Hurricane Claim Basics

09/30/2022

It's been a while since I posted here. I'm about to head down to South Florida's storm area after Hurricane Ian. It's always a mixed bag with a lot of devastation.
If you're on this page, you know I'm a Public Adjuster.
Some people don't know what PAs do. Well, we help people navigate the insurance claim process. It can be daunting! ...ask someone who's tried to do it on their own. It's super frustrating even when you know the rules, and much more so if you don't.
If you believe that you probably shouldn't go to court without hiring a professional to represent you, you should probably think the same about the claim process. Find someone that you can trust and have them help you.
I started this page as an impromptu way to answer questions for friends and neighbors. If the videos can help someone you know, please share them.
If you know me and feel comfortable recommending me to someone you know in the affected area, I'll attach my flyer below so you can pass it on. Thanks,
Andy

09/30/2022

10/14/2020

In this video: Basic explanation of RCV, ACV, Depreciation & Deductible

09/24/2020

Hi guys! Here's the link to AOB - FL Office of Insurance Regulation:

An Assignment of Benefits, or an AOB, is a document signed by a policyholder that allows a third party, such as a water extraction company, a roofer, or a plumber, to “stand in the shoes” of the insured and seek payment directly from the policyholder’s insurance company.

09/24/2020

Hi guys! Here's the link to AOB Consumer Tips - FL Dept Financial Services:

09/24/2020

Hi guys! Here's a link to AOB Red Flag Checklist - FL Dept Financial Services:

09/24/2020

Hi guys! Here's the same great info on AOBs - I'm just posting each link individually. (Seems that some of the links were broken in the first post - sorry about that!)

AOB Consumer Video - FL Dept Financial Services:

09/24/2020

Hi guys! Here is some great info on AOBs from MyFloridaCFO.com, Dept. of Financial Services, and FL Office of Insurance Regulation. Don't take my word on it, check it out for yourself!

AOB Consumer Video - FL Dept Financial Services
http://players.brightcove.net/913730540001/default_default/index.html?videoId=5420640804001

AOB Red Flag Checklist - FL Dept Financial Services
https://www.myfloridacfo.com/Division/Consumers/documents/AOBChecklist.pdf

AOB Consumer Tips - FL Dept Financial Services
https://www.myfloridacfo.com/Division/Consumers/documents/AOBConsumerTips.pdf

AOB - FL Office of Insurance Regulation
https://www.floir.com/Sections/PandC/AssignmentofBenefits.aspx

An Assignment of Benefits, or an AOB, is a document signed by a policyholder that allows a third party, such as a water extraction company, a roofer, or a plumber, to “stand in the shoes” of the insured and seek payment directly from the policyholder’s insurance company.

09/23/2020

If you have a question regarding your insurance claim then chances are someone else has the same question. DM me & I'll try to answer it in a video.

09/23/2020

5. In this video: Hiring a Public Adjuster, PA Requirements vs. Contractor Requirements, Legitmate Line Items, Local Headquarters, Wind Damage Regulated by State Gov't, Flood Regulated by Federal Gov't, When to Hire a PA.

09/23/2020

4. In this video: Out-of-town contractors, Don't sign a release.