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@@krissycus self insurance really is an individual situation

@@baolowude would likely get denied. Not a covered peril ie your own negligence

@@saintclairepatriz it does not cover an amount that exceeds your normal monthly payment. Gosh, people should be scared if you're an agent. Loss of use is if you are displaced from your home. It will provide funds to live at another place. Has nothing to do with what you currently pay other than trying to get a house for $10k month and your mortgage is $5k a month won't swing it. It should be apples for apples. Again, you need to know this if you're an agent

@@theclaimsquadpublicadjusters loss of use will only reimburse you for expenses that are above and beyond those that you would incur if you lived at home. Many agents do not know this, they just bind policies. It's best to speak with someone in claims.

@@saintclairepatriz your living expenses are associated with ALE aka Additional Living Expenses that is different coverage and definition from Loss of Use

@@theclaimsquadpublicadjusters but it's very important that renters know that it's not as simple as " it pays for you somewhere else to live". It's also important that they know that it's on a reimbursement basis so one will be reimbursed for only the amount that exceeds his/her rental amount unless there is an actual $$ limit defined in the policy.

I also think that it's very important to define your audience. Are you speaking to RENTERS OR HOMEOWNERS. That of course changes the focus. Be clear.

@@NotAWolf86 adjusters lie and lie and lie They should be named Lying Field Adjusters

@@mfamily3301 thank you :)

@@mfamily3301 that would depend on how bad water damage is and suggestion of water mitigation company

@@salvatorelivreri unfortunately this video pertains to homeowners claims not auto

@@failingup4907 I would file a complaint with your Dept of Insurance on this or whoever regulates insurance companies in your State

@@theclaimsquadpublicadjusters I don't even know where to look for that? Also, how is using Drones even legal? Isn't that invasion of privacy?

@@failingup4907 insurance companies can do anything they want since they pay off politicians to pass laws in their favor

@@danataylor9437 how much are you claiming? What happened?

@theclaimsquadpublicadjusters the maximum amount of $10,000 on the Assurant policy. Due to the theft of my personal belongings by my landlord roommate, an 77-year-old man, that SA'd me then locked me out of the house and stole anything of value that I had (worth fat more than $10,000). I had been working with police to regain these belongings along with the SA unit, though police have been less than helpful, saying they are understaffed to enforce anything like this. After months of seeming a resolution with them, they my only recourse is insurance and a civil case. Therefore, I am filing a claim with

I have filed a police report almost a year ago now.

@@danataylor9437 if you have the PR and info of the gentleman, then that should not be issue with coverage. For PP, just be aware that anything older than 3 years old they will probably depreciate by 50%

@theclaimsquadpublicadjusters thanks for the tips. Can you provide me with any other tips for the submission of this claim. There is the theft or conversion of assets and properties outside my personal belongings that I am interested to know if you have any legal and/or professional level assistance that you can provide?

@@Mrgui110tine nothing is easy with home claims

@@theclaimsquadpublicadjusters your video was educational. Ty. Hope they let me do the work myself. My basement flooded from sewer backup

@@gloriasilence I imagine you are filing a roof claim? Might want to see if you have Law or Ordinance? Was this a home? Maybe just to see who the company is? Sometimes, depending on the State, there are certain roofing limitations as well

@@theclaimsquadpublicadjusters Yes, filing a roof claim. "Law or ordinance" ? I don't understand what you're saying here. Yes, a home. 🤔 Thank you...

@@vigorousboredom7016 there is a possibility of that if they know there was damage to your home before the Hurricane. Understand it would be difficult to show what was damaged prior to Hurricane and the damage caused by the Hurricane to justify any payment

​@@theclaimsquadpublicadjusters I am also afraid that an adjuster from the insurance company would also take advantage of the storm damage inspection to make a list of all the things wrong with my home and report it to the insurance company. Then, the insurance company would give me an ultimatum to either repair everything on the list at my own cost or be dropped from my insurance policy. Have you ever seen this happen?

@@Unknown-hu4gf wrong! In Florida it's a law that insurance companies have to accept it so thanks for not knowing lol

@@theclaimsquadpublicadjusters I'm a attorney in FL. and the only person who is wrong is you... Go back to school and get some education high school dropout....

@@donaldahern9930 what did you tell them initially?

@@firegirljen you're not lying lol

@@theclaimsquadpublicadjusters 😆😫 i’m going through this right now….

@@jeromet6587 says the insurance claim adjuster. But don't worry this guy will deny your claim and not pay you.

if you use a contractor they are obligated in most states to pay O &P. It could be your state doesn't allow OP?? Not every state protects homeowners for O & P

@@melodystaub9763 Every older home in FL has a 10k water damage limit If you have a new house they prob offer full coverage I'm sure Thats easy money for insurance companies since it's unlikely anything happens with new home If you have a new house how about this I will be happy to insure you myself and beat KINs rates Good luck with claims lol They don't have to abide by Florida laws since they from Chicago I love ppl who have no clue trying to call out an expert. Anything else you like?

