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Hurricane Irma Florida Keys

September 21, 2017 by  
Filed under Uncategorized

Maximize claims will be making their way down to the Florida Keys starting Thursday Sept 21. As we continue to work hard and help policy holders successfully file and recover their insurance claims, it looks as though it’s now clear for people to begin re-entering the Florida Keys. We will be making many trips back and forth, so if anyone has any donations, or goods, that you would like us to bring down for you, please let us know. Also, if you’re a property owner that has received damage from hurricane Irma, please contact us (888)999-9068 so we can schedule an appointment and see if our services can be beneficial to your claim recovery.

Hurricane Irma

September 20, 2017 by  
Filed under Uncategorized

Maximize Claims wishes everyone affected by this powerful storm the very best of luck in repairing their damaged properties. It seems as though some parts of South Florida on the East coast experienced some flooding, and lots of blown over trees. On the West Coast near Naples, and Marco Island especially we have found a lot more property damage. Many damaged roofs, pool screen enclosures, siding, fences, cars, boats, and more. Due to the large number of properties that received damage from this storm, it seems as though many policy holders are experiencing delays in getting their insurance companies out to their properties to write up an estimate for their claim. Please make sure you document your damage to the best of your ability. With the large number of claims, a lot of damage has seemed to be getting overlooked by the insurance companies adjusters. In many cases when a policy holder hires a public insurance adjuster, this adjuster who represents the policy holder exclusively, not the insurance company, can re-assess your damage, and its not uncommon for a public adjuster to increase your claim settlement by 700% or more in many cases.

If you’re a policy holder who has received property damage in South Florida, Naples, Marco Island, Fort Myers, or anywhere in the Florida Keys, contact us today (888)999-9068 so we can help assess your situation. If you contact us at the beginning of your claims process, we can create our estimate first, begin negotiations with your insurance company on your behalf, work to get you the highest possible recovery based upon your specific policy, and this will result in your insurance company fighting an uphill battle rather then us trying to make up ground once they have already completed their estimate.

Maximize Claims credits our success in negotiating claims to our amazing team of experienced professionals. We will never give up, always work our hardest, pay very close attention to your policy, small details, and persistence until we get the results our clients are happy with.

Hurricane Harvey

September 20, 2017 by  
Filed under Uncategorized

Hurricane Harvey in Texas may be the most costly storm in history when all said and done. While most hurricanes create most of their property damage from heavy winds, Harvey produced most of its property damage by creating very bad flooding. Many article state that less then 15% of the properties damaged from the heavy flooding had flood insurance. This will put many policy holders in tough situations as they may be responsible for repairing their damaged properties with their own money. Please contact us if you have any questions regarding your policy, or if you are having any problems with your insurance claim.

Hurrican Matthews

September 20, 2017 by  
Filed under Uncategorized

Maximize Claims has been very busy adjusting insurance claims up in the Daytona, Ormond Beach, Flagler, and Saint Augustine areas. We’re very happy with the results we have received for our clients so they can properly repair their homes back to their pre-loss condition.

Southern Tornado Claims Over 36 Lives

May 1, 2014 by  
Filed under Uncategorized

Tornado and flood warnings are still issued in many Eastern and Southern States affecting over 60 million people. This is a very slow moving storm which has already caused millions of dollars in damage, and has taken over 36 lives and counting. This string of violent tornadoes has caused major damage to businesses, lives, family members, residential and commercial properties, communities, neighborhoods, and more.

Tornadoes are very scary storms because they normally wipe out just about everything in their paths, taking lives, and creating total destruction. Monday and Tuesday was the first time in 22 years with 10 or more deaths caused by a tornado in two consecutive days.

If you have experienced any losses due to these storms and need assistance, please contact www.maximizeclaims.com or www.tornadoclaims.com so we can help you in this time of need. We work with adjusters in your area to get you the largest possible settlement for damage to your insured property. If your home, business, automobile, airplane, or boat has been damaged due to these Tornadoes or Flooding contact us today online or call 888-999-9068 to speak with a team member today. Thousands of homes have been blown away, and we can also help you obtain temporary housing and work to make sure your expenses are covered.

