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Many Florida homeowners are still dealing with the financial fallout from Hurricane Ian and Hurricane Milton. If your property suffered serious damage but your insurance company paid less than your deductible—or nowhere near what repairs actually cost—you’re not alone. The good news: you may still have options. One of the most effective is the appraisal…

Citizens Property Insurance Corporation has introduced a new endorsement called Alternative Dispute Resolution (ADR) of Administrative Hearings. While this may sound like a convenient option for resolving disputed insurance claims, it raises significant concerns for policyholders. Here’s why this “free” offer may come at a high cost. Is ADR Good for Policyholders or Good for…

Since I began my career in insurance adjusting in November 1999 with GAB Robins, a major national and international adjusting firm with over 300 offices, I’ve seen how insurance estimating software has evolved. As an independent adjuster, I conducted daily inspections and created damage estimates for numerous insurance companies partnered with GAB Robins to handle…

If your home has suffered damage from Hurricane Milton, you may face the challenge of an insurance company offering a low settlement on your property insurance claim. When this happens, it can feel overwhelming, but you have several options to resolve the dispute with your insurer: mediation, appraisal, or filing a lawsuit. Understanding which route…

John, a lifelong resident of Venice, Florida, currently resides in the family home where he and his wife raised their children. After Hurricane Ian struck, he promptly filed an insurance claim the very next day. However, the insurance company’s adjuster assessed the damage and offered a settlement amount that fell short of John’s $9,000 hurricane…

The duration of an insurance appraisal can vary widely depending on several factors, including the complexity of the claim, the nature of the damages, the cooperation of all parties involved, and the availability of appraisers. Here are some general guidelines on how long an insurance appraisal might take: Simple Claims: The appraisal process could be…

Insurance claim appraisal and real estate appraisal are two distinct processes that typically require different licenses. Here’s an overview of each: Insurance Claim Appraisal: When an insurance claim is filed due to property damage, an insurance appraiser assesses the value of the loss and determines the amount of compensation the policyholder should receive. This type…

Yes, you can hire an attorney while an insurance claim is under appraisal. The decision to hire an attorney during the appraisal process depends on your specific circumstances and the complexity of the claim. Here are some points to consider: Legal Guidance: An attorney can provide legal advice and guidance throughout the appraisal process. If…

Invoking the appraisal clause can potentially help maximize your insurance claim under certain circumstances. The appraisal provision is found in many insurance policies and provides a mechanism for resolving disputes over the value of damages or losses. Here’s how invoking the appraisal clause could benefit you: Impartial Evaluation: The appraisal process involves the selection of…

Invoking an appraisal clause can potentially maximize your insurance claim by providing a structured and impartial process for resolving disputes over the value of damages. The appraisal process is intended to provide a fair and objective assessment of the damages, which can lead to a more accurate and satisfactory claim settlement. Here’s how invoking the…