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Published articles by Danahy and Murray

Why Are Hurricane Michael Insurance Claim Settlements So Low?

“Lowball” offers being made to settle claims are among the top complaints coming from policyholders dealing with Hurricane Michael damage. In some cases, insurance companies use this tactic to reduce claim payout (a sign of bad faith), but in others, these lowball offers can be due to improper claim adjusting. Keep reading to learn the most common reasons for low insurance claim settlement offers. 1.Improper Damage Assessment The most common reason for low settlement offers is due to missed damage in...
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Beware of Citizens Property Insurance Corporation’s “Generous” Appraisal Offer

Citizens Property Insurance Corporation announced this week that it wants to expedite settlement of approximately 6,500 pending Hurricane Irma claims. In order to do this, Citizens is offering to pay for the costs of appraisal of these claims, including the cost of the umpire, if the parties cannot come to an agreement over valuation of the claim. This differs from the language of most Citizens’ policies, which require each party to pay for their own appraiser and split the cost...
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Top Florida Insurance Firm and Northwest Litigation Firm Partner to Help Victims of Hurricane Michael

Hurricane Michael hit the Florida panhandle on October 10, 2018 as a Category 4 – the strongest hurricane to make landfall in the continental US since 1992. The total estimate of insured losses has reached $3.4 Billion and 125,356 insurance claims have already been filed. According to a recent report, less than 60% of them have been closed. What’s more shocking is the number of consumer complaints against insurance companies since Hurricane Michael hit. More than 100 consumer complaints were...
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What Is A Business Interruption Or Extra Expense Claim And Can I file One?

After a disaster like Hurricane Michael, most business owners know the importance of promptly notifying their insurance companies to report physical damage to their storefronts, offices, warehouse, hotels, gas stations, restaurants, rental properties, or other business property. At this time, business owners usually make a claim for damaged or destroyed business personal property as well. Depending on your policy, this includes losses to inventory, computer equipment, office furniture and furnishings, medical equipment, merchandise, supplies, etc. However, many business owners do...
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Property Insurance Claim: Signs Of Bad Faith

Insurance policies are like a safety net. If a hurricane, fire, or other disaster damages your home or business, it’s safe to say you would expect your insurance company to quickly pay your claim, right? Unfortunately, the insurance claim and recovery process isn’t always as straightforward as it should be. Hurricane Michael is a good example of how murky the insurance claim process is. In less than 30 days after the storm, more than 100 complaints had been filed against insurance companies. Many...
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Things To Know About Homeowners Insurance

Studies show that the average homeowner makes one claim every nine years. That means that most are inexperienced and unfamiliar with the process. Even worse, most don’t know what they are covered for. In fact, 40% of people surveyed are not sure if they have enough coverage to replace items lost in the event of a natural disaster. For Florida residents, natural disasters like Hurricane Michael are an eye-opening reminder that what you don’t know about your insurance policy can...
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