Deadly Storms

November 19, 2013 by  
Filed under Uncategorized

United States stayed clear of any hurricanes this season, but get ready for tornado season. The past few weeks have been quit devastating to see all the damage, and lives taken due to Typhoon Haiyan in the Philippines, and the deadly storms that spawn more then 80 reports of tornadoes in the Midwest.
When these powerful beasts of nature come roaring through cities, states, and countries, there’s really little one can do to obtain proper protection. Of course you can prepare by making sure your household is stocked up on food, water, batteries, and generators, but the best piece of advice is to always evacuate the area.
Typhoon Haiyan was one of the largest typhoons to ever make landfall, and it took between 3,000-4,000 lives so far and counting. It also destroyed 100’s of 1,000’s of homes and buildings at the same time. This damage also includes many roads, and airports as well. It’s reported that over 13 million will be affected by this disaster besides the dead, and over 1 million homes have been damaged. If you’re a victim and have suffered damage from Typhoon Haiyan please feel free to call MaximizeClaims toll free at 888-999-9068, and we will try our best to help in anyway possible.
In Illinois, November seems to often be an active time for Tornadoes. This past Sunday there were reports of a storm creating over 80 tornadoes, killing at least six people, destroying hundreds of homes, and causing millions of dollars in damages. Tornadoes are very scary and dangerous, because many times they come with little to no warning at all destroying everything in their path. The ‘Chicago Tribune’ reported earlier today that since 1986 there have been 194 tornado warnings issued in the month of November in Illinois; and more than half of them 101 were issued on a Sunday according to the ‘Chicago Weather Center’.
The hardest hit area in Illinois by these Tornadoes this past Sunday was Washington Illinois a town of nearly 15,000 people which is located East of Peoria Illinois. These Tornadoes were comprised of winds in excess of 170 mph, and large hail which also causes major damage to property.
If you or anyone you know has been affected by the Tornadoes in Illinois over the past weekend, please contact MaximizeClaims, visit us at www.tornadoclaims.com, or call 888-999-9068 for assitance as well. We will help to insure you receive a fair settlement from your insurance company during this time of loss. If you have damage to your home, or business, we can also help work with your insurance company to recover loss wages due to the storm, and get you money for housing if your home isn’t safe to live in due to damage caused by this storm.

Tornado Insurance Claims

June 5, 2013 by  
Filed under Uncategorized

It’s a very scary thought when a tornado over a mile long can come and go within an hour, and create over $250 million in damages, while taking many lives as well. Settling claims caused by a tornado can be a tough and lengthy process for the policy holders when dealing with their insurance company. Many times your home or insured property is completely demolished or blown away, and the insurance company has so many claims they’re responsible for and arent always prepared for the catastrophic event that took place.
During this time of loss it’s very important to take as many pictures as possible to show evidence of your damaged property. It’s also good to dig up some old pictures if you have any to show what the covered property looked like before it was destroyed or damaged. Many policy holders are experiencing disputed, denied, or delayed responses from their insurance companies, and this is because they have so many different claims to handle, and also have so much money in losses they’re responsible for paying out to cover the damages. Oklahoma Insurance Commissioner John Doak said Tuesday that there have been more then 32,400 insurance claims filed since May 19.
If your property was damaged it may be in your best interest to contact a public insurance adjuster to help maximize your claim, and get you the money you deserve. Because winds are so strong in tornados, many times they can rip off roofs, flip cars, knock down trees causing property damage, break windows, even blow away your whole home just leaving a pile of memories. Between the wind, huge hail, and water, tornados can be a very deadly and destructive event.
Please also realize that if your home is damaged, it may not be safe for you to live in right now, and you may also need some immediate repair, or perhaps some tarp to help cover openings in your roof or siding. Depending upon your damage, it may even be best for us to try and get you some temporary housing in a near by hotel until your home is in a safer and more stable condition. At www.tornadoclaims.com we’re happy to hear about your situation, and see if there’s anything we can do to help maximize your claim. Perhaps we can make settling your claim easier for you, and give you some more free time to take care of some other problems that have arose from this unfortunate disaster.

Superstorm Sandy cost New York $19 Billion

November 27, 2012 by  
Filed under Uncategorized

Source: New York Daily News By: Erin Durkin

The city suffered a whopping $19 billion in losses from Superstorm Sandy, Mayor Bloomberg said Monday in a plea for federal aid.Bloomberg said he will travel to Capitol Hill Wednesday to make the city’s case with Congressional leaders.
He’s asking the feds for $9.8 billion in aid, on top of the $5.4 billion the city expects in automatic reimbursements from FEMA.
“The City will struggle to recover in the long term unless expedited federal funding is supplied,” Bloomberg wrote in a letter to the New York Congressional delegation.
“New York City agencies worked around the clock to implement preparatory measures to mitigate the effects of the storm as well as respond to its aftermath. Because of the sheer impact of destruction, many City agencies are only now beginning to focus on the recovery,” he wrote.
“Additional federal assistance is required to ensure that the storm costs, currently estimated at $4.5 billion for City agencies, do not compromise the services and operations that New Yorkers rely on the City to provide.”
Bloomberg estimates that the storm will cost city agencies $4.5 billion, cost $8.6 billion in damages to private individuals and businesses – $3.8 billion of that covered by private insurance – and $5.7 billion in economic losses.
It was not immediately clear how much of the city’s request will overlap with the $30 billion Gov. Cuomo requested from the feds.
The governor was scheduled to meet Monday with members of New York’s congressional delegation, including Democratic Sens. Chuck Schumer and Kirsten Gillibrand, to go over his funding request.
edurkin@nydailynews.com

