When my father died he left his house to me and my siblings. We have to put house up for sale. We actually have a buyer from South Carolina two weeks when put on the market. Her loan was approved she brought new flooring to put in house . Now because she has a claim with an insurance company in South Carolina she has been denied insurance in Florida. How is that possible!

I love this guy 💪🏾🙏🏾🥶

What about Monarch?

Hi we had a water leak behind in the drywall!! And the water damage our living room flooring and kitchen cupboard also our tiles, and kitchen flooring is damage isn't our condo corporation responsible to fix our unit!! Because its not our fault.

If you use a public adj they take a percentage after they inflated the estimate. You failed to mention that.

Being a homeowner is soooooo freaking expensive 😢

Very informative. Does anyone know a resource like this for the state of Indiana?

Good Job Mike This is Me Marcus from Boston , Massachusetts , Very good explanation 👏 👍 👌

This is so informative. What a great service you are doing for people. I keep putting off my roof damage bc I'm afraid I'm gonna get screwed. This helped

Thank you

An insurance company invoked their right to repair when with what ended up to be a $0 claim. So if the homeowner has to pay for the repair, why should the insurance company invoke the right to repair? Thank you in advance

Just got dropped after 35 Years in Florida Who do you recommend Now for a Home over 20 years old?

After doing pu injection grouting to the basement wall to upper and down part how to rectify it and find the source of the leakage?

I already had an adjuster come out and emailed an itemized estimate (already approved by insurance), I think it's a lowball offer. What should be my next step in making sure I get a more "real estimate" with the insurance approving it? Also, what happens if you receive the insurance funds( haven't yet) and the amount is not enough to cover the damage? Is a contractor's estimate able to get the insurance to pay out more?

Can you get homeowners insurance to purchase a property that has a roof that is over 10 years old?

Just baught house been here a month notice 4 wet spots in are room and wet moisture on the inside of our windows. Had a person come and said we need a new roof but when we had the inspection done before moving in the inspector said the roof was good. What direction should I go in now ? I know the chimney crown and flashing needs work I’m in Milwaukee

What about Forty Insurance Associates out of Orlando?

THANK YOU SIR , YOUR SUGGESTION AND EXCELLENT INFORMATION!

Independent adjuster here, and I appreciate what you have to say ;) During my process, I've learned a lot about public adjusters, and let’s just say I'm not too fond of them. They often come across as sketchy and aren’t always focused on doing right by the insured. I hate not being able to fully help someone, but I love that I can do my best for them within my role. I stay within the legal lines, striving to do right by both the insured and the insurance company-it makes my job a lot easier. It’s reassuring to know there are still people out there with genuine heart.

So I just had a pipe burst while on assignment with the military and a pipe burst gushing so much water the city turned it off. By the time I got home the water was gone but the water bill was wiring for me which was $3000 which means approximately 30,000 gallons of water filled my house. I couldn’t stop myself from saying that to the inspector because it’s so ridiculous! Ps. They want to replace the carpet and call it done. Ridiculous.

Little off topic,got renter's insurance,but own home. Not in r name. Because Helena was a hurricane are deductible went from $500 to 5 percent of are maximum payout? Is this even legal?

Mike assisted me after Hurricane Ian. He fought for me, and I ended up receiving seven times the amount my insurance company tried to give me.

Excellent advice!

Who should fill out flood damage proof of loss forms

Did people know that if a vandal goes around and burns done some homes, you are covered under a home ownership policy, but, if the vandal claims or is shown to have done it to scare people that have a particular politician sign in their yard, it is domestic terrorism, which isn’t covered.

Thanks Mike for educating me in the new “ screw the policyholder” changes in FL! DeSantis and Petronis are in the pockets of the insurance industry in FL and I do not see the policyholder as ever getting what they need without a fight! Just keep paying them the premiums and maybe you might get coverage!😮

What about when we don’t have demo to do an unfinished Basement and my bill was 5k (example) and the insurance company paid me 4K just because you guys paid the DD out of our bill now I have to go after the HO to collect the rest (go back to class man) collect your DD if you can please follow me for more info

Like kind and quality is standard language and does not mean "lower quality." If you have solid wood, you won't get vinyl or veneer. Maybe there's a few companies but as an adjuster, everytime I've worked with a PA they try to push for stuff that A. Wasn't present B. The homeowner won't do and C. Increases their own payout. A person taking 10% of you loss isn't helping you if you have an honest adjuster. I wonder if the option to repair has anything to do with contractors simulating wind damage and filing bogus supplements. I've seen "contractors" put up fanfold and snap a photo to claim it was present.

