Does an “All-Risk” Policy Really Cover All Risks? Many , “Businesses and Homeowners” ,purchase some sort of insurance for their property. Coverages may include wind/hurricane, business and homeowner’s and flood. Typically, a homeowner will expect that a flood insurance policy provides coverage for a flood, a wind/hurricane policy provides coverage for a hurricane or other […]
Your insurance company may owe you thousands of dollars, and you might not know it. Some call diminished value the best-kept secret in the insurance industry. Local 10 has discovered many insurance companies claim diminished value does not exist in Florida, when the law is clear that it does. Diminished value is the reduction in […]
We are pleased to inform you that your background status is “E-Qip Favorable”. This means that you have satisfied the initial background investigation requirements and, as long as the other requirements are met, you are eligible for deployment in the event of a disaster declaration. We encourage you to check the website regularly, at least […]
An iPhone app game that focuses on denying claims to win “points” is reinforcing the negative stereotypes associated with those involved in the insurance adjustment process. Onyxx Design’s “Claim Denied!” app for iTunes puts anyone with an iPhone or other compatible gadget in the role of a young claim adjuster at a private health […]
In recent years, insurance carriers in Florida have added many exclusions to property insurance policies, with little oversight or public debate. These exclusions are drafted into policy leaving consumers with less coverage for the same (if not higher) premium. Because many policyholders rarely read every word of their large and complex policies, they may […]
Governor Elect Rick Scott Appears to Support Raising Insurance Rates and Easing Rules on Delayed or Denied Claims Insurance company executives were thrilled that Rick Scott won the Florida Governor’s office. I can appreciate that any politician may run on a platform that, upon further reflection, seems absurd or not what they meant. From my impression, […]
The cost of rebuilding homes in Florida dropped about 5 percent from 2009 to the first half of 2010, but you’d never know it from your property insurance bill. State law says premiums must be fair and reasonable, but it doesn’t require them to be adjusted when rebuilding costs decline. And regulators don’t control how […]
Inspections find Citizens policyholders owe $5 million more in premiums By Julie Patel December 9, 2010 10:25 AM Citizens Property Insurance plans to spend $41 million the next two years on home inspections aimed at revoking discounts policyholders should not be getting. The state-backed insurer projects the inspections are worth it because the “return […]
Have Questions! We Have Answers! At Smellsmoke Public Adjusters Inc, we are happy to assist you in any way possible. A few of the most Frequently Asked Questions include: Q – My roof is leaking should I report this to my insurance company? A – No, this is not a covered loss. The repairing of the […]
Does an “All-Risk” Policy Really Cover All Risks? Many , “Businesses and Homeowners” ,purchase some sort of insurance for their property. Coverages may include wind/hurricane, ...
Your insurance company may owe you thousands of dollars, and you might not know it. Some call diminished value the best-kept secret in the insurance ...
We are pleased to inform you that your background status is “E-Qip Favorable”. This means that you have satisfied the initial background investigation requirements and, ...
