{"id":35233,"date":"2023-09-20T12:30:26","date_gmt":"2023-09-20T16:30:26","guid":{"rendered":"https:\/\/www.propertyinsurancecoveragelaw.com\/?p=35233"},"modified":"2023-11-15T19:32:30","modified_gmt":"2023-11-16T00:32:30","slug":"the-one-year-anniversary-of-hurricane-ian-what-do-policyholders-now-face","status":"publish","type":"post","link":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-one-year-anniversary-of-hurricane-ian-what-do-policyholders-now-face\/","title":{"rendered":"The One Year Anniversary of Hurricane Ian\u2014What Do Policyholders Now Face?\u00a0"},"content":{"rendered":"\n<p>It has been one year since Hurricane Ian. If you have not completely resolved your claim, you need to see a lawyer about your rights. Public adjusters and contractors working on Hurricane Ian claims should say the same thing. One year is just too long for a settlement not to have been made, and insurers have had enough time to work with non-legal professionals to get their jobs done right.&nbsp;<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>I wrote a post last January, <em><a href=\"https:\/\/www.propertyinsurancecoveragelaw.com\/2023\/01\/articles\/insurance\/why-are-hurricane-ian-claims-adjustments-so-wrong-low-and-slow\/\" target=\"_blank\" rel=\"noreferrer noopener\">Why Are Hurricane Ian Claims Adjustments So Wrong, Low, and Slow?<\/a><\/em>, where I\u00a0stated:\u00a0<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>The policyholder gave me permission to publish<a href=\"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2023\/01\/1STCAR1-1.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u00a0the estimate<\/a>\u00a0where Slide Insurance Company estimated the main roof damage to be just above $1,100.<\/p>\n\n\n\n<p>\u2026.<strong><em>Was the field adjuster incompetent? Was the field adjuster\u2019s estimate secretly changed by desk adjusters who never visited the loss?<\/em><\/strong><em>&nbsp;<\/em><\/p>\n\n\n\n<p>The bottom line is that this example is one of tens of thousands of poor, slow, and low Hurricane Ian property adjustments. Maybe I only see the problem cases. There sure seem to be more problem adjustments than any storm I can remember.&nbsp;<\/p>\n\n\n\n<p>Maybe the property claims managers will get the message and make changes. I truly hope so. Otherwise, there will be a great deal of explaining to do in courts and the court of public opinion.<\/p>\n<\/blockquote>\n\n\n\n<p>The media has called out Florida\u2019s political leaders for selling out to the insurance industry and passing laws that encourage insurance companies to further delay and underpay claims payments, as noted in\u00a0<a href=\"https:\/\/www.propertyinsurancecoveragelaw.com\/2023\/09\/articles\/consumer-protection\/media-calls-out-floridas-politicians-and-desantis-for-selling-out-to-insurers-the-maddening-reality-for-hurricane-idalia-victims\/\" target=\"_blank\" rel=\"noreferrer noopener\"><em>Media Calls Out Florida\u2019s Politicians and DeSantis For Selling Out To Insurers\u2014The Maddening Reality For Hurricane Idalia Victims<\/em><\/a>:\u00a0<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>The sweeping revisions makes it more difficult for homeowners to sue their property insurance companies for acting in \u2018bad faith\u2019 and removes the right of homeowners to recover attorney\u2019s fees, even in lawsuits they ultimately win. Additionally, the adjustments to Florida\u2019s insurance laws allow insurance companies to create new policies with mandatory binding arbitration agreements in exchange for a premium reduction, which will also thwart many homeowners\u2019 option to take insurers to court\u2026Moreover, the legislation shortened the window in which policyholders can file claims with their insurers, invested $1 billion of taxpayer funds into a state-run reinsurance fund to help insurance companies mitigate their losses in the event of catastrophic events, and narrowed eligibility for Citizens, Florida\u2019s state-run nonprofit insurance company that provides insurance to people who cannot find affordable coverage on the regular market.<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p>The bottom line is that every policyholder with an open Hurricane Ian claim should consult a competent attorney. Specifically, policyholders should seek attorneys who have been practicing in this area of law long before Hurricane Ian struck to advise on their legal rights and the management of their claims.<\/p>\n\n\n\n<p>Public adjusters and contractors whose clients have open Hurricane Ian claims should also recommend consulting an independent attorney. If they advise otherwise or discourage you from seeking your own legal counsel, be wary. It&#8217;s not only suspicious but also illegal for them to do so.