Don’t Underestimate the Storm: Why Your Property Needs a Damage Assessment

The “It Wasn’t That Bad” Trap

It’s a common reaction: “The storm wasn’t that bad; I don’t think I’ll have much damage.” Many property owners, after experiencing what seems like a minor storm, tend to dismiss the need for a damage assessment. However, this mindset can lead to more significant issues down the line. Ignoring potential damage can turn minor problems into costly repairs. Here’s why you should always consider a professional damage assessment, even if the storm didn’t seem severe.

The Hidden Dangers of “Minor” Storms

Not all storm damage is immediately visible. While your property might look unscathed, hidden damage can lurk beneath the surface. Small leaks can develop into significant water damage, minor cracks can expand, and what seems like a tiny dent can compromise the structural integrity of your roof.

Water Damage: The Silent Destroyer

Water damage is one of the most insidious issues that can stem from a storm. A tiny leak might not seem like a big deal, but over time, it can lead to mold growth, rot, and severe structural damage. According to the Insurance Information Institute, water damage claims are among the most common and costly types of property owner insurance claims.

Structural Compromise

Even a seemingly insignificant storm can weaken your property’s structural integrity. Minor damage to your roof, windows, or foundation can worsen over time, especially with repeated exposure to the elements. It’s essential to address these issues early to prevent more severe damage and higher repair costs.

The Importance of a Professional Damage Assessment

A professional public adjuster has the expertise to identify a multitude of types of damage, potentially even hidden damage. A public adjuster can obtain a comprehensive assessment of your property’s condition, thereby helping you file a more accurate and timely insurance claim. This proactive approach can save you time, money, and stress in the long run. To learn more about what happens during a damage assessment, watch our full video: What is a Damage Assessment?

Expertise and Experience: Why DIY Isn’t Enough

While it may be tempting to assess the damage yourself, even the most vigilant property owners can overlook critical issues. Public adjusters and professional inspectors bring years of experience to the table, spotting damage that may not be apparent to the untrained eye. They know what to look for, from the most minor signs of water intrusion to subtle structural shifts that could indicate a larger problem.

Move Forward with Confidence

Opting for a professional damage assessment after any storm, no matter how minor it seems, provides peace of mind. You’ll have a better understanding of your property’s condition, and if there is damage, you’ll be able to address it promptly before it escalates. This proactive step can also simplify the insurance claim process, helping to ensure that you receive the coverage you’re entitled to without any surprises down the line.

The Cost of Complacency

Skipping a damage assessment might save you time and money in the short term, but the long-term costs can be significant. By the time damage becomes apparent, repairs are likely to be much more expensive. Additionally, delayed claims can lead to disputes with your insurance carrier, potentially reducing the payout or extending the claims process.

Don’t Gamble with Your Property

In the aftermath of a storm, your property’s well-being isn’t something to gamble with. The risks of hidden damage far outweigh the perceived inconvenience or cost of a professional assessment. Protect your investment, and make sure that even the “minor” storms don’t lead to major headaches.

Schedule Your Damage Assessment Today

Don’t wait for the damage to become a significant problem— or for it to be too late. Whether it’s a minor storm or a major one, your property deserves the best care possible.

Schedule a professional damage assessment today!

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Unmasking the Insurance Industry’s Fear of Public Adjusters

Over the years, we’ve encountered countless insurance policies with clauses buried in the fine print—clauses that could make any property owner’s blood boil. Sneaking these in where policyholders are least likely to notice is one of the oldest tricks in the book. Take this example from a client’s policy, where a critical clause was tucked away on the very last page. It read:

No Public Adjuster:

It is understood and agreed that a condition of this policy is that the insured shall not hire, engage, retain, contract with, or otherwise utilize the services of a public adjuster, whether or not licensed in the state where the property is located or any other jurisdiction to inspect, evaluate, or adjust any loss covered by the policy.

Let’s break this down and ask the tough questions.

The Real Reason Behind the Clause

Think about it: If an insurance carrier does its job correctly and pays out fair and adequate settlements, why would they care if you hired a public adjuster?