What is the literal meaning of structure according to FEMA?

NC Helene victim apartment had water damage bc a window was cracked . The adjuster immediately denied bc it was due to hurricane . Is there a way around this? I’m so upset

Over the past 3 years I have seen a 30% increase per year with citizens

You’re an idiot bro lol. Scaring people to hire you hahaha what a dying profession you’re in. You’re the scammer taking a percentage of their overall claim.

Hey bud, my entire house was almost 2 ft standing flood water from Milton. I’m a disabled combat Marine and I’ve never dealt with this stuff before. Can I call you? I live in Tampa. Thank you

Hello Mike, I'm confused. I have a flood insurance policy with Neptune for substantially more than the FEMA policy you refer to in the video. Are you saying that I can only claim 50% of the assessed value of the home, based on the policy I have? Or based on the max FEMA type policy?

Thank you SO much! I didn't even know there was such a thing as a public adjuster. This is so helpful and I'm calling around now (Washington state) to find a local public adjuster to help with insurance denial. Ideally, I would have known about this six weeks ago....yikes!

If you have to trick someone you’re probably doing something unethical and probably illegal

I have two discrepancies happening simultaneously with my roofing claim. First one is, what is my recourse if the claims adjuster mixed pictures of another house into the pictures he took of my house? The pictures that were not of my house, made it look as if I was a hoarder. During the deposition, my attorney claims he asked the claims adjuster while under oath, if all of the pictures he presented under my claim were of my home and he said yes. He said he asked him was he sure? The claims adjuster said, yes. Second discrepancy is, I signed an AOB with the roofing company. I requested to see a copy of the photos the representative took the day he knocked on my door when the lawyer the roofing company set me up with, ( I was not given a choice to hire my own attorney) told us the claims adjuster said he did not see any damages on the roof. The pictures the roofing company submitted to the lawyer and the insurance company, was not the damages shown to me when they initially knocked on my door. I was shown actual damages which promoted me to file a claim. I believe there is some fraud taking place with both the roofing company and the insurance company, so I requested the lawyer get time stamps on the photos submitted by the roofing rep. It's been almost two weeks and the lawyer has yet to send photos showing the time stamps of the photos. I'm in Florida, by the way.

Here on the east coast PA are getting 30% of claim value having lawyers filing immediately against insurance companies, my granddaughter filed a claim under $ 7,000 the proceeds were not enough to pay for damages, I feel a larger claim is worth the PA fees, or in some cases hire a PA since company adjusters will low ball the claim hoping people will just go away satisfied.

Great video, we are in process from Helene and the whole claims process is exhausting and overwhelming. We are a younger tech savvy couple and still a lot of time and effort, if you were an older person I think using a public adjuster is no brainer. We had one come door to door 2 weeks ago snd was shocked on level of photos we were takin, no one else on our street that got flooded was doing this. Our assigned adjuster seems very nice and seems willingly to help sp far but especially for contents it’s so much work. If your not able to do it the 10% is fair in my opinion.

Letting someone in the door and overwriting an estimate? What does one thing have to do with the other??

Thanks

Like literally nobody wants to struggle to hear a KZbin video

Fix your mic

Thanks Very Helpful!

So if the area only had tropical storm warning like we just had in Miami Dade but you had wind driven rain damage which deductible would apply ?

Greatest video ever.. this guy's advice is GOLDEN 👌💯👏👌💯

Any suggestions on Florida Peninsula Ins Co? As you know, many Homeowners Ins in 2023 fled (bankrupted) the state of FL, had no choice but to go with Citizens and now we are required to Switch to either Monarch or Fl Peninsula. I'm getting this notice as we are in currently about to get hit with Hurricane Milton.

Enjoying the conversation. I'm waiting on a water damage claim offer now.

I can’t express how grateful we are for this information. We’ve been in Florida for 30 years and haven’t had to deal with direct hit yet, but one is heading this way. I’m so glad I found you in my research. Be proactive folks!

Great video, with NFIP and house is gutted 4 feet and under, is there a typical payout, or is there something that would trigger max payout? House is gutted and lost everything and won’t know payout for weeks and tough to get any ideas if my family will be ok..,