In this insightful discussion, Kyle Maring, CEO of Premier Claims, sits down with a representative from HailTrace to discuss the impact of Hurricane Helene. They explore the current challenges faced by affected communities and outline the crucial next steps for restoration and recovery efforts. Tune in to hear their professional perspectives on navigating the aftermath of such a devastating storm.
In the wake of Hurricane Helene, thousands of families are still displaced, uncertain of when—or if—they’ll be able to return to their homes. With homes flooded, roofs torn off, and belongings destroyed, the path to recovery is overwhelming. Many are still waiting to hear about loved ones, while others have only just begun the daunting process of gathering what remains to file insurance claims.
While you focus on your family’s safety and rebuilding your life, it’s vital to be aware of a harsh truth: not all insurance carriers will treat you fairly. This blog is here to help you navigate the claim process, protect your rights, and avoid falling victim to bad faith tactics used by some insurers.
Bad faith refers to deceitful practices by insurers who, rather than honoring the terms of your policy, choose to delay, deny, or underpay your claim. In the aftermath of Hurricane Helene, these tactics can slow down the recovery process at a time when you need immediate assistance. After enduring such a loss, the last thing you expect is for your insurance provider to offer a settlement that barely covers the damage. Yet, many victims are shocked when they receive an offer that feels like a slap in the face. If this sounds alarming, it’s because these strategies are all too common. Knowing what to watch for is your first line of defense.
If you’re just beginning to gather the items you need for your insurance claim, being aware of the possibility of bad-faith tactics is critical. Here’s how to approach the process carefully and protect yourself:
As you begin your claim, take detailed photos and videos of the damage—if and when it’s safe to do so. Thorough documentation will support your claim, whether it’s a collapsed roof, waterlogged furniture, or shattered windows. If possible, keep all receipts for emergency repairs, temporary housing, or any other related expenses.
Insurance carriers may try to dispute the extent of your loss. Having comprehensive documentation can help you counter any attempts to undervalue your claim.
Once you file your claim, your insurer may try to offer a quick, lowball settlement. This may seem tempting—especially if you’re displaced and need immediate assistance—but these offers often fall far below what your policy entitles you to receive. You don’t have to accept the first offer. Taking the time to review and negotiate can prevent you from being shortchanged.
As our Client Specialist MaKayla Fountain explains, “I’ve experienced many cases where the carrier has bullied the insured into settling the claim or settling for less. They threaten to drop the policy or raise the insured’s premiums. They put a lot of fear into the insured.” This fear often drives policyholders to accept offers that don’t come close to covering their losses.
It’s crucial to take a step back, understand your rights, and not let fear drive your decision.
Before you file, review your insurance policy to understand what’s covered and what’s not. Many homeowners are unaware of certain exclusions or limitations, which can lead to surprises down the line.
Insurers may use complicated language or fine print as a shield, denying claims that are otherwise valid. Knowing your coverage helps you argue against such tactics.
If your insurer is slow to respond or repeatedly asks for unnecessary paperwork, don’t give up. These are classic bad-faith moves designed to wear you down. Keep communication records—emails, phone call logs, etc.—to demonstrate your compliance and persistence.
Delays can work to the insurer’s benefit. By documenting their lack of action, you can push back and even build a case for bad faith, should the issue escalate.
As you navigate the claim process, keep an eye out for red flags. Insurers often employ tactics designed to frustrate policyholders into settling for less:
If weeks go by without an update or if your adjuster keeps disappearing, this could be a delay tactic.
While it’s normal to submit basic documents, such as proof of loss or receipts, multiple or irrelevant requests might signal bad-faith behavior.
If your insurer starts interpreting policy terms in ways that seem unfair, unusual, or contradictory—they may be trying to reduce your payout unjustly.
If you notice these signs, it might be time to bring in outside help.
During this difficult time, your insurance carrier should be your partner in recovery—but as we’ve discussed, that’s not always the case. A public adjuster works for you, not the insurer, helping to ensure your claim is handled fairly and accurately.
As Joey Cafaro, Senior Desk Adjuster, explains, “After significant damage, policyholders naturally focus on recovery, often overlooking the need to protect themselves, which can lead to underpaid, delayed, or denied claims. Consulting with a public adjuster early on protects their interests from the start. As experts, we thoroughly document all aspects, understand industry cost standards, and navigate policy details that can impact coverage. While policyholders juggle jobs and families, our full-time role is to combat insurance carrier delays, aiming to ensure claims are settled fairly and promptly.”