The truth is, they know a public adjuster’s involvement can:

1. Expose Lowball Offers

One of the most critical roles a public adjuster plays is fighting for your carrier’s offer to reflect the actual value of the damage to your property. Public adjusters have the training and experience to spot when a settlement offer may be too low or doesn’t fully account for the extent of the damage. They often uncover discrepancies between what the policy actually covers and what the insurer is willing to pay out. Without a public adjuster, you may never realize the insurance carrier is trying to undercut your claim’s true value, potentially leaving you with a settlement that’s less than what you deserve.

2. Increase Payouts

Numerous studies have demonstrated claims handled by public adjusters result in significantly higher settlements for policyholders. Public adjusters have the ability to more accurately assess the damage, gather the right documentation, and negotiate with the insurance carrier to better secure a fair settlement.

3. Hold Insurance Carriers Accountable

The purpose of getting a public adjuster involved with a claim is to hold the insurance carrier accountable at every step of the process. This means closely monitoring how the claim is being handled, knowing and preparing for requisite claim deadlines, and fighting for the insurer to fulfill its obligations. It is our belief that with someone dedicated to protecting your interests, insurance carriers are much less likely to cut corners or try to settle for less than what you’re owed. Public adjusters are trained to spot discrepancies in value and coverage and will challenge insurance carriers if they attempt to underpay or delay your claim.

By inserting this clause, the insurance carrier eliminates a critical safeguard for policyholders. They’re essentially saying, “Trust us, we’ll be fair—but don’t involve anyone who might question our fairness.”

Why Is This Problematic?

1. Restricts Your Rights

Insurance is a contract, and you’re paying for coverage. Prohibiting you from hiring an advocate is a blatant overreach of authority.

2. Lacks Transparency

Burying this clause in the fine print suggests they don’t want you to notice it.

3. Create Power Imbalance

Without a public adjuster, most policyholders are left at the mercy of insurance carriers and their adjusters.

Most people never even receive a full copy of their insurance policy to know this clause exists in the first place. Carriers often withhold the fine print or include it in a way that’s hard to access or understand.

What Can You Do?

If you find this clause in your policy, don’t panic—but don’t ignore it either. Here’s what you can do:

1. Consult a Public Adjuster

Even if your policy includes this clause, consult a professional to understand your options. Some states may prohibit enforcing such clauses.

2. Read Your Policy Carefully

Always review the fine print before signing any insurance agreement.

Don’t have your full insurance policy? Our team is here to help. At Premier Claims, we offer a free policy review to help uncover these hidden clauses. Submit your insurance policy for review here.

3. Know Your State’s Laws

Insurance regulations vary by state, and some states may have protections against clauses like these. Utilize resources like the Insurance Information Institute to learn more about your state’s insurance regulations. You may also look at your state’s Department of Insurance website for specific laws.

Don’t Let the Fine Print Define Your Outcome

When an insurance carrier goes out of its way to restrict your ability to hire a professional advocate, it speaks volumes about their priorities. They’re not just selling you a policy—they’re selling you trust. But when trust comes with strings attached, it’s time to weigh your options.

At Premier Claims, we’re here to advocate for policyholders, whether the insurance carriers like it or not. If you’re unsure what’s hiding in your policy, take advantage of our free policy review service. If you’ve experienced damage and don’t want to go it alone, we’re here to help.

Position Letters 101: Your Secret Weapon in Insurance Claims

If you’ve ever filed an insurance claim, you know the process can feel like running an obstacle course—except the obstacles are confusing terminology and red tape. One term that might make you pause is “position letter.” Don’t worry; it’s simpler than it sounds. Let’s break it down.

What Exactly is a Position Letter?

A position letter is your chance to clearly state your argument when there’s a dispute about an insurance claim. Think of it as the “closing argument” in the courtroom of claims. It’s a formal document explaining what happened, why your claim deserves to be paid, and the evidence to back up the claim.

But it’s not just about telling your side of the story; it’s about doing it in a way that makes the insurance carrier take you seriously. A good position letter doesn’t just say, “Pay me.” It says, “Here’s why you need to pay me, and here’s the proof to back it up.”

Why Are Position Letters Important?

Insurance carriers are bombarded with claims, and if you don’t stand out, it might get shuffled to the bottom of the pile—or worse, denied outright. A position letter can:

Clarify Discrepancies

If the insurance carrier has made an initial determination that the policyholder disagrees with, the position letter provides the policyholder an opportunity to clarify their side.

Strengthen the Claim

A position letter allows the policyholder to present supporting evidence in an organized manner to help support their claim.

