ResReps

10/08/2024

Also, before the storm hits, make sure you guys grab some cash. Expect the power to be out for a few days if not weeks. Credit and debit card payments more than likely won’t be accepted. 

10/08/2024

**Prepare for Hurricane Milton: Document Your Property & Belongings Now!

As Hurricane Milton approaches, it’s essential to protect your home and belongings. One of the most critical steps you can take is to document your property in case of potential damage. Here’s why it’s important:

**Streamline Insurance Claims**: If your home or personal items are damaged by the storm, having a detailed inventory with photos and descriptions will make it easier to file claims and receive compensation.

**Minimize Stress After the Storm**: Knowing you’ve documented your valuables helps provide peace of mind, allowing you to focus on staying safe during the hurricane.

**Protect Your Investment**: Whether it’s furniture, electronics, or family heirlooms, keeping records of what you own ensures you’re fully covered in case of loss.

**What You Can Do Now**:
- Take photos and videos of your home and personal items.
- Record important details (like make, model, and serial numbers).
- Gather receipts, warranties, and appraisals.
- Store all documentation in a safe, waterproof, and easily accessible place—or back it up digitally!

Act now, before Hurricane Milton arrives, and ensure your property is well-documented and protected. Stay safe and prepared!



David Shoeman
P.A.

09/25/2024

🌪️ Hurricane Preparedness Tips! 🌪️

As we brace for incoming storms, here’s how to protect your property and make your insurance claims smoother:

📸 Before the Storm: Document Everything!

Exterior: Take photos of your home, roof, and elevation to capture their condition.
Interior: Photograph each room from different angles, focusing on ceilings to show there are no water stains.
Details Matter: Record serial numbers of important items, if possible.
🎥 Record a Video Walkthrough: Go through your home and open drawers, closets, and the garage. This video will be crucial for your loss report and to ensure you remember all your belongings, especially since flood policies only cover items within the building foundation.

🔒 Safety First: Turn off the breaker, lock up, and remember: material items can be replaced, but you can’t!

🏠 During the Storm: Take Action!

Report Damage ASAP: Call in your claim as soon as possible! The sooner you call, the sooner you’ll get assigned an adjuster. Remember, you can always withdraw the claim later if there’s no damage—no penalties!
🛠️ Post-Impact: The Critical Inspection! The first inspection is key to your claim. Ensure the adjuster is licensed—this is your right! According to State