St Augustine Hurricane Matthew: flood vs wind allocation doubled recovery.
Matthew produced significant coastal surge. NFIP paid flood; homeowners fought over wind portion.
Matthew produced significant coastal surge. NFIP paid flood; homeowners fought over wind portion.
The initial claim
What went wrong
Homeowners carrier attributed most damage to flood (not their obligation).
The intervention
What we did
Engineering causation analysis separating wind-caused roof damage from flood-caused lower-level damage.
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Key takeaways
Lessons for policyholders
Proper wind vs flood allocation can yield tens of thousands in additional homeowners recovery.
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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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- ✓No fee unless we recover more than you were offered
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