Total waste of time watching this video no insures will except a letter from a roofer in most cases... The attorney general is also in most cases a waste of time and effort too....

Had a drain leak behind the cabinets in the wall.Farmers said it was ongoing and did'nt pay.It was sudden!Now I have half a kitchen .plus a 8000 dollar bill from the cleanup. What too do?

I’ll save you from watching the entire video, the number one reason they denied your claim is because they’re trying to make money not give it to you. You’re welcome.😂

Follow this guy for more tips on how to commit insurance fraud

I have Allstate claim for water damage to a basement and they claim to not pay O&P? Is this true or are is my agent full of ish 💩?

Lol not an agent. Won’t touch FL or MI because I am sick of listening to them whine and complain about basic math!

Hey Florida! You live in hurricane state! Nobody forced you to live there or take out a mortgage to buy a home. The rest of the country does not carry hurricane coverage. YOU DO! You are complaining that HURRICANE coverage is expensive. Boo hoo! Move!

You also LIED about Kin Insurance water damage limits. They have FULL water damage coverage available dude! You ever actually read?!! Wow!

This guy is LYING to you. All insurance carriers writing homeowners insurance in Florida only made 150 million in profit in 2023. That is ALL insurance companies combined! In 2022 insurance companies paid out 1.53 Billion in claims. In 2021 they paid out 1.8 Billion. Source: Fortune Magazine, NOT insurance companies. The math doesn’t math dude! You lie!

I discovered that my family committed home insurance fraud against Heritage. Fraud is punishable by jail time folks, so before you hire an "adjuster" to lie for you, think about the huge fines and jail time, not to mention the fact that any insurance company can drop you if they find evidence of fraud. Just stop lying people, and especially adjusters. Get a job that actually helps people in an honest manner. I am sure that my "family" learned how to conduct insurance fraud from coworkers and friends. This hurts all of Florida.

Great video

Mike! I need your help. Been watching your videos these past couple of weeks. So my family left for about a week. When we can back the house was dripping with water everywhere this causing damage to the ceilings and walls. We got a restoration company to come and check what’s going on and the found that the first pipe of the ac unit stopped working and the water went into the emergency drain pan. But due to debris build up the drain pipe started to overflow and pour into the house. Our insurance is trying to deny the claim what do you think about this situation? Could I fight it or should I accept the denial?

Nearly every homeowner's insurance policy includes coverage for sudden and accidental loss, which is exactly what water damage from a running faucet is considered to be. It doesn't matter whether or not it was your own fault or that of a small child playing on his or her own. Is this accurate?

Does insurance cover water damage due to a bath tub accidentally being left on in the upstairs bathroom?

Any mitigation company without an Assignment of Benefits shouldn't be trusted. AOBs are a necessary layer of protection for these companies to make sure that customers don't have legal grounds to run off with money gained as a function of your estimate and work. That in tandem with lien rights are the ONLY protections these contractors have to make sure they get paid. Even then they many times aren't effective enough. AOBs also streamline payment so that financial institutions don't behave as middle managers delaying payment to a degree that sometimes causes liens to be filed. It also prevents a customer's personal financial situation from impacting the payment of insurance money to the contractor. This advice honestly only applies if you are a customer who wants to commit fraud or make profit on your claim. Both of which are unethical.

lol, the mitigation bill is the mitigation bill. I have seen an insurance company take deductible out of mitigation check before. This advice may be slightly too broad. I think the advice is more, "wait until you know who is covered by who and where the deductible is being taken out, before paying your deductible TO ANYONE."

Very useful information sir…..I fell down the stairs when landlord illegally shut off the electricity, I was assaulted with a shovel by his son, and forced out right after major surgery. They didn’t even give me my belongings back, including a motorcycle. American family insurance just offered me 5000 with zero medical records. Seriously now…..

KIN insurance was horrible for me. Premium went from $2400 to $7100 over 3 years. KIN is a virtual black whole. They have no real physical location that you can talk to someone. You just get pasted around on an automated phone system. I can NOT wait to switch

my grandmom left for Florida and had a house in New Jersey while she was living in Florida a pipe burst and caused water damage, she left the problem get bigger and bigger with mold and water damage to the walls also left the house abandoned now she wants her home back and needs to get rid of the mold and do some major work just want to know if it's true that it can cost 150,000 or more it's not a big house she doesn't want to sell her home she has nowhere to live because she's being evicted and she also didn't have insurance it's a mess breaks my heart.

Thank you so much for taking the time to share this useful info. Very helpful!

You want the skinny on how long a lawsuit takes (seeing this guy is beating around the bush and never quite says it), read your attorney-client agreement. "Results not guaranteed" very rarely will the court award attorneys fees and you can expect up to 3-4 years before a settlement is reached. Tack on another year if the attorneys want to take it to court.

Thanks again for your advice, time and videos Mike! I was just given a notice of non-renewal for my homeowners, Again! here in Fort Lauderdale. Back on the hunt for an independent broker again! Any suggestions?

How can I find an independent, public claim adjuster (in Sarasota/Venice area) before I contact the insurance company for damage of an existing roof and approval for a new roof ? Is there a checklist that I can ask the public adjuster to use when inspecting the roof ?

Any recommendations for apublic adjuster in North Central Texas?

I just discovered a leak on the ceiling of my garage that was covered by storage bins that were stacked up high. I noticed a patch of drywall that was soft and discolored. Do i have a leg to stand on?

Thanks for the education. Hoping we avoid hurricane season but taking notes now just incase.