Set the Stage for Negotiation

If the claim is disputed or underpaid, the position letter can act as the opening salvo in a negotiation process.

Establish Documentation

A well-documented position letter can also serve as a record that may be referenced later in the process or court, should things escalate.

When Should You Send A Position Letter to Your Carrier?

Typically, position letters are sent after an insurance carrier denies a claim or offers an insultingly low amount. They’re often a prelude to more formal action, like hiring a public adjuster or filing a lawsuit.

If you’re feeling overwhelmed, don’t panic. There’s plenty of help available!

Contact Premier Claims today!

Recovering from the devastation of storm damage is a complex process, and having a reliable public adjuster by your side can make all the difference. The aftermath of a natural disaster is overwhelming, especially when it comes to dealing with insurance claims. Partnering with a public adjuster who understands the challenges you face and tailors them to you and your property’s needs helps streamline the claims process. Moreover, a public adjuster is your advocate, equipped with the expertise and knowledge to navigate the intricate landscape of insurance policies. Their partnership allows you to better equip yourself to fight for a fair settlement, enabling you to rebuild and restore your life. Now, you may be asking, how do I find a public adjuster near me?

Top 5 Things to Look For in a Public Adjuster

1. Verify Licensing & Accreditation

Ensure the public adjuster you consider is licensed and accredited by the relevant regulatory bodies. This accreditation validates their expertise and adherence to industry standards, providing you with confidence in their professionalism.

2. Evaluate Experience & Specialization

Look for an adjuster with a proven track record in handling various types of damages, such as water damage, hail damage, fire damage, and hurricane damage. Specialization in specific areas ensures they possess the expertise needed to handle your unique situation effectively.

3. Transparency & Trustworthiness

Transparent communication about fees, the claims process, and the expected timeline are essential. Furthermore, a trustworthy public adjuster maintains open and honest communication, ensuring you are well informed at every step.

4. Check Client Testimonials and Reviews

Reading testimonials and reviews from previous clients provides valuable insights into the adjuster’s reputation and the satisfaction of their clients. Premier Claims takes pride in its positive client feedback, reflecting our commitment to excellent service and successful outcomes.

5. Investigate Communication & Availability

Effective communication is key to a successful partnership. Evaluate the adjuster’s responsiveness and availability. Premier Claims ensures that our team is readily available to address your concerns and provide updates, offering you peace of mind during the claims process.

Why Choose Premier Claims?

At Premier Claims, our expertise goes beyond mere professional qualifications. Our team, consisting of industry veterans with advanced certifications and ongoing education, ensures we stay ahead of industry trends and policy changes. A public adjuster with a fully equipped team of professionals can significantly impact the outcome of your claim for the better. Premier Claims is dedicated to surpassing industry standards by incorporating innovation, technology, and a meticulous claim management process. Our six-step process is committed to delivering unparalleled results and safeguarding your interests at every stage. Certain states may have regulations that determine the services a public adjuster may provide. Our process and services we are able to provide will be based on the state regulations. To learn more, visit our Public Adjuster Legal Disclaimer. When you choose Premier Claims, you benefit from:

Expert Knowledge & Continuous Education

Our professionals hold advanced degrees and certifications, constantly updating their skills to navigate the ever-evolving insurance landscape effectively.

Tailored Strategies for Maximum Results

We understand the uniqueness of each case. Consequently, our team creates customized strategies, attempting to maximize your settlement based on the intricacies of your specific situation.

Supporting You Beyond the Claim

Our team actively offers personalized policy guidance, addresses industry inquiries, and commits to providing you with tailored support. We’re here to ensure your peace of mind extends beyond the claims process, offering expertise and assistance whenever you need it.

Your journey to reclaiming your life after storm damage begins with choosing the right public adjuster. Moreover, Premier Claims combines expertise, integrity, and a genuine commitment to your well-being. Contact Premier Claims today to discover how we can help you and your property!

Mold Mayhem

Mold— it’s like that uninvited guest who shows up at your party, eats all the snacks, and leaves you with a mess to clean up. Unlike a party crasher, mold can cause serious damage to your property and health. The real kicker? Your insurance policy may not cover the damage. Surprised? You’re not alone. As storm damage and water woes hit record levels, mold exclusions in insurance policies are catching property owners off guard. Let’s dive into the murky world of mold exclusions and see how to avoid getting stuck with the cleanup bill.