Hurricane Sandy Insurance Claims Help

November 11, 2012 by  
Filed under Uncategorized

Source Reuters By: Lauren Young, Linda Stern, Chelsea Emery and Beth Gladstone; Editing by Claudia Parsons

For some homeowners, the aftermath of Hurricane Sandy could bring a whole second round of troubles. After the storm passes, they may have to negotiate with their insurers to get the cash they need to repair wind and water damage.

Homeowners’ insurance companies have gotten tougher as weather has become more cataclysmic. They’ve raised rates, carved out some coverage and tucked in new wind and hurricane exclusions and deductibles.

Homeowners need to play the game right if they want to get claims paid quickly and thoroughly. You can start early – here’s what to do now and later.

FIND YOUR POLICY

If you’ve got your flashlights loaded with fresh batteries and your water bottles in a row, dig out your homeowner’s insurance policy and see what kind of coverage you actually have. You may be unpleasantly surprised: After Hurricane Irene hit in August 2011, more insurers tucked hefty wind and hurricane deductibles into their policies. They run 2 percent to 5 percent of the insured value of your home, says Charles Hahn, an insurance agent in Little Falls, New Jersey, where “we’re known for flooding a lot.”

Keep in mind that many insurers have “anti-concurrent causation clauses” in policies now that say if you have damage from multiple causes, say wind and flooding, where wind is covered but flooding is not – they won’t cover anything at all.

A new flood insurance law passed this summer requires insurers to use federal data to allocate the costs in cases where a home is totally destroyed by flooding and wind damage.

Homeowners who live near the shoreline do tend to have federal flood insurance; their mortgage lenders require it. But Hahn says he saw an uptick in inland purchasers after Irene. Nationally, some 5.65 million federal flood insurance policies were in place at the end of 2011 – that represents a 17 percent increase over the previous year, according to data from the Insurance Information Institute.

That’s good, because so much rain fell during Irene that basements flooded in neighborhoods far away from rivers and streams. The same – or worse – is expected this time around.

Even if you don’t have flood insurance, you might have extra protection from water damage if your insurance policy covers failure of your sump pump, says Richard Cohen, a property loss consultant at Clarke & Cohen in Bala-Cynwyd, Pennsylvania. This kind of coverage is generally included in some high-end homeowners’ policies, although other policies may offer limited coverage.

One silver lining: If the water rises so high in your neighborhood it floods your car, you’re probably covered by your comprehensive auto policy, reports the Insurance Information Institute.

TAKE PICS – NOW AND LATER

While you are waiting for the storm to hit in earnest, take your camera phone around your house and inventory all of your belongings, says Bob Hunter, director of insurance for the Consumer Federation of America.

Even better: video. “You can actually see everything before and after,” Cohen says.

If your home is damaged, document it carefully before you move anything and get images as soon as possible. “When things dry, they can look a lot different,” Cohen says.

Leave the damage as it is until an insurance adjuster arrives on the scene, if possible. However, Sandy is expected to hit a wide swath of the Northeast, so an adjuster may not make it to your home for a few weeks. “It all depends upon how significant the power outages are,” notes Cohen. Keep all damaged items until the adjuster has had a chance to look at them.

EMPTY YOUR BASEMENT AND FRIDGE

Even if you have flood coverage, you may be disappointed to learn just how little it will cover. You’re protected for structural damage and the cost of replacing basement utilities like electrical panels and heating units, Hahn says. But all the precious items you have stored downstairs? Not so much. Might as well haul them upstairs now if you’re worried about a wet basement.

Homeowner Richard Dukas, a public relations executive from Teaneck, New Jersey, could see the floods from Irene coming and saved all of his possessions from his basement. He had flood coverage. He still ended up getting only $10,000 back from the insurance on $15,000 worth of damage.

Most homeowners’ policies do cover the cost of food that spoils when the power goes out. But if that’s your only loss, it will be subject to your policy’s deductible of $250, $500 or more. That means that unless you have a large freezer full of meat or priceless truffles, you may not find it worth filing for.