Insurers have teams of adjusters and lawyers protecting their interests—and you should, too. A public adjuster is your advocate, ensuring your claim is not undervalued or unjustly delayed.
With a public adjuster on your side, you can rely on their knowledge of the industry, understanding of bad faith tactics, and ability to fight for the settlement you deserve.
The road to recovery after Hurricane Helene is long and uncertain. Filing an insurance claim during such a chaotic time can feel overwhelming. However, understanding the possibility of bad-faith tactics will help protect you. Keep track of your documents, stay persistent, and never hesitate to ask for help from a public adjuster if you feel your insurer isn’t acting in your best interest.
Bad faith tactics shouldn’t stand in the way of rebuilding your life. If you’re still waiting for your claim to process, or if your insurer hasn’t provided the assistance they promised, remember—you have the right to fight back.
Contact Premier Claims today to set your claim up for success!
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In the wake of the recent destruction from hurricanes, thousands of homeowners are not just picking up the pieces of their lives—they’re bracing for a new kind of storm: the battle with their insurance carriers. While families are still reeling from the devastation, a darker, more troubling reality is unfolding. Will their insurance policies—the safety nets they’ve invested in for years—come through when they need them most?
If history is any indication, the answer might leave you unsettled. CBS’s recent 60 Minutes exposé on Hurricane Ian revealed how insurance carriers systematically underpaid or outright denied policyholders. They altered damage assessments to reduce payouts. With Hurricane Helene and Milton’s damage mirroring, if not exceeding, Ian’s, homeowners must now confront the possibility that they, too, could face the same unfair treatment.
As you begin the recovery process, it’s crucial to know how to protect yourself from an industry that may prioritize profits over people.
According to the episode, many policyholders found that their damage reports were mysteriously altered, underestimating the destruction to their properties. As the whistleblowers interviewed in the episode noted, insurance carriers deployed tactics that included modifying damage estimates—sometimes drastically—to minimize the compensation owed to homeowners. A contractor featured in the episode shared, “The damage was clear, but what wasn’t clear was why the estimates didn’t match reality anymore.”
As evidenced in the 60 Minutes episode, policyholders from Hurricane Ian are still battling their insurance carriers for the compensation they were promised. These delays and reductions in payouts can be financially crippling at a time when people need help the most.
The question on everyone’s mind now is: Could this happen again with Hurricane Helene & Milton? Unfortunately, the current insurance climate suggests that it’s not just a possibility, but a strong likelihood.
Given the current landscape, there are several things policyholders should keep in mind when navigating the claims process after a Hurricane:
As we watch more hurricane devastation unfold, property owners must brace themselves for the physical recovery and the potential financial battle ahead. In many cases, it’s not about how much damage was done but how much insurers are willing to acknowledge.
We encourage policyholders to stay informed, know their rights, and reach out to professionals when in doubt. The lessons from Hurricane Ian should serve as a grim reminder: proactively know the coverage and rights within your policy so you know when it’s time to defend your claim.
During the recovery process, our team will be adding and updating the state-by-state guide as more information and resources become available. Undeniably, Hurricane Milton will have a significant impact, just as Hurricane Helene has shown throughout the Southeast. Above all, your safety is our priority, and we stand ready to support you every step of the way.
