Danny Federico
news@greenepublishing.com
In the aftermath of Hurricane Debby, many Floridians are expected to file insurance claims for wind and flood damage. The Florida Association of Public Insurance Adjusters (FAPIA) emphasizes the importance of timely documentation and filing of insurance claims to ensure that affected individuals receive the necessary support.
However, homeowners are also warned to be cautious of potential scams during this vulnerable time. The association highlights that homeowners should be wary of anyone offering a “free roof” or financial incentives to file claims on their behalf. Additionally, offers of payment for home inspections should raise red flags. FAPIA provides seven essential tips to help Floridians avoid becoming victims of insurance fraud:
Verify Professional Licensing: Ensure that contractors and public insurance adjusters are licensed to operate in Florida. Only public adjusters and lawyers are legally authorized to negotiate claims with insurance companies. Verification can be done at www.beclaimsmart.com.
Check for Required Permits: Confirm that all necessary permits for repairs are obtained. Failure to do so may result in incomplete or substandard work and potential liability for the homeowner.
Avoid Cash Payments: Use traceable payment methods such as credit cards, checks or debit cards. Always request and keep receipts for insurance claims.
Beware of “Assignment of Benefits” (AOB) Agreements: Recent legislation has made it illegal to ask customers to sign AOB agreements, which allow third parties to manage insurance claims and collect payouts. Individuals who find such requests are urged to report them to the Department of Financial Services.
Timely Filing of Claims: Florida law mandates that hurricane damage claims be filed within one year of the loss. Prompt inspection and claim filing are crucial.
Mitigate Further Damage: To avoid claim denial, take steps to prevent additional damage to property, such as tarping a damaged roof. Review your insurance policy’s “Duties After Loss” section for specific responsibilities.
Stay Alert for Scammers: Be cautious of individuals posing as contractors or roofers offering to handle insurance claims. Only licensed public insurance adjusters and attorneys should manage these claims.
Public insurance adjusters are trained to conduct thorough property inspections, document damages, understand policies, inform policyholders of their responsibilities, estimate repair costs accurately, and ethically navigate the claims process.
For more information and to find a licensed public adjuster, visit www.beclaimsmart.com.
