Panhandle Hurricane Michael: $60,000 offer to $340,000 recovery.
Category 5 Michael devastated Mexico Beach. Carrier offered a fraction of actual damage. Full scope + ordinance or law pushed recovery past $300k.
Category 5 Michael devastated Mexico Beach. Carrier offered a fraction of actual damage. Full scope + ordinance or law pushed recovery past $300k.
The initial claim
What went wrong
Initial CAT scope missed extensive roof decking failure, hurricane-straps code upgrades, and significant content losses.
The intervention
What we did
Full engineering assessment, ordinance-or-law breakdown with code citations, itemized contents inventory, escalated through appraisal.
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Key takeaways
Lessons for policyholders
Category 5 events require ordinance-or-law maximization. Code upgrades often equal 15-30% of structural loss.
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Daytona Hurricane Ian (spawned tornado): scope doubled after engineer report.
Ian spawned a tornado in Daytona. Initial scope treated as straight-line wind; tornado-force damage justified much higher scope.
Free claim review
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- ✓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?
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Know the law
Relevant statutes
FS 626.854 Public Adjusters
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
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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See also
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- ✓Licensed Florida public adjusters
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- ✓No fee unless we recover more than you were offered
What kind of damage?
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