Key West Hurricane Irma: contents total plus structure allocation.
Example figures drawn from common Florida claim patterns. Not a specific claim or client, and not actual settlement amounts. Disclosures.
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.
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The intervention
What we did
Tide gauge data, engineer report on wind-vs-surge causation, and detailed contents inventory.
Key takeaways
Lessons for policyholders
Wind vs flood allocation is frequently the decisive fight on Keys claims.
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No obligation. No fee unless recovery.
Licensed Florida public adjuster. No fee unless we recover more.
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Another Florida claim example.
Another Florida claim example.
Another Florida claim example.
Another Florida claim example.
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Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
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