| Resource | Service | Phone | |
|---|---|---|---|
| Red Cross Alabama | Shelter, additional resources, and storm updates | 205-795-8700 | – |
| Alabama Emergency Management Agency | Shelter information and emergency alerts | 205-280-2200 | Info@ema.alabama.org |
| Algo Traffic | Traffic updates | 334-353-6554 | aldotinfo@dot.state.al.us |
| National Weather Service | Live storm updates | 205-664-3010 | – |
| Resource | Service | Phone | |
|---|---|---|---|
| Red Cross: Central Florida | Shelter, additional resources, and storm updates | 813-348-4820 | – |
| Red Cross: North Florida | Shelter, additional resources, and storm updates | 904-358-8091 | – |
| Red Cross: South Florida | Shelter, additional resources, and storm updates | 561-833-7711 | – |
| Florida Disaster | Shelter, storm preparation, and recovery assistance | 850-815-4000 | – |
| FL 511 | Traffic updates | 866-511-3352 | fdot.servicedesk@dot.state.fl.us |
| Cause IQ | Animal shelter locations and resources | – | – |
| Florida Commerce Private Sector | Assess damage | 850-815-4925 | – |
| Salvation Army | Disaster relief and food resources | 800-725-2769 | Submit Contact Form |
| Resource | Service | Phone | |
|---|---|---|---|
| Red Cross: Georgia | Shelter, additional resources, and storm updates. | 404-876-3302 | – |
| GA 511 | Traffic updates | 877-694-2511 | – |
| Georgia Emergency Management Agency | Storm updates, shelter locations, and additional resources | 404-635-7200 | ExternalAffairs@gema.ga.gov |
| Healthy Canines | Animal shelter locations and resources | 404-835-7684 | grants@healthycanines.org |
| Resource | Service | Phone | |
|---|---|---|---|
| Red Cross: North Carolina | Shelter, additional resources, and storm updates | 704-376-1661 | – |
| ReadyNC | Shelter locations | 919-825-2500 | – |
| NC 511 | Traffic updates | 877-511-4662 | – |
| NCDPS | Storm updates and FEMA assistance | 919-710-8885 | Submit Contact Form |
| Bring Fido | Animal shelter locations and resources | 877-411-3436. | help@bringfido.com |
| Resource | Service | Phone | |
|---|---|---|---|
| Red Cross: South Carolina | Shelter, additional resources, and storm updates | 843-764-2323 | – |
| SC Emergency Management Department | Open shelters, evacuation routes, and emergency alerts | 803-737-8500 | WebAlert@emd.sc.gov |
| SC 511 | Traffic updates | 877-511-4672 | – |
| Bring Fido | Animal shelter locations and resources | 877-411-3436. | help@bringfido.com |
| Resource | Service | Phone | |
|---|---|---|---|
| Red Cross: Tennessee | Shelter, additional resources, and storm updates | 615-250-4300 | – |
| Red Cross: Fort Campbell | Shelter, additional resources, and storm updates
*also open to non-service members* |
270-798-2171 | campbell@redcross.org |
| TN 511 | Traffic updates | 877-244-0065 | – |
| Tennessee Emergency Management Agency | Preparedness tips, shelter lists, and storm updates | 615-741-0001 | – |
| World Central Kitchen | Provide meals to victims and first responders | 202-844-6330 | hello@wck.org |
| Resource | Service | Phone | |
|---|---|---|---|
| Operation BBQ Relief | Delivers BBQ to disaster-affected communities | 844-627-7353 | info@operationbbqrelief.org |
| Mercury One | Help restore communities after natural disasters | 972-499-4747 | questions@mercuryone.org |
| Operation Blessing | Provide hunger relief, clean water, disaster relief, and medical care to those affected by disasters | 800.730.2537 | Submit Contact Form |
| Gideon Rescue | Provide medical care, search and rescue, resource management, and more to disaster-affected communities | – | gideonrescueco@gmail.com |
| Samaritan’s Purse | International disaster relief | 833-801-7746 | info@samaritan.org |
| Team Rubicon | Disaster relief to affected communities | 310-640-8787 | Submit Contact Form |
| Churches of Christ | Disaster relief to affected communities | 888-541-2848 | info@disasterreliefeffort.org |
| Mercy Chefs | Provide restaurant-quality meals to victims, volunteers, and first responders in natural disasters and emergencies | 757-292-4264 | info@mercychefs.com |
| Marco Patriots | Hot meal service, disaster service for animals, missing persons search, and disaster relief | – | Marcopatriots4u@gmail.com |
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Hurricanes are unpredictable and destructive forces of nature, wreaking havoc on homes, infrastructure, and the lives of many. When a hurricane hits, access to critical services may be severely limited or nonexistent. That’s why being fully prepared is essential—not only to get you through the storm but also to manage the potentially dangerous aftermath. Let’s break down the must-have hurricane survival supplies that could make all the difference—plus, the potential consequences if you find yourself unprepared.
What happens if you’re not ready? The consequences of under-preparing for a hurricane aren’t just inconvenient—they can be life-threatening.
Don’t forget to stock extra supplies if you’re responsible for elderly family members, small children, or pets. They’ll have specific needs, and those are easy to overlook when you’re rushing to prepare.
Want to be really ready? Download our full Hurricane Preparedness Checklist and make sure you’re covered before the storm strikes.