Mold Exclusions: The Fine Print You Can’t Afford to Ignore

In the grand game of “What Does My Insurance Actually Cover?” Mold exclusions are like the joker card—unexpected and not very funny. These sneaky clauses wormed their way into property owners’ policies after some high-profile lawsuits in the early 2000s. Remember the Ballard v. Farmers Insurance Group case? Neither did we—until it led to a $32 million lawsuit that made insurance carriers nationwide sweat bullets. The insurance industry responded with a collective “Nope!” by slapping mold exclusions on policies and placing caps on the amount of coverage available for mold damage.

Why Mold and Insurance Don’t Mix

Insurance carriers are the friends who refuse to eat at certain restaurants because of a bad experience years ago. Mold is their bad experience. The problem? Mold is expensive to fix, and health issues linked to mold exposure can linger like a bad odor (pun intended). To avoid footing the bill for moldy messes, insurers decided to cut their losses— literally— by excluding or limiting mold coverage. They figured it’s better to lose a few customers than face another multi-million dollar lawsuit.

The Creeping Threat: Why Molid Is More of a Problem Than Ever

Mother nature has been throwing a lot at us lately— floods, hurricanes, and windstorms that have turned buildings into waterlogged, mold-friendly environments. While mold might start as a small patch, it can spread faster than gossip at a neighborhood BBQ. The bad news? As severe weather events become more common, the risk of mold damage increases. It gets worse— your insurance policy might not have your back when you need it most.

How to Protect Your Property

1. Read the Small Print (Yes, All of It)

Read your insurance policy like a thriller novel—every word matters. Look out for red-flag phrases within your policy exclusions like fungus, rot, and moisture damage.

2. Mold Insurance: Not Just for the Paranoid

You wouldn’t buy a house without a roof, so why settle for insurance that doesn’t cover all your potential risks? Some insurance carriers offer separate coverage or endorsements that cover mold damage more comprehensively.

3. Maintenance is Your Best Defense

The best offense is a good defense, and that’s true for mold, too. Regular property maintenance is like taking your vitamins— boring but essential. Fix leaks, keep your gutters clean, and don’t ignore that weird, musty smell coming from the basement. The quicker you act, the less chance mold has to settle in and make itself at home.

4. Insurance Policies are Confusing— Ask a Professional

Don’t worry about having to review insurance policy alone; our team at Premier Claims is here to help. If you’re scratching your head over what’s covered and what’s not, consult with one of our professionals. They can help decode your policy and suggest coverage options to protect your property adequately.

Submit your insurance policy for review today!

Mold might be one of life’s little unpleasantries, but discovering your insurance doesn’t cover it? That’s a nightmare. By staying informed, reviewing your policy, and taking preventative steps, you can avoid the mold trap altogether. After all, the only thing worse than mold is mold and a denial letter from your insurance carrier.

Start Your Hurricane Recovery Process on the Right Foot After Helene and Milton

Hurricane Helene and Hurricane Milton have left many property owners facing the daunting task of assessing and recovering from damage. As you begin to navigate the recovery process, it’s crucial to choose the right contractor to ensure your property is restored to its former condition. In this blog, we’ll guide you through what to look for when selecting a contractor, what to expect in terms of recovery timelines, and the vital role of prompt property inspections.

Why Inspections Matter Post Hurricanes Helene and Milton

After Hurricanes Helene and Milton, the first step towards recovery is to have your property inspected as soon as it’s safe. A thorough inspection not only identifies the extent of damage but also helps prevent further issues, such as mold growth or structural instability. This is where Premier Claims comes in. Our team can provide a comprehensive inspection, working directly with your insurance carrier. We aim for all damages to be accounted for, helping you avoid the common pitfalls of underpaid or denied claims.

Premier Claims offers more than just inspections—we take the burden of dealing with the insurance claims process off your shoulders. We are here to guide you through every step of the recovery process. For help with your Hurricane Helene or Hurricane Milton claim, contact our team today! Here are a few reasons why acting quickly is essential:

Prevent Further Damage: The longer you wait to address damages, the more likely they are to get worse. Water intrusion, for instance, can lead to significant structural issues if not dealt with immediately.
Expedited Claims Process: Insurance carriers often prioritize claims based on the timing of inspections. Getting your property assessed quickly can help ensure your claim is addressed promptly, leading to faster recovery.
Mitigation of Risks: Securing your property against additional damage—such as using tarps for roofs or boarding up windows—can help mitigate risks and protect your property until repairs can begin.

