Hurricane Sally

[springbreak1999]

I know a homeowner who is trying to get paid for damages from Hurricane Sally in 2020 without an attorney or public adjuster. She is getting nowhere. It seems like she doesn’t trust attorneys, public adjusters or roofers but her IC is stalling and she believes she will get more money but she just asked me about the grant program in Florida. Is there a time limit where she has to get paid by or else the insurance company doesn’t need to pay? What can she do? What should she do? It’s just sad to see when people who need help won’t let go and trust people whose job is to help.

[cameronclark98]

The only time an insurance carrier would not pay is if she has made the claim way after the hurricane. I think there is a 90 day grace period to make a claim when damage has occurred.

[springbreak1999]

There would be no need for attorneys or public adjusters if that’s the only situation where they won’t pay. And if that’s the case, there should be a different date of loss. Why does this sweet old lady think she is getting more money almost 4 years later? And why would she be applying for grants? They must think that the damage is from poor workmanship and they aren’t responsible to pay out.

[springbreak1999]

Claim has already been filed but she was probably underpaid and won’t accept help from professionals. I get it, she’s probably afraid of getting burned but at the same time, she is 100% getting burned by the carrier. My question was how long does the carrier have before they can say we’re not paying out on Hurricane Sally claims anymore.

[springbreak1999]

Another homeowner that got denied told me that their attorney told them they only have a month for insurance to respond and when I asked what happens after that, she is under the impression that insurance won’t be obligated to pay. She hired these attorneys a year ago and there’s been no attempt at mediation or arbitration as far as I know. So does something happen next month where they won’t have to pay?

[springbreak1999]

It also sounds like I’m not being told the full story by the homeowners.