Hurricanes pose significant risks to property owners in vulnerable areas. Proper insurance coverage is essential to protect your investment and ensure a smooth recovery process. Here’s what you need to know to secure the right hurricane insurance coverage:
Hurricane coverage encompasses various protections against windstorm damage, flood damage, and additional living expenses (ALE) during recovery. This insurance is crucial for safeguarding both your property and financial stability.
When considering your insurance policy, start with windstorm and hurricane Coverage. This coverage is your essential defense against the destructive impacts of hurricanes. Make sure your policy includes protection against wind-related damage, such as roof damage and shattered windows. This coverage not only shields your property but also provides you with peace of mind.
In hurricane-prone zones, flooding is a major concern. While Windstorm and Hurricane Coverage are crucial, they may not cover flooding resulting from storm surges or heavy rainfall. To address this gap, think about adding a separate Flood Insurance Policy. This comprehensive coverage takes care of both structural damage and your belongings in the event of flooding.
After a hurricane, your home might be uninhabitable due to extensive damage. This is where Additional Living Expenses (ALE) Coverage comes into play. ALE ensures you have support for temporary housing, meals, and other necessities while your property is being restored. This provision in your policy can greatly ease the challenge you face during the post-hurricane period.
Understanding your policy’s deductibles, including Named Storm Deductibles, is crucial. These deductibles apply specifically to damage caused by named hurricanes or tropical storms. Keep in mind that these deductibles are often higher than your standard deductible. Knowing these details can help you avoid unexpected financial setbacks.
Keep in mind— once a hurricane is named, you cannot modify your insurance policy. Taking a proactive approach and reviewing/ updating your coverage before a hurricane approaches is in your best interest.
We have partnered with the Merlin Law Group to provide extra insight into the importance of hurricane coverage. Merlin Law Group has created guides specifically to assist policyholders in preparing for hurricane season. For residential policyholders, they have a Hurricane Checklist with tips on how to protect their property. As well as a Condominium Hurricane Preparedness Guide for multi-family properties.
As industry leaders, we’re committed to supporting you not just as policyholders but as individuals seeking security and recovery after a devastating loss like a hurricane. Premier Claims is here to guide you every step of the way. For a complimentary policy review, fill out our policy review form: https://premier-claims.com/policy-review/
The destruction after a hurricane can be immense and overwhelming. And despite the aftermath of a hurricane, the last thing you want is for your property to suffer more damage. Your insurance policy will also mandate for you to mitigate further damages. We’ll discuss your duty as a policyholder to mitigate further damages, options for mitigation, and how mitigation factors into your insurance claim.
Your insurance policy mandates that you take reasonable steps to protect your property from additional damage post-hurricane. The language will vary in each policy, but the overall objective is the same— protect your property from further damage.
Check your insurance policy for detailed guidelines on what actions you should take after your property suffers hurricane damage. Complying with your policy terms will be crucial in your claims process.
Keep records of all costs you incur while taking steps to prevent further damage to your property. These records serve as proof of expenses when you file your insurance claim.
We recommend seeking the advice and assistance of a professional after a hurricane, as the damages can be quite extensive and overwhelming. A professional will inspect your damages, provide an estimate, and perform the mitigation for you. In severe damage cases, a specialty mitigation company may be required to tend to more complex mitigation requirements.
Mitigation costs can be a burden under your insurance policy. It’s crucial not to compromise on mitigation efforts because inadequate protection could result in mold, mildew, and additional structural damage that may not be covered by your insurance. We recommend reviewing your policy ahead of time to understand the required level of mitigation and ensure you’re prepared before a hurricane occurs. You can have a complimentary policy review by our legal team here!
According to your insurance policy, your insurance carrier expects you to take reasonable steps to protect your damaged property from further harm. In most cases, the costs of these actions can be reimbursed under your policy.
However, costly methods like shrink wrapping, which temporarily secures a tarp on your roof, may complicate cost recovery. During a hurricane, appropriate alternatives, supplies, and mitigation services could be scarce for a prolonged period. It’s crucial to communicate with your insurance carrier to avoid paying out of pocket for mitigation. During your preparation for the hurricane, we recommend having a list of mitigation companies that you can quickly deploy to your property to inspect following the storm
Failing to mitigate could reduce your final settlement or lead to a claim denial. Just as it’s essential to document your property before and immediately after a storm, documenting the mitigation process is equally vital.