What to Look for in a Contractor Post-Hurricane

Choosing the right contractor can significantly impact your recovery experience. Here are key factors to consider:

Licensing and Insurance: Ensure the contractor you choose is properly licensed and insured. This protects you from liability in case of accidents on your property and provides you with a contractor who is qualified to handle repairs of your specific damage type.
Experience with Hurricane Damage: Look for contractors who have experience dealing specifically with hurricane-related damages. They will be more familiar with the common issues arising from such events and how to address them effectively.
Positive Reviews and References: Check online reviews and ask for references from previous clients. A contractor with a proven track record of satisfactory work will provide peace of mind as you move forward with recovery.
Clear Communication: Your contractor should be open and communicative, ensuring you understand the scope of work, timelines, and costs involved. Look for someone who is willing to answer your questions and address your concerns.
Detailed Estimates: Request detailed written estimates from potential contractors. This should include a breakdown of costs, materials to be used, and a timeline for the project. A reputable contractor will be transparent about what you can expect.

What to Expect During the Recovery Timeline

Once you’ve selected a contractor, understanding the recovery timeline is vital for managing your expectations. The recovery process can look different for everyone, depending on the severity of your property damage, your insurance carrier, and the availability of the materials required to repair your property. It’s important to have open communication with your contractor to understand the scope of work at hand fully. Keep an open mind and know your property will be restored to its former glory.

Recovering from Hurricane Helene and Hurricane Milton is undoubtedly challenging, but choosing the right contractor can ease the process significantly. By acting quickly to have your property inspected and following the tips outlined above, you can make informed decisions that will lead to a smoother recovery. At Premier Claims, we understand the emotional and physical toll hurricanes can take on property owners, and we are here to support you through the claims process and recovery journey. Remember, you don’t have to go through this alone—contact our team today!

When Wind Exclusions Leave Hurricane Victims Vulnerable—Stark Reality

The aftermath of Hurricane Helene has left many property owners picking up the pieces—literally and figuratively. While most policyholders assume their insurance will come through in times of crisis, many are blindsided by one significant policy clause—the wind exclusion. This clause often leaves hurricane-affected property owners unprotected, even when wind damage is the primary cause of destruction during storms like Hurricane Helene and the impending Hurricane Milton.

A wind exclusion in a property owner’s insurance policy means that damage caused by windstorms, which often accompany hurricanes, is not covered. Shockingly, many property owners in hurricane-prone regions only learn about this exclusion after disaster strikes. Insurance carriers stopped covering floods when they realized it was hurting their profitability, and now, with the rise of wind exclusions, we may be seeing a similar trend. As insurers continue to minimize their financial risk, property owners are left with greater exposure.

Trusting Your Carrier

For many property owners, their insurance policy is a lifeline. A promise that when disaster strikes, they’ll have the financial backing needed to make any repairs. Year after year, policyholders dutifully pay their monthly premiums, believing they secure a safety net against unforeseen circumstances. However, the stark reality is many insurance carriers continue to allow these faithful customers to pay for coverage they know may not protect them when they need it most. In recent years, insurance carriers have started adding wind damage exclusions to their policies—most policyholders aren’t catching this added language. Leading policyholders to believe they are safeguarded against the very risks that could devastate their lives. This betrayal of trust raises critical questions about the ethics of the insurance industry and emphasizes the urgent need for transparency in policy agreements.

Having an insurance policy creates a false sense of security, when in reality they include exclusions, ie wind damage, that eliminate the safety features of your policy. Insurance policies create a false sense of security by including exclusions such as wind damage.

Hurricane Categories

Hurricane Helene, which impacted 6 states, was classified as a Category 3 Hurricane when it reached land. It had sustained winds ranging from 111 to 129 mph, capable of causing extensive damage. Homes were destroyed, trees were uprooted, leading to power outages and hazardous conditions many didn’t see coming.

Days later, Hurricane Milton is making its way to Florida as a Category 5 Hurricane. Experts are predicting Milton will subside to a Category 3 by the time it reaches land, potentially doubling in size. Even so, the hurricane is expected to have sustained winds that exceed speeds of 150 mph. Such strong winds can result in catastrophic damage, including roof loss, structural failures, and significant flooding from storm surges, making preparedness essential for residents in affected areas.

