The One Yr Anniversary of Hurricane Ian—What Do Policyholders Now Face?  | Property Insurance coverage Protection Legislation Weblog

It has been one yr since Hurricane Ian. When you have not utterly resolved your declare, you might want to see a lawyer about your rights. Public adjusters and contractors engaged on Hurricane Ian claims ought to say the identical factor. One yr is simply too lengthy for a settlement to not have been made, and insurers have had sufficient time to work with non-legal professionals to get their jobs carried out proper.


I wrote a publish final January, Why Are Hurricane Ian Claims Changes So Unsuitable, Low, and Gradual?, the place I said:

The policyholder gave me permission to publish the estimate the place Slide Insurance coverage Firm estimated the primary roof injury to be simply above $1,100.

….Was the sector adjuster incompetent? Was the sector adjuster’s estimate secretly modified by desk adjusters who by no means visited the loss? 

The underside line is that this instance is certainly one of tens of 1000’s of poor, sluggish, and low Hurricane Ian property changes. Perhaps I solely see the issue instances. There positive appear to be extra downside changes than any storm I can keep in mind.

Perhaps the property claims managers will get the message and make adjustments. I really hope so. In any other case, there might be a substantial amount of explaining to do in courts and the courtroom of public opinion.

The media has known as out Florida’s political leaders for promoting out to the insurance coverage business and passing legal guidelines that encourage insurance coverage firms to additional delay and underpay claims funds, as famous in Media Calls Out Florida’s Politicians and DeSantis For Promoting Out To Insurers—The Maddening Actuality For Hurricane Idalia Victims:

The sweeping revisions makes it harder for householders to sue their property insurance coverage firms for appearing in ‘dangerous religion’ and removes the proper of householders to recuperate legal professional’s charges, even in lawsuits they in the end win. Moreover, the changes to Florida’s insurance coverage legal guidelines permit insurance coverage firms to create new insurance policies with obligatory binding arbitration agreements in alternate for a premium discount, which may even thwart many householders’ choice to take insurers to courtroom…Furthermore, the laws shortened the window wherein policyholders can file claims with their insurers, invested $1 billion of taxpayer funds right into a state-run reinsurance fund to assist insurance coverage firms mitigate their losses within the occasion of catastrophic occasions, and narrowed eligibility for Residents, Florida’s state-run nonprofit insurance coverage firm that gives insurance coverage to individuals who can not discover reasonably priced protection on the common market.

The underside line is that each policyholder with an open Hurricane Ian declare ought to seek the advice of a reliable legal professional. Particularly, policyholders ought to search attorneys who’ve been practising on this space of regulation lengthy earlier than Hurricane Ian struck to advise on their authorized rights and the administration of their claims.

Public adjusters and contractors whose shoppers have open Hurricane Ian claims must also suggest consulting an impartial legal professional. In the event that they advise in any other case or discourage you from in search of your individual authorized counsel, be cautious. It’s not solely suspicious but additionally unlawful for them to take action.

Thought For The Day 

A lawyer with a briefcase can steal greater than a thousand males with weapons.

—Mario Puzo, “The Godfather”

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