<\/p>\n\n\n\n<p><strong>Thought For The Day&nbsp;<\/strong><\/p>\n\n\n\n<p><strong><em>A lawyer with a briefcase can steal more than a thousand men with guns.<\/em><\/strong><\/p>\n\n\n\n<p><em>\u2014Mario Puzo, &#8220;The Godfather&#8221;<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>It has been one year since Hurricane Ian. If you have not completely resolved your claim, you need to see a lawyer about your rights. Public adjusters and contractors working on Hurricane Ian claims should say the same thing. One year is just too long for a settlement not to have been made, and insurers&nbsp;<span class=\"ellipsis\">&hellip;<\/span><\/p>\n","protected":false},"author":11,"featured_media":32085,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[],"tags":[302,10],"class_list":["post-35233","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-hurricane-ian","tag-insurance-claim"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The One Year Anniversary of Hurricane Ian\u2014What Do Policyholders Now Face?\u00a0 | Property Insurance Coverage Law Blog<\/title>\n<meta name=\"description\" content=\"September 20, 2023 It has been one year since Hurricane Ian. If you have not completely resolved your claim, you need to see a lawyer about your rights. Public adjusters and\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-one-year-anniversary-of-hurricane-ian-what-do-policyholders-now-face\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The One Year Anniversary of Hurricane Ian\u2014What Do Policyholders Now Face?\u00a0 | Property Insurance Coverage Law Blog\" \/>\n<meta property=\"og:description\" content=\"September 20, 2023 It has been one year since Hurricane Ian. If you have not completely resolved your claim, you need to see a lawyer about your rights. Public adjusters and\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-one-year-anniversary-of-hurricane-ian-what-do-policyholders-now-face\/\" \/>\n<meta property=\"og:site_name\" content=\"Property Insurance Coverage Law Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/MerlinLawGroup\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-09-20T16:30:26+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-11-16T00:32:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2022\/10\/hurricane-ian-iStock-1428633300-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1255\" \/>\n\t<meta property=\"og:image:height\" content=\"835\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Chip Merlin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@MerlinLawGroup\" \/>\n<meta name=\"twitter:site\" content=\"@MerlinLawGroup\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Chip Merlin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-one-year-anniversary-of-hurricane-ian-what-do-policyholders-now-face\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-one-year-anniversary-of-hurricane-ian-what-do-policyholders-now-face\/\"},\"author\":{\"name\":\"Chip Merlin\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/person\/afcea553aa14bf3d76866bb59b841f37\"},\"headline\":\"The One Year Anniversary of Hurricane Ian\u2014What Do Policyholders Now Face?\u00a0\",\"datePublished\":\"2023-09-20T16:30:26+00:00\",\"dateModified\":\"2023-11-16T00:32:30+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-one-year-anniversary-of-hurricane-ian-what-do-policyholders-now-face\/\"},\"wordCount\":535,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-one-year-anniversary-of-hurricane-ian-what-do-policyholders-now-face\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2022\/10\/hurricane-ian-iStock-1428633300-1.jpg\",\"keywords\":[\"Hurricane Ian\",\"Insurance Claim\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-one-year-anniversary-of-hurricane-ian-what-do-policyholders-now-face\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-one-year-anniversary-of-hurricane-ian-what-do-policyholders-now-face\/\",\"url\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-one-year-anniversary-of-hurricane-ian-what-do-policyholders-now-face\/\",\"name\":\"The One Year Anniversary of Hurricane Ian\u2014What Do Policyholders Now Face?\u00a0 | Property Insurance Coverage Law Blog\",\"isPartOf\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-one-year-anniversary-of-hurricane-ian-what-do-policyholders-now-face\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-one-year-anniversary-of-hurricane-ian-what-do-policyholders-now-face\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2022\/10\/hurricane-ian-iStock-1428633300-1.jpg\",\"datePublished\":\"2023-09-20T16:30:26+00:00\",\"dateModified\":\"2023-11-16T00:32:30+00:00\",\"description\":\"September 20, 2023 It has been one year since Hurricane Ian. 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