The status of Hurricane Milton and its impact continues to change, so it’s important to focus on how the storm may impact you. For key tips to keep yourself safe, read our blog: Hurricane Milton Hits Category 5 Status: Prepare Yourself.

To make matters worse—many policyholders don’t have the coverage they need to protect their property against storms of this magnitude.

Exclusions in High-Risk Areas: A Question of Fairness?

In regions prone to hurricanes, one would expect insurance policies to be tailored to the risks property owners face. Yet, many insurance carriers include these wind exclusions precisely because of the high likelihood of such damage. While carriers may argue this helps keep premiums lower, it exposes policyholders to the very events they need protection from the most.

According to industry statistics, approximately 40% of property owners in hurricane-prone areas have policies with wind exclusions. This staggering statistic reveals the precarious position far too many are put in. It’s particularly disheartening to see that in areas where windstorms are an inevitable risk, many insurance carriers push for exclusions knowing policyholders will be left vulnerable.

Why Policyholders Are Often Unaware of Wind Exclusions

One of the biggest frustrations we face as public adjusters is encountering property owners that are unaware their policies exclude wind damage. Policyholders often assume their primary policy will cover all hurricane-related damage. After all, hurricanes are classified as “windstorms,” right?

Unfortunately, this assumption is costly. Many property owners only discover the fine print when it’s too late—when the roof has blown off, windows have shattered, and their insurer denies the claim due to the wind exclusion. “A wind exclusion can significantly undermine any potential claims under the primary policy. At Premier Claims, we are committed to supporting our policyholders and aim to help them fully understand the implications of their coverage. A wind exclusion in a hurricane claim makes it nearly impossible to do more,” Wesley Levison, Licensed Public Adjuster.

Flood Damage—The Other Silent Threat

While wind exclusions are a major issue, most policies also exclude flood damage. As a result, policyholders without separate flood insurance are left with very few options after a hurricane. Given that flood insurance is often costly and complicated to obtain, this omission only compounds the problem. Without wind or flood coverage, policyholders are left to fend for themselves entirely without any meaningful protection against hurricane damage.

According to the National Flood Insurance Program (NFIP), only 15% of Americans have flood insurance. Combine this with wind exclusions, and the likelihood of having a successful claim after a hurricane plummets.

Insurance Carriers Need to Do Better

It’s difficult not to feel a sense of frustration at the way insurance carriers are taking advantage of people who have loyally stood by their side. Yes, business is business, and risk is part of the game. However, excluding the two most likely causes of damage—wind and flood—from policies in hurricane-prone areas is nothing short of leaving policyholders out in the storm. In the coming years, we could see even further restrictions on wind coverage, leaving property owners increasingly vulnerable to the devastating impact of storms.

People deserve transparency, and the fine print shouldn’t be a nasty surprise waiting for them when they need coverage the most. We urge all policyholders to review their policies and understand their exclusions. Our team of legal professionals can take a deeper look at your policy and identify what coverage you have exactly. If we find gaps in your policy, we’ll help you pinpoint areas you could consider adding coverage to prepare for future storms. To have your insurance policy reviewed by our team, fill out the following form: General Policy Review.

60 Minutes:
Key Takeaways from “After the Hurricane” report

The Devastation of Hurricane Helene & Milton: Lessons from the Past

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.

What Happened After Hurricane Ian?

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.”

The Harsh Reality of Insurance Payouts Post-Hurricane

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.

How You Can Protect Yourself

Given the current landscape, there are several things policyholders should keep in mind when navigating the claims process after a Hurricane:

Document Everything: Take extensive photos and videos of all damage before making any repairs. Your documentation will serve as evidence if your claim is disputed or reduced.
Get an Independent Assessment: Hiring a public adjuster to assess the damage and provide an objective estimate may be worthwhile. This can safeguard you against any lowball offers or claims modifications. Contact our experienced team today to have your property inspected.
Don’t Settle Too Soon: As we reflect on our experience with policyholders during Hurricane Ian, it’s important for policyholders to feel empowered to review every offer they receive from their carrier. Levi Warren, our Adjusting Manager, advises, “The most common mistake I see is accepting a final award too quickly. With all the emotions involved in your claim, it’s easy to want to rush through the claim process to make yourself whole again. Be sure to take your time and review the estimate you receive from your carrier to make sure nothing is missing.”
Seek Professional Help: Public adjusters, like those at Premier Claims, can fight on your behalf to negotiate with your carrier. They understand the tactics insurers use to minimize payouts and can help hold them accountable, aiming to take the stress off your plate.

