Stay prepared. Stay protected. 👍

03/17/2026

⚠️ Central Florida Severe Weather Alert – What You Need to Know ⚠️

Central Florida is currently under an elevated (Level 2/5) severe weather risk as a strong cold front moves through the region. This means conditions are favorable for storms that could impact property and safety.

🌩️ Primary Threats:
• Damaging winds (main concern)
• Hail
• Isolated tornado potential
• Brief heavy rain

🏠 Property Protection Tips:
• Bring in or secure loose outdoor items (patio furniture, grills, etc.)
• Park vehicles away from trees when possible
• Be alert for hail — it can cause immediate roof and vehicle damage
• If a storm hits your area, document any damage as soon as it is safe

📌 Why this matters:
Even “moderate” risk days like this are when we commonly see roof damage, water intrusion, and denied or underpaid claims later — especially when damage isn’t documented early.

Stay weather-aware, and don’t ignore warnings — conditions can change quickly.

If you have questions about storm-related property damage or how to protect your claim rights, feel free to reach out.

Stay safe.

Central Florida faces a heightened risk of severe weather today as a strong cold front moves through the area. Tracking the timing:

03/12/2026

📝 Why Insurance Estimates Sometimes Miss Line Items

It’s common for policyholders to notice differences between an insurance estimate and a contractor’s proposal.

When that happens, it doesn’t automatically mean something was done incorrectly — but it does mean the scope should be reviewed carefully.

Here’s why differences often occur:

🔎 Estimates Are Based on Observed Damage
📸 Documentation Drives Accuracy
⚖️ Policy Interpretation Matters

📌 When Further Review May Be Appropriate: A closer review may be warranted when additional damage is discovered, repair methods are disputed, code upgrades apply, the scope appears incomplete, and claims are not static. As information develops, the estimate may need to be adjusted accordingly.

Understanding how estimates are developed helps you evaluate your claim more confidently and make informed decisions.

If you have questions about a property claim in Florida or Georgia, I’m available to provide guidance.

03/10/2026

🏠 What Happens After You Report a Property Claim?

Many policyholders file a claim and then feel stuck waiting. Here’s what typically happens next:

1️⃣ Claim Acknowledgment: After you report the loss, the insurance company assigns a claim number and adjuster. 📌 Tip: Keep every email and document from this point forward.

2️⃣ Inspection: The carrier schedules an inspection of the property. ⚠️ Remember: The inspection is critical. What gets documented (or missed) can directly impact your claim value.

3️⃣ Estimate Review: The insurance company prepares an estimate for covered damages. 📊 This is where many claims begin to diverge from what contractors believe repairs will cost.

4️⃣ Coverage Determination: The carrier issues a formal decision in writing. ⚖️ Always review this carefully. The policy language controls everything.

5️⃣ Payment or Dispute: If approved, initial payment is issued (less deductible and depreciation, if applicable). If underpaid or denied, you may request a reinspection, submit additional documentation and escalate the dispute process. Every claim has options — but timing and documentation matter.

Final Thought: Filing a claim is just the beginning. Understanding the process helps you protect your rights and make informed decisions.

If you have questions about your property claim in Florida or Georgia, feel free to reach out.

03/05/2026

📉 Understanding Depreciation in a Property Insurance Claim

Here’s what every homeowner should understand:

🔎 What Is Depreciation?

Depreciation is the reduction in value based on age, condition, and expected lifespan of damaged property.
Insurance carriers apply it when calculating Actual Cash Value (ACV).

Many policies pay ACV first. The withheld amount may only be released after repairs are completed and documented.

📑 What Is Recoverable Depreciation?

Recoverable depreciation is the portion held back by the carrier that can be paid once you:

• Complete repairs
• Submit proof of completion
• Meet policy deadlines

Miss a step — and you may never receive the full amount.

⚖️ Why This Matters

If depreciation is misunderstood or miscalculated, you may:

• Underestimate your out-of-pocket exposure
• Misinterpret your settlement breakdown
• Leave money unclaimed

Depreciation must be reasonable, supported, and consistent with your policy language — not arbitrary.

Clear expectations. Informed decisions. No surprises. 📈

03/03/2026

🔍 Actual Cash Value vs. Replacement Cost — What’s the Difference?

Here’s what you need to know 👇

💰 Actual Cash Value (ACV)

Actual Cash Value equals: Replacement Cost – Depreciation (Depreciation reflects age, condition, and expected lifespan.)

🏠 Replacement Cost (RC)

Replacement Cost coverage pays the amount necessary to repair or replace damaged property with materials of like kind and quality — without deducting for depreciation.

However, in most policies:

1. The carrier initially pays the Actual Cash Value (ACV).
2. You must complete repairs.
3. Then submit proof to recover the withheld depreciation.

If repairs aren’t completed, you may never receive the full replacement value.

📉 How Depreciation Is Calculated

Carriers typically evaluate: Age of the item, useful life expectancy, pre-loss condition, and market-based estimating software. Depreciation is often applied line-by-line — not just to the roof, but to labor, materials, and sometimes overhead depending on policy language.

⚖️ The key issue: depreciation must be reasonable and supported — not arbitrary.

Why This Matters

If you don’t understand whether your policy pays ACV or Replacement Cost: You may underestimate your out-of-pocket exposure. You may miss deadlines to recover withheld depreciation. You may misinterpret your claim payment breakdown. Reviewing your estimate carefully is critical.

📑 Bottom Line:

Replacement Cost and Actual Cash Value are not the same — and the difference can materially impact your financial recovery after a loss.

If you have questions about how depreciation was applied in your claim, it’s worth having it reviewed before assuming the numbers are correct.

Policyholder Education matters. 📈