Rescued Claims

08/14/2026

🚨 HOMEOWNER CHALLENGE #001

Most people only see what's on the surface.

A small ceiling stain.
A little discoloration.
A slightly buckled floor.

But what if those were only the symptoms?

The biggest problems are often hidden behind the drywall, beneath the flooring, or above the ceiling—long before they're obvious.

👀 So... how many did YOU find?

👇 Comment your score...

0️⃣ • 1️⃣ • 2️⃣ • 3️⃣

💾 Save this post so you can compare it with your own home.

📲 Follow for more Homeowner Challenges that teach you how to spot damage before it becomes a major repair.

Because the damage you don't see is often the damage that costs the most.

08/11/2026

🚨 Florida homeowners… be honest.

When do you actually prepare for hurricane season?

🟢 Before hurricane season begins?

🟡 When the National Hurricane Center starts issuing updates?

🔴 The week a storm is headed your way? When it's raining?

There’s no judgment here—just curiosity.

Every year, stores sell out, gas stations run dry, and homeowners scramble to protect what matters most. But hurricane preparedness isn't just about water, batteries, and plywood.

It's about knowing your insurance coverage.
It's about documenting your home.
It's about protecting your family before you ever need to file a claim.

The current tropical outlook is a reminder that we're in hurricane season—not a prediction that these storms will impact Florida. The best time to prepare is before you need to.

👇 So tell me...

What's your hurricane routine?

Do you prepare every year, wait until a storm forms, or have a tip that every Florida homeowner should know?

Your answer might help another family be better prepared.

💾 Save this post as a reminder to review your policy and hurricane plan before the next storm.

📤 Share it with another Florida homeowner and see what they say.

If you ever have questions about your homeowners insurance policy, storm damage, or an insurance claim, send me a message. I'm always happy to help.

Because when the wind stops... the paperwork begins.

08/07/2026

🚨 Most homeowners think they have "homeowners insurance."

You don't.

What you actually have is multiple coverages, each designed to protect a different part of your life after a loss. And if you don't understand what each one does before disaster strikes, you could miss benefits you've already been paying for.

🏠 Coverage A – Your home (Dwelling)
🏡 Coverage B – Detached structures like sheds, fences, detached garages, pergolas, and gazebos
📦 Coverage C – Your personal belongings, from your TV and couch to family photos, toys, clothing, silverware, furniture, and everything in between
🏨 Coverage D – Additional Living Expenses (ALE) if your home becomes uninhabitable after a covered loss

Insurance isn't just about rebuilding a house. It's about protecting your home, your property, and your life while you're recovering.

The more you understand your policy today, the more prepared you'll be tomorrow.

💬 Have questions about your homeowners insurance policy?
Send me a DM. I'll help you understand what your policy says—in plain English.

🏠 Think you have storm, wind, roof, fire, or water damage?
We provide FREE property inspections and can review underpaid or denied insurance claims throughout Florida.

📌 Save this post so you know where to start before you ever need to file a claim.
📤 Share it with a homeowner who thinks "insurance is insurance."

Because when the wind stops... the paperwork begins.

07/27/2026

🚨 MYTH MONDAY 🚨
❌ MYTH: "I have my own adjuster. The insurance company sent one out."

✅ REALITY: The adjuster assigned by the insurance company represents the insurance company during the claim process. They cannot represent both the insurer and you, the policyholder, at the same time.

A licensed public adjuster works only for the policyholder, helping document the damage, interpret policy coverage, and present the claim as completely and accurately as possible so you're given every opportunity to recover what you're entitled to under your policy.

Most Florida homeowners don't learn this until after they've already settled their claim.

Don't let that be you.

Whether your damage came from a hurricane, tropical storm, hail, wind, water, plumbing leaks, or another covered loss, understanding who represents your interests can make a significant difference in how your claim is handled.

💬 Think your home has damage?
🏠 Already filed a claim but feel something was overlooked or underpaid?

We're happy to take a look.

✔ FREE Property Inspection
✔ FREE Claim Review
✔ No Obligation
✔ Honest Answers

📌 SAVE this post. You may not need it today—but when the next storm hits, you'll know exactly who to call.

📲 Send us a DM or call us today to schedule your free inspection or claim review.

Because when the wind stops... the paperwork begins.

08/08/2022

☄️🔥⚡️💧🌀
Have you ever filed an insurance claim? Did you know you have the option of hiring your own adjuster to handle your claim for you, so you don't have to fight the insurance adjuster alone? As a public adjuster, we work for YOU, NOT the insurance company. The insurance company has their own adjuster, you should have yours!

If you own property anywhere where these storms hit, your property may have suffered storm damages. Wind and hail are typically covered under a homeowner's insurance policy. Not sure? Call Derek Kobel for a free post-storm property inspection and policy review! Claim underpaid or denied? Call me to chat!

Have a safe evening out there everyone!

Derek Kobel
Licensed Public Adjuster
FL
LA, CO, OK, NC, SC
561.951.7968

Severe Thunderstorm Warning for Pinellas county until 5:30. Tons of lightning, winds of 60 mph and small hail reported. We're tracking it live right now on ABC Action News.

08/08/2022

☄️🔥⚡️💧🌀
If you own property anywhere where these storms hit, your property may have suffered storm damages. Wind and hail are typically covered under a homeowner's insurance policy. Not sure? Call Derek Kobel for a free property inspection! See contact information below.

Have you ever filed an insurance claim? Did you know you have the option of hiring your own adjuster to handle your claim for you, so you don't have to fight the insurance adjuster alone? As a public adjuster, we work for YOU, NOT the insurance company. The insurance company has their own adjuster, you should have yours!

If you feel you were affected by this storm and damages could have occurred to your property, call me for a free post-storm property inspection! Claim underpaid or denied? Call me to chat.

Have a safe evening out there everyone!

Derek Kobel
Licensed Public Adjuster
FL
LA, CO, OK, NC, SC
561.951.7968

06/06/2022

Fire losses can be one of the most devastating events to happen to a homeowner or business owner. When filing an insurance claim, know your rights within your insurance policy and what really is damaged due to both fire and smoke. Know you have the option to hire your own adjuster, a public adjuster, to represent you in the claims process to ensure you are put back to pre-loss conditions.

If you or anyone you know has had a fire, DM now to speak to our adjuster.