FILE CLAIMS PROMPTLY

You may get faster attention if you submit a claim quickly. “Homeowners who get in line first have a better chance of recovery than those who make claims quite a bit later,” observes Linda Kornfeld, a Los Angeles attorney with Jenner & Block who represents consumers and business owners in cases against insurance companies.

Federal flood insurance typically carries a 60-day deadline, though it often gets extended after extreme events. Miss that deadline and your flood insurance will be worthless.

CHOOSE YOUR WORDS CAREFULLY

Call your insurer as soon as you see damage and let them know if you need to spend money to make immediate repairs, says Kornfeld. But don’t characterize the cause of the damage – the company could dredge up your remarks and use them to deny your claim. So, for example, say: “My window is broken, and there is water on my dining room floor and I am going to buy plywood to cover the window.” Don’t say: “Wind broke my window and my dining room flooded.”

DRY OUT

Hire an emergency services company to dry everything out and dehumidify the area. Some big national chains include Servpro and Belfor. They’ll bring in equipment, such as special fans, to get things dry again. Getting your stuff dry is really important because mold can be an even a bigger headache than flooding. “Insurance policies have limitations for mold,” Cohen warns.

Check with your insurer before laying out large amounts of money for repairs, though. It may refuse to pay. They typically will pay small amounts for immediate fixes, such as a tarp to cover that gaping hole in the roof. Of course, keep all of your receipts.

GET A ROOM, BUT KEEP TABS

If you move into a hotel because your house is without power, that’s on you. However, most insurers do cover hotel stays if your house really is uninhabitable, thanks to a gaping hole in the roof or a tree in your bedroom, for example. You may also be covered for meals and hotel stays if local or state authorities had a mandatory evacuation of your neighborhood.

If you need to leave your house because it is flooded, don’t expect the same coverage. Federal flood insurance doesn’t cover hotel bills and the like, according to the Insurance Information Institute.

KNOW THE RULES OF YOUR STATE

What the storm is called when it hits your house will affect your coverage, depending on your state of residence. If you are in New Jersey, for example, and the storm hits as a hurricane on the coast, but downgrades to a tropical storm by the time it hits your house, the higher hurricane deductible may still apply to your claim. “It was applied state-wide in Irene,” Hunter says.

For some homeowners, that could be the final battering delivered long after the winds have died down.

How Important Is Flood Insurance?

November 11, 2012 by  
Filed under Uncategorized

Amazing to see that Hurricane Sandy is expected to cause in excess of 10 Billion in insured losses, and with the flood damage included in excess of 20 billion.

Source: CNNMONEY By: Jennifer Liberto

WASHINGTON (CNNMoney) — Hurricane Sandy’s devastating windy march up the U.S. east coast is expected to cause as much as $10 billion in insured losses, according to a disaster modeling firm.
The storm is expected to hit New Jersey Monday night as a Category 1 hurricane. It has already wreaked havoc, with winds gusting up to 115 miles per hour, pushing water into coastal Virginia, Maryland, New Jersey and New York.

By noon on Monday, high winds from the approaching storm has already cut power lines, leaving 300,000 households and businesses without power, utility companies told CNN.
The catastrophe modeling firm Eqecat expects insured losses to range between $5 and $10 billion. The estimate includes damages to residential property, commercial property, energy production and the interruption of business, according to Tom Larsen, senior vice president of Eqecat.
Weather research firm Kinetic Analysis Corp. estimates the storm will cause $6 billion in insured losses.
Both estimates exclude flood damage. Flooding is insured by the federal government and could push damage costs up to $20 billion, according to the Eqecat analysis.
Using these estimates, Sandy’s damages will likely be smaller than Hurricane Katrina, which was a Category 3 storm with winds of around 125 per hour. Some 1,800 people died from Katrina, when New Orleans levees failed to hold back rising flood waters. Katrina caused $45 billion in private insurance damage, excluding flood losses, according to the Insurance Information Institute.
Hurricane Sandy, so far, roughly resembles Hurricane Irene. A Category 1 storm, Irene hit North Carolina in August 2011, and marched up the East coast leaving some $4.3 billion in insured damages.

“It appears that Hurricane Irene remains a reasonably good proxy for Sandy at this time,” said Larry Greenberg, an analyst with Janney Montgomery Scott LLC., an equity research firm.
Greenberg said Sandy may come with less rain. The bigger risk, he warned, came a surge in water levels because the storm arrives during a full moon, which is associated with higher tides than usual.
– CNN’s Mark Norman contributed to this report.

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