Not sure whether to file a claim for Hurricane Irma damage?
Many of us may decide not to file a claim for damages we suffered from Hurricane Irma. We might think that the damage will be under our hurricane deductible, so why bother? Here's something to consider: The ISO form for personal residential (homeowners, dwelling) states this:
We require that you promptly report any windstorm loss caused by a "hurricane occurrence" that is below the hurricane deductible so that we may consider the amount of such loss when adjusting claims for subsequent "hurricane occurrences" that occur during the calendar year."
In other words, if we have a second or third storm hit us, (See Hurricane Maria), damages from the subsequent storm(s) in the same calendar year will be added to the Hurricane Deductble possibly giving coverage for the subsequent damage. As always contact Cronin Insurance if you have any questions on your policy.
Palm Beach County residents are now eligible for Disaster Aid from FEMA
Through the hard work and persistence of Representative Ted Deutch, Palm Beach County residents are now eligible for Individual Assistance from FEMA. Here's some info on the assistance available.
Individual Assistance from FEMA
Individual Assistance funds are available from FEMA. These funds can be used to cover medical, child care, household items, moving, and clean-up expenses. Learn more
To apply, you will need to provide your Social Security number, financial information, gross household income, address, and insurance information. Apply online or by calling 1-800-621-3362.
|Assistance from the Small Business Administration|
Businesses and residents in Broward and Palm Beach counties are eligible for low-interest federal disaster loans from the Small Business Administration.
|Disaster Unemployment Assistance|
Financial assistance is available to individuals whose employment or self-employment has been lost or interrupted due to Hurricane Irma. This generally includes any worker who, due to Hurricane Irma, no longer has a job or place of work, cannot reach their place of work, or cannot work due to damage to their workplace.
Learn more or file a claim here.
Do you need a Contractor?In the aftermath of Hurricane Irma, many property owners in Florida will need to hire construction contractors to repair/rebuild their structures. The Disaster Contractors Network is an online tool funded by revenue from local building permits that allows contractors and building materials suppliers in Florida to get their name out to property owners needing construction services in the aftermath of storms or other natural disasters. By registering free of charge on the Disaster Contractors Network, contractors and suppliers can advertise to the general public what type of goods and services they offer and connect with property owners needing those services in rebuilding/repairing their property after the storm.
If the services that a contractor provides require a state license (such as roof repairs, plumbing repairs, or electrical repairs/rewiring), the system will not allow an unlicensed contractor to register. However, the system will allow contractors performing work that does not require licensure (such as tree trimming, debris removal, drywall, and painting) to register for those services. Go to www.dcnonline.org to check it out.
Finally, if you have any questions, or if we can help you in any way, please do not hesitate to contact us at 561-479-1898.