Hurricane Helene and Milton: Prepare for a Fight

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.

Premier Claims is Here to Help

At Premier Claims, we advocate for policyholders like you to receive fair compensation from their carriers—making the restoration process as smooth as possible. Our experienced team manages every aspect of your insurance claim, from damage assessment to negotiating with insurers, so you can focus on recovery.

If you’ve been impacted by Hurricane Helene or Milton, contact Premier Claims today. You don’t have to go through this alone.

Post Hurricane Helene Responsibilities as a Policyholder

As you brace yourself for the impending hurricane, it’s perfectly normal to feel a mix of anxiety and anticipation. While we can’t control Mother Nature (trust me, we’ve tried), we can control how we respond when the storm clouds roll in. Knowing your responsibilities as a policyholder can protect your property and make the recovery process much smoother.

1. Act Quickly to Mitigate Damage

Once the winds start howling, your first job is to mitigate further damage—a fancy way of saying, “Stop the damage from getting worse!” Here’s how to do that without losing your cool:

Secure the Area: If it’s safe, cover broken windows and doors with plywood or tarps to protect any entrance to your property. If you can, use sandbags to block floodwaters! Anything you can do to prevent further damage from occurring may help your claim.
Turn Off Utilities: Consider putting your property on “Do Not Disturb” mode. If you suspect flooding, shut off the electricity, gas, and water. Nobody wants a surprise electrical fire or a gas leak to add to the drama.
Document Everything: Channel your inner photographer! Snap photos or record videos of the damage as soon as you can after a hurricane. This evidence will be your best ally when filing an insurance claim.

2. Notify Your Insurance Carrier Immediately

Once you’ve taken steps to secure your property, it’s time to let your insurance carrier in on the action. Here’s how to make the call count:

Gather Your Information: Before dialing, grab your policy number, damage details, and any documentation you’ve collected. You want to be the most organized policyholder they’ve ever spoken to!
File a Claim Promptly: Depending on your insurance carrier and the state you live in, you’ll have a set deadline to follow to file a claim. It’s important to ensure you follow said deadlines to ensure you set your claim up for success.
Keep a Record of Communication: Document every interaction with your insurance carrier. Dates, times, names—be the Sherlock Holmes of your claims process!

3. Take Charge of the Recovery Process with Premier Claims

After notifying your insurance carrier, it’s time to take charge of the recovery process—and you don’t have to do it alone! Here’s how Premier Claims can step in and assist you:

Get Experienced Guidance: Our team is ready to help you understand your policy, advocate for coverage, and guide you through the entire claims process. Think of us as your personal insurance sidekick, keeping you from being left in the dark.
Work with Professionals: If damage has occurred, we can connect you with licensed professionals who can assess the situation and provide repair estimates. We’re all about assembling your superhero team for recovery so you can focus on what matters most—keeping your family safe.
Stay Informed and Empowered: We’ll keep you updated throughout the claims process and offer tips on how to communicate effectively with your insurance carrier. Our mission is to make sure you feel empowered and informed every step of the way.

4. Lean on Your Community for Support

Finally, don’t forget about the power of community. After the hurricane is the perfect time to channel your inner neighborly spirit.

Reach Out for Help: Whether it’s a quick chat with a neighbor or joining local support groups, leaning on each other can lighten the load. You might even discover your neighbors have hidden talents, like providing homemade cookies or offering a helping hand!
Share Resources: Knowledge is power! Share tips and resources about recovery, insurance claims, and local services. You’re all in this together, after all.

Weathering the Storm Together

Facing the aftermath of a hurricane can feel daunting, but understanding your responsibilities as a policyholder can empower you during this challenging time. Taking proactive steps to mitigate damage, notifying your insurance carrier promptly, and leaning on your community for support can turn a stressful situation into a more manageable one.

If you need help navigating the claims process, remember Premier Claims is here to guide you every step of the way. Connect with our team today, and together, we’ll turn this stormy season into a story of resilience and recovery.

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