Promptly mitigating further damages after a hurricane protects your property and can strengthen your insurance claim. Premier Claims is dedicated to guiding policyholders through every step of the recovery process.
Water damage is one of the most common and potentially devastating issues property owners face. Whether it’s due to a burst pipe, heavy rainfall, or a faulty appliance, water damage can wreak havoc on your property. Understanding your insurance coverage is crucial in such situations. We will delve into the intricate details of water damage coverage, so that you, as a policyholder can be better informed and prepared in the event of water damage.
Most standard property insurance policies cover sudden and accidental water damage. This includes situations like a burst pipe, a malfunctioning appliance, or a sudden leak in the roof. However, coverage might vary based on the specific cause, so it’s essential to understand the policy terms.
It’s important to note the standard insurance policy typically does not cover flood damage. For protection against floods, a separate flood insurance policy from the National Flood Insurance Program (NFIP) is necessary. Furthermore, if you live in a flood-prone area, investing in flood insurance is highly recommended.
Sewer backups can cause significant damage to your property. Some insurance policies offer coverage for sewer backups, but it’s often an optional add-on. Check your policy to see if this coverage is included or consider adding it for comprehensive protection.
Even if your policy covers water damage, there are often limitations to the coverage. These limitations may include caps on the total payout, restrictions on certain types of water damage, or higher deductibles for specific causes. It’s crucial to review your policy documents carefully to understand these limitations and assess if additional coverage or policy adjustments are necessary to align with your financial situation & strategy.
Regularly inspect and maintain your property, checking for signs of leaks, deteriorating pipes, or faulty appliances. Consequently, addressing issues promptly can prevent significant water damage.
Ensure your property has adequate drainage systems, including gutters, downspouts, and sump pumps. Therefore, proper drainage can redirect water away from your property, reducing the risk of water infiltration.
If you rent your property, educate tenants about the importance of reporting leaks promptly. Simultaneously, in your own residence, ensure family members are aware of water-saving practices and how to shut off the main water supply in emergencies.
Being well-informed about your water damage coverage is the first step in protecting your property and assets. Regular policy reviews, understanding coverage limitations, and investing in additional coverage where necessary can provide peace of mind. By taking preventive measures and staying informed, policyholders can minimize the risks associated with water damage and ensure a swift and effective response in case of emergencies. Remember, a well-informed individual can better protect their property. Stay informed, stay vigilant, and safeguard your property against the unexpected challenges of water damage.
Facing the aftermath of a storm can be a daunting experience. But when it comes to safeguarding your property and filing an insurance claim, it’s essential to have a clear plan of action. Below is a guide to assist you through the initial steps following a date of loss.
After ensuring your safety, the first step is to assess the storm damage to your property.
Begin by examining the exterior of your property for visible damage. Look for missing shingles or broken gutters. As well as obvious roof leaks or scattered roofing materials.
Even if it’s not the summer season, check your AC unit for damages. You wouldn’t want any surprises when it’s time to use it.
Be thorough in identifying all storm-related damages, including those caused by trees, neighbor’s trees, or missing fencing.
Inspect the inside of your property for signs of internal damage.
Keep an eye out for water leaks or puddles on walls and floors, especially on the ground floor.
Check windows for leaks and inspect your attic for any issues.
Capture clear photos to document all damage you see on your property in the aftermath of a storm.
From damaged roofs to broken AC units, photos play a significant role in your insurance claim.
Document any damage inside your home, ensuring clarity in the images.
Hold onto damaged items, as your insurance assessor may need to inspect them for your claim. Even if you can’t keep large items, like a waterlogged carpet or a broken TV, take photos and keep small samples if possible. A piece of your wet carpet can serve as evidence!
To prevent further damage to your property while waiting for repairs, we recommend covering visible holes or broken windows. You can do this by using tarps or canvases. Furthermore, ensure that you move valuable belongings and electronic equipment out of harm’s way.
Enlist the expertise of a public adjuster to ensure that all damage to your property is accounted for prior to filing a claim. Their in-depth knowledge, negotiation skills, and commitment to your best interests can significantly impact the outcome of your insurance claim. Ultimately providing you with the peace of mind you deserve after a date of loss occurs.
Navigating the aftermath of a storm and filing an insurance claim can be challenging, but with the right steps and the support of Premier Claims, you can restore your property with peace of mind. Remember, our dedicated team is here to assist you throughout the process.
