04/22/2022
Homeowners, THIS IS VERY IMPORTANT INFORMATION. We are all facing a homeowners insurance crisis in Florida. Things are not going to change until we all change on how we view homeowners insurance and Tallahassee also makes a change. A Homeowners insurance policy is not to maintain the upkeep of your home, such as plumbing, roofing etc. It is to provide compensation in the event you have a covered LOSS to the property. Beware of unscrupulous INDIVIDUALS contacting you wanting to file fraudulent and inflated claims. Along with inflation - due to cost of living, cost of construction, stronger hurricanes, climate change and greed are SOME of the reasons we are faced with rising insurance cost and insurance companies non-renewing policies and pulling out of the State of Florida. This is not a political thing, its a moral thing. We all suffer for the greed of others. Every day we as Insurance Agents have the difficult task of telling our customers their insurance premium have increased drastically OR they are uninsurable (no company will provide them with coverage).
Some of these customers were taken advantage of by someone "claiming to help them file a valid claim, because the insurance company has been stealing their money for years." Not true. Yes, there are some difficult insurance companies and there are times you will need a good, honest Public Adjuster and Attorney to defend your case to get what you are ENTITLED to and these are very rare cases. The insurance company WILL work with you and YOU will get paid. Be careful signing POA with these individuals. I see so many people who received thousands of dollars from the insurance company for "padded" and "fraudulent" claims. Some of these insureds signed a POA leaving them thinking they got "paid" and outsmarted the insurance company. You would be surprised at the horror stories and the insurance company ALWAYS gets a bad wrap. Not so my dear friends. The problem is NOT the insurance company and you might NOT have gotten paid what you were due. Now you are left holding the bag, the money is finished but you must obtain insurance and pay for it too.
Read the fine print !!!!!!
All homeowners are now faced with increased homeowners premium, some are uninsurable or worse cannot afford their mortgage because the insurance premiums are escrowed. WE ALL SUFFER FROM THE CONSEQUENCES OF THESE POOR BEHAVIOUR.
Please be aware of individuals knocking on doors, calling, emailing and texting advising you have roof, plumbing or mold issues and you can "make lots of money" by filing an insurance claim. While it may seem legal it is not moral and YOU WILL PAY FOR IT IN THE LONG RUN and so will other innocent homeowners.
WE ARE IN A CRISIS AND I AM SORRY TO TELL YOU THIS, IT WILL GET WORSE. HELP STOP INSURANCE FRAUD !!!!!!
IF YOU THINK YOU MIGHT HAVE A CLAIM, CALL YOUR INSURANCE AGENT FIRST FOR INFORMATION ON HOW TO HANDLE. DON'T BE FOOLED.