Florida Weather Damage. Are losses covered by insurance?
Brown O'Haver
by David E. Young
1y ago
The photos and videos we are seeing in Florida as a result of Hurricane Ike, are disheartening.  I watched Greg Kelly the other night bring a guest on his show who was a congressman representing the Fort Myers area.  He said that, as a result of previous hurricanes, the State of Florida had improved and strengthened its building codes but no building codes ever anticipated the devastation caused by flooding.  Are such losses covered by insurance?  I have adjusted commercial claims that include amounts available for flooding.  As an example, I adjusted a claim with a seven million dollar p ..read more
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When Should I Hire A Public Adjuster?
Brown O'Haver
by David E. Young
1y ago
Living through an insurance claim can be challenging and difficult to navigate. As public adjusters, we can assist with your first-party insurance claim at any point during the claims process. Hiring a public adjuster is beneficial for many reasons. It is comforting to know that someone is on your side and is looking out for your best interest, and will work to get you paid properly for your damages. We have experience assisting claims from the beginning of the claims process, including filing the claim, to a year or more after the claim has been filed. Maybe policies have a provision for reco ..read more
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Dangers of Smoke, Soot, and Heat
Brown O'Haver
by Alice Young
2y ago
Most times, when people think of house fires, they probably imagine an entire house engulfed in flames or a pile of rubble where a home use to be. These types of fires are typically called large loss insurance claims or total losses. Not every house fire results in a total loss, though. Most house fires are smaller and usually contained in one area of the home. That part of the home can have extensive damage, whereas the other side of the home may appear to be undisturbed to the untrained eye. Some might believe only the damaged rooms should be repaired, while others may believe the entire hom ..read more
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How does the Russian/Ukraine Battle Impact the Insurance Industry?
Brown O'Haver
by David E. Young
2y ago
Perhaps because I have been around so long, I am privy to information that is shared behind the scenes with “high net worth” insurance company executives. It has been interesting watching what they anticipate will impact the insurance industry. For two years, the concern was whether or not those with a particular endorsement in their policies would be able to collect on Contingent Business Interruption Claims caused by “Acts of Governmental Authorities” in shutting down service businesses due to the pandemic. More recently, however, information sharing and concerns have been revolving around t ..read more
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Untold Stories of a PA: Non-salvage vs Repair
Brown O'Haver
by David E. Young
2y ago
Depending on the type of insurance claim you have you may not have any personal property that was affected by the loss. Fire and water claims are losses that typically have damaged personal property. The extent of the damages determines if items can be cleaned/repaired or non-salvaged, meaning you are paid to replace that item. For example, a fire occurs in the kitchen and is contained in that room, but smoke traveled throughout the home. Usually, items in the kitchen would be considered non-salvage. Items in bedrooms would be considered cleanable, except for consumable items such as hygiene ..read more
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What is an independent adjuster?
Brown O'Haver
by David E. Young
2y ago
Did you know there are three types of adjusters?  Company Adjuster Independent Adjuster Public Adjuster A company adjuster works directly for the insurance company, is paid by the insurance company, and represents their interest. An independent adjuster is hired by the insurance company, is paid by them, and represents their interest. A public adjuster is hired by the homeowner, represents homeowners’ interest, and is paid by the homeowner. Independent adjusters do not work for anyone insurance company, instead, they are contracted by an insurance carrier to handle claims for a specific ..read more
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What a Public Adjuster is Not
Brown O'Haver
by David E. Young
2y ago
A public adjuster is not an independent adjuster, a private adjuster, a contractor, or a restoration company. There are many tasks a public adjuster can do and there are many tasks they cannot do. A public adjuster is an insurance adjuster who does not work for any insurance company. They work for the insured, the homeowner, to assist in the preparation, presentation, and settlement of the claim. The insured hires them by signing a contract agreeing to pay them a fee or commission based on a percentage of the settlement, or other methods of compensation. Public adjusters are sometimes mistaken ..read more
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Additional, Additional, Additional
Brown O'Haver
by David E. Young
2y ago
Have you ever felt overwhelmed and thought, “How am I going to pay for all of this?” If you have an open homeowner’s insurance claim you could actually get money back on certain expenses. These expenses are called Additional Living Expenses. Additional Living Expenses are the increased living expenses incurred by you and your family to maintain your normal standard of living while your home is not livable. These expenses can include rood, rent, mileage, storage, and pet care to name a few. FOOD If you and your family are displaced from your home and staying in a hotel that does not have a full ..read more
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Unauthorized Practice of Public Adjusting Verdict Upheld
Brown O'Haver
by Alice Young
2y ago
This month a Texas Court of Appeals upheld an important ruling against a contractor who was involved in the Unauthorized Practice of Public Adjusting (UPPA). Lon Smith Roofing & Construction entered in to a contract with Gerald and Beatriz Reyelts. In their  contract the roofer asserted that Lon Smith was being retained “to pursue homeowners’” best interest for all repairs, at a price agreeable to the insurance company” and to work out “the final price agreed between the insurance company” and Lon Smith. And that “the homeowner is responsible for paying the deductible and for any upg ..read more
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How to File a Complaint with the Oklahoma Insurance Department
Brown O'Haver
by Jeffrey Whitson
2y ago
One of the most unpleasant things to do is file a complaint on anybody. For some of us, the transgression must be pretty severe to follow through with filing a complaint. Unfortunately, some may have to be filed to get the service you require and deserve. This is especially true when it comes to homeowners’ insurance. Having a quality experience during your insurance claim is vital. Reasons for Filing a Complaint Accuracy and speed are the two most important components in getting your life back in order after an insurance claim. If these two aspects are failing, there can be legitimate grounds ..read more
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