05/11/2024
I went live earlier with Nicole Everett and Tasha Carter, Insurance Consumer Advocate with Florida Department of Financial Services Insurance Consumer Advocate. This role is pivotal in times like these when weather results in damage and neighbors aren't quite sure how to navigate insurance claims. One thing that is clear- there are three types of situations that are exposed in the aftermath of a storm event:
- Those who are insured. These folks can usually call their insurance company, file a claim, and based on adjuster availability get their work completed with payment of a deductible.
- Those who are under-insured. These folks have a basic policy that may not cover certain things or provide sufficient or complete coverage of repair/restoration costs;
- Those who have NO insurance. These are folks who own their property outright or are renters and do not have insurance coverage on their real or personal property.
In the case of rampant damage like this, it is critical for landlords, homeowners, and tenants with contents policies to check in with their insurers. That is why you pay these disrespectful payment every month- so that when you need assistance you can tap into it.
We also discussed "storm opportunists" and straight up annoying scams that take place in communities recovering in the aftermath of a storm. A couple of points of caution:
- Do not sign anything from anybody. If they are not from your insurance company do not believe them.
- Verify those who come to your door as a public official and trusted community advocates. The City/County know who these people are and they have information to verify the identity of active community folks who are in place to help.
- DO NOT HIRE UNLICENSED, UNINSURED PEOPLE to work on
your home. They should be able to produce a General Liability Policy, Workers Comp (if more than one employee) and business registration. This is important- if you do not ensure they have liability coverage, they could become a LIABILITY for you and possibly sue you if they get hurt doing your job.
There is a wealth of information available to get the business of recovery underway- check out FDFS website here https://www.myfloridacfo.com/division/ica/meetyourica and learn more about the role of Florida's Insurance Consumer Advocate and more resources available to Floridians facing weather-related crises.
Here is a link to today's conversation https://www.linkedin.com/events/post-stormrecoveryintlh-whatnei7194791793366892544/theater/ ... let's recover together.
Florida's Insurance Consumer Advocate Tasha Carter is The Voice for Florida's Insurance Consumers.