Key West Hurricane Irma: contents total loss plus structure.
Irma devastated the Keys. Insured had moved contents to second floor before storm; surge reached second floor. Carrier disputed contents reaching that height.
Irma devastated the Keys. Insured had moved contents to second floor before storm; surge reached second floor. Carrier disputed contents reaching that height.
The initial claim
What went wrong
Carrier argued wind/flood allocation against the insured's favor.
The intervention
What we did
Tide gauge data, engineer report on wind-vs-surge causation, and detailed contents inventory.
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Key takeaways
Lessons for policyholders
Wind vs flood allocation is frequently the decisive fight on Keys claims.
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Know the law
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FS 626.854 Public Adjusters
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FS 627.70131 Carrier Duties
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FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
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