I do not live in Florida. I am a licensed insurance professional with 35 years experience. I just hate LIES. I also refuse to have anything to do with FL home insurance or MI auto insurance because both states are crazy. Once again, 150 million in profit vs billions paid out in claims. Insurance companies are not ripping anyone off in FL. Earning a few million in profit will not make up for billions paid out in claims. You all want great coverage but don’t want to pay for it.

@@melodystaub9763 ahh so the truth comes out An insurance agent who loves to screw people by your own failure to tell them the lack of coverages insurance companies provide because you guys don't actually know anything about what's in those policies . I see this all the time and we actually have at least 8 current E & O lawsuits against agents like you for not telling ppl they don't have certain coverages. I also see you are not very keen on accounting or have any idea how it works. You do realize that $150 million in profit (as you stated) can be manipulated to be more or less. Based on that $150 M their actual profit I would bet is 10x that number.

I would still fight it They prob going to argue lack of maintenance Where are you located?

@@theclaimsquadpublicadjusters I’m located in Texas. How do I fight the lack of maintenance statement? The direct cause was due to the sudden stoppage of flow from the main line, but the damage occurred due to the blockage from the drain pan. I don’t know what evidence to support the sudden and accidentalness of the first pipe. And I’m having trouble finding how to argue there was no lack of maintenance. You suggestions would be very helpful.

@@busayoo8949 give me a call to discuss in greater depth I have some questions

If the faucet was left on accidentally they will likely not cover it . There has to be something that causes the water loss like a breakage, crack, when referencing loss from a plumbing, AC, or fire protective system. If the faucet was leaking because there was a crack somewhere then yes it will be covered. You will have to show what was repaired by a plumber. Policy will not cover your own neglect whether that was known or unknown neglect by you, a dog, friend or family member

This just happened yesterday. I am filing a claim today

It does not cover negligence by the homeowner A covered peril needs to occur for coverage: Wind, Fire, Sudden leak from like a pipe break, hail, etc

Mr Mike thanks so much for your videos and revomendation. Help me a lot😊

@@dianamgarcia you're welcome

They are in Chicago not even a FL company

Im sorry to hear about this. I would get a couple estimates from contractors in the area to get a true price of the damages

You're welcome

A roofer spreading misinformation thinking he's an attorney is classic. I'm not here to protect attorneys but man you are way out of having any true knowledge of this that it's actually funny. Every state has it's own laws on attorney fees so check with your State. A court doesn't award attorney fees EVER unless there's a trial Lol So this clown 🤡 has no idea what the heck he's talking about But I'll just let him keep embarrassing himself Obviously he's a troll

@@theclaimsquadpublicadjusters What's the matter...you don't like competition? A public adjuster pretending to be a lawyer and a roofing expert spreading misinformation. Stick to basic policy bud.

@@TheGolfster3 lol competition for what? You have zero credibility so it doesn't really matter the nonsense you spew I doubt anyone will read your garbage anyhow They know from my responses you have no idea what you're talking about anyhow. You nailed your own coffin by not knowing how all this works.

You can call any agent around the State Try some in Tampa, Orlando area they don't have to be local

@@theclaimsquadpublicadjusters Thanks Mike

Give me a call There is a public adjuster I know in your area 754 252 5438

Yes Demi Adetutu Email: tutudoyen@gmail.com I'm trying to locate his number

@@theclaimsquadpublicadjusters Awesome. I will look them up. Thank you.

@@theclaimsquadpublicadjusters I am still early in the process, but I'm getting that " they're not working in my best interest vibe". I havent received a denial, but the claim has been turned over to their investigations section.

@@strat1960s well that's not looking too promising

Yes it would cover it. It might be hard since you changed the unit How long ago did it happen?

Ummm ... I'm not a personal injury attorney lol So you right 🤡

But thank you Mr Insurance Claim Adjuster What company do you work for?

Best of luck with your claim

I'm not familiar with them

@@theclaimsquadpublicadjusters ok. I am the one who had the lightning strike and it took out several of our electronic things but because we have a lightning pole on one end of the pasture, my electrician said that sucked up a lot of the surge. That is why we did not lose more. The lightning struck down at our driveway entrance gates. Consequently, the gates don’t open now and the photocell lights on the pillars down there don’t work now. the strike check guy was here Saturday and told my husband well there’s power going to it. I asked and electrician and he said that is still possible to have power going to it, but it be damaged. I’m waiting on pins and needles to hear from my insurance adjuster after he gets the report from Saturday. The estimates on fixing those items were very high. That’s why I am apprehensive. We also have an icemaker that is like my husband‘s addiction. It makes that little nugget ice and we actually had our island built around this particular icemaker. It cost us $5000 for that icemaker and in looking they are still $5000. The adjuster had that strike check guy look at that as well. like you said, in one of your videos, I watched, the insurance company is supposed to make you whole. I have taken notes from some of your videos, and I’m ready to come back at him if he has something to say. I am in Georgia and the adjuster for Encompass is in Alabama. We’ve had a couple phone conversations and you are correct. He tries to be my friend but now I realize that is not the case.