9 10, 2018

Hurricane Michael Preparedness

By |2018-10-09T14:27:43-04:00October 9th, 2018|Categories: Hurricane Damage Law, Insurance Claims, Tree Damage Law|Tags: , , , |

As Tropical Storm Michael formed into a Category 1 hurricane on October 8, 2018, I couldn’t help but recall the weeks-long drama leading up to the landfall of Hurricane Irma in September of 2017. Unlike Irma, which developed off the coast of Africa, Hurricane Michael developed from a low-pressure system off the Yucatan Peninsula in Mexico. While Floridians will not have nearly the amount of time to prepare as they did for Irma’s landfall, there is still plenty of time to take necessary precautions to protect your property and safety. The forecast has Hurricane Michael making landfall Wednesday, October 10th, along the Panhandle/Big Bend area of Florida. According to recent news reports, Hurricane Michael is forecast to strengthen to a Category 3 prior to making landfall. Hurricanes with a rating of Category 3 or higher are considered to be “major” hurricanes. The sustained winds in a Category 3 storm are between 111-129 mph. According to the National Hurricane Center, the type of damage resulting from a Category 3 storm is considered “devastating”. The National Hurricane Center defines devastating damage as “well-built framed homes may incur major damage or removal of roof decking and gable ends. Many trees will be snapped or uprooted, blocking numerous roads. Water and electricity will be unavailable for several days to weeks after the storm passes.”

Considering the nature of this rapidly strengthening hurricane, Governor Rick Scott extended a State of Emergency for the Tampa Bay area as well as areas along the Panhandle and Big Bend. Governor Scott was quoted as saying “This storm will be life-threatening and extremely dangerous”. The life-threatening nature of hurricanes often times occur after the hurricane has already passed but the damage has prevented people from receiving emergency medical treatment based upon road closures, power outages, and supply chain interruptions. Accordingly, to avoid these life-threatening type of scenarios and to heed Governor Scott’s warning, please follow of all evacuation recommendations made by authorities. If you are in an evacuation zone, do not take this recommendation lightly. Only take what you really need with you like your cell phone, medicines, identification, and cash. Be sure you have an emergency kit for your vehicle and ample fuel in your vehicle to avoid the path of the hurricane and seek a safe evacuation location. Finally, be sure to follow the roads which emergency workers recommend, even if there is traffic. Other roads may be blocked and while services such as Waze or Google Maps may show open roads, these roads can quickly become overrun or blocked by debris.

It is important to give consideration to developing an evacuation plan which you share with friends and family members outside of the evacuation area. This will allow them to know where you should be at important time intervals, even in the absence of cell phone service. Developing a written evacuation plan does wonders in reducing the already astronomically high levels of stress that evacuees are going through as well as reducing the stress of their loved ones not impacted by the evacuation orders.

While Michael is developing into a major hurricane, please be sure to stay up to date on the latest news developments. If you are able, try to take photographs of your home/business as well as personal belongings within each so as to document any and all before and after evidence which will be valuable in your hurricane property damage claim which will follow Hurricane Michael. Hurricane Michael will be causing significant damage to homes and businesses throughout the Panhandle area of Florida. It is important to immediately report your insurance claim when the infrastructure and reporting avenues are renewed. Even though an insurance policyholder may have coverage for hurricane loss, this does not mean that the insurance company will properly or fairly adjust your Hurricane Michael claim. Please remember that it is very important to receive a second opinion with regard to your hurricane damage insurance claim. As oftentimes is the case, insurance companies hire outside adjusting firms who may not have the knowledge or experience to fully and fairly adjust your hurricane loss. Accordingly, don’t delay in contacting St. Petersburg Property Damage Attorney Jonathon W. Douglas for a free consultation regarding your Hurricane Michael insurance claim.

2 10, 2018

Will President Trump’s Tariffs Impact Insurance Claims?

By |2018-10-02T16:22:04-04:00October 2nd, 2018|Categories: Fire Damage Law, Hurricane Damage Law, Insurance Claims, Tree Damage Law|Tags: , |

The news outlets have been covering the various different sectors which President Trump’s recent tariffs on steel and aluminum have impacted. Everything from auto manufacturing, small business manufacturing, and even the military. But will President Trump’s tariffs impact the property insurance industry? The most direct way the tariffs will impact the property insurance industry will be the delay in applicable pricing standards to be applied to property insurance claims.

Imagine you file a claim for roof damage as a result of a hurricane or a wind event. Now your insurance company will assign a field adjustor who will come out to your property and evaluate the damages. Assuming they determine it is a covered loss, they will then determine how much it will cost to replace the damaged portions of your roof or whether total replacement is necessary. In either event, the adjustor will be using certain predetermined pricing guidelines found in estimating software such as Xactimate to determine the cost the insurance company will offer to pay you for your covered loss. Unfortunately, these predetermined pricing guidelines are not factoring in the actual real cost which a roofing contractor would have to charge a consumer to perform the recommended repairs or roof replacement. The costs to the roofing contractor have been rapidly increasing on aluminum, lumber and plywood, as well as steel products as a direct result of the tariffs. Additionally, however not necessarily related to the recent Trump tariffs, asphalt, felts, and coatings have jumped in price as well. These cost increases are initially incurred by roofing contractors and will therefore be passed along to the consumer.

The increase in the cost of construction materials creates a scenario where the insurance companies’ estimating programs provide costs at a far smaller value than what it actually costs a contractor to perform the recommended work. This creates a situation of an underpaid insurance claim and is a primary factor in an insurance policy holder’s decision to seek help from a property damage attorney. All too often, the insurance companies will draw a line in the sand based upon their own estimate, not realizing or not caring about the fact that the real cost to replace damaged property far exceeds their paltry estimates.

President Trump’s Tariffs May Very Well Impact Insurance Claims

The reality of an insurance company underpaying an insurance claim is all too real to Florida homeowners. The Trump tariffs only increase the likelihood of this insurance company practice occurring; homeowners and business owners must remain vigilant in their efforts to get fully compensated for their insurance claim. If you have experienced a denied, underpaid, or delayed property insurance claim, do not delay in contacting St. Petersburg Property Damage Attorney Jonathon W. Douglas at Battaglia, Ross, Dicus & McQuaid, P.A. for a free consultation. We will ensure that your loss is given the proper valuation in light of all existing site conditions and trends in the construction industry.

ST PETERSBURG PROPERTY DAMAGE ATTORNEY JONATHON W DOUGLAS
5858 Central Ave suite b
St. Petersburg, FL 33707
(727) 381-2300