Who really cares about the "Quality of Policy" if the claim payout is low?

Hi!!!! This water damage 10k limit in Citizens covers AC leak and malfunction? If so, clan I file a claim if I already changed the unit?

Hi!!!! This water damage limit covers AC leak and malfunction? If so, clan I file a claim if I already changed the unit?

You don't sound like an Ambulance Chaser at all

Great information I appreciate it I needed this dealing with this right now in Illinois this will be helpful

Is Strike Check a company like what you talk about here?

What u tell them you don't know the date it happen?

We had a lightning strike on our property. It was right near our front gated entrance. After the strike the gates don’t work. The insurance company sent out some guy from Strike Check. He said “well, there is power to it”. Does that mean he’s going to tell my insurance company that it was not lightning damage??what to do if my claim denied for that? I live in Ga btw

We had a lightning strike on our property. It was right near our front gated entrance. After the strike the gates don’t work. The insurance company sent out some guy from Strike Check. He said “well, there is power to it”. Does that mean he’s going to tell my insurance company that it was not lightning damage??what to do if my claim denied for that?

Is this the same with vehicles? I’m on my 3/4 week waiting on a statement from the other driver. Adjuster is not even in my state. He’s in Texas and I am in CA. How long should a minor car accident take before finalizing the claim? I got a ticket for missing my side mirror due to their driver side swiping me. (He’s at fault) Should I just go through my insurance even though I’m not at fault, because they took 2 weeks for a huge claim that totaled my car…. I don’t want to wait forever.

Where is State Farm on here? I still have it on a rental (investment) property in FL.

After paying for homeowner's insurance in FL for 33 years, and never even making a claim, it made sense to go bare,especially after rates went through the roof. But I'm careful to save the premium amount in a CD,so the repair funds will be readily available "just in case".

Just happened to me today on a home insurance claim.

A public adjuster pretending to be a roofing expert is not illegal, but should be. A roofing company doesn’t dispute anything but damage, assuming the roofing companies whole emphasis is restoration of properties be it residential or commercial. The only thing public adjusters provide is an exalted and inflated price for the repairs, thereby ensuring a claim that should take a week to resolves takes a year. This of course assuming the PA doesn’t bring in his attorney , which in that case takes minimum 4 years. Not to mention there is no more funds to restore the property because the attorney has taken 40% and the PA has taken his 10% plus. Give me a break. Don’t be afraid to bring in a roofing company.

What about siding? Vinyl. Storm. ?

Im expecting a Donan phone call any day now. We had a tree fall on my roof.

A million dollars penalty is just pennie’s to Heritage and that money goes to the state, not the victims of their wrong doing. Shame on them!

The gentleman is 100% correct about how to report an insurance claim. Also never say the words "rot" or "mold" when making a claim. If you are filing a claim for wind or hail damage be certain to know the dates that high winds or hail were recorded in your area so that you can have the accurate date of loss when filing. I am a huge fan of public adjusters as they have done more to keep the insurance industry honest than most any other entity. VERY IMPORTANT! 1. Never sign a PA contract that removes you, the insured homeowner as a payee. Make it so the PA can't endorse the insurance proceed check without your approval and signature. Most PA firms will do it this way anyways. 2. Also be certain to negotiate in advance in the contract with the public adjuster on how and if additional fees are handled separately for extraordinary expenses above and beyond the normal costs of doing business, such as expert witness fees and expenses, engineer and inspection fees. If they have to employ special services it is more than likely necessary. Just follow the PA's advice but be certain to know how these services are paid out. 3. Negotiate the PA payment percentage lower as the claim amount gets larger. In my opinion, you should never ever pay more than 20% for a public adjuster or you will risk not having enough money left to actually repair the covered damages. 4. Never pay a public adjuster money upfront and in fact in most states I believe this to be illegal anyways. 5. Your public adjuster should get $0 dollars if he or she doesn't get you an insurance award. Be sure the contract stipulates that. 6. Often it is better to seek help from a public adjuster after you have received the insurance company offer and have already consulted with a reputable contractor. At that point if you and your contractor feel that the insurance company was unfair with their offered claim settlement, simply hire the public adjuster at that time. They can certainly make the difference in receiving a correct and fair payout. 7. Remember, if you choose to hire the PA and sign a contract with them before you see what the insurance company is willing to offer in settlement, you will still be on the hook to pay the public adjuster and forfeit 10% to 20% of your available rebuild money.

My neighbor upstairs renovated their bathroom and they put a overflow drain pipe with holes in them which caused a water leak and damaged my bathroom ceiling and the wall. Who is responsible for the damage in this case? The guy upstairs keep saying it was an accident and he didnt know and it is not his business that my property is damaged. How likely is that his insurance cover my damage and who’s responsible in this case?

Mike, do you know anyone who does your job in California?

Florida public adjusters are some of the lowest class of people around. Pawns of a criminal plaintiff attorney insurance fraud scheme based on laws that are now changed. In several states, public adjusters are completely banned due to the conflict of interest to induce fraud

Do you have a contact number?

I have Heritage. They just denied my claim. I now have a PA. He had similar things to say about Heritage. I hope this goes smoothly.😬

Wow have you opened our eyes brother. Florida sucks basically and maybe you just take your chances? We are still very confused as nationwide dropped us after zero claims in 20 years. Now, we keep getting quote from different insurance writers and they are seem to suck. They make it so confusing to homeowners. We get depressed as hell and loaded with stress everyday trying to pick one. Any suggestions, non flood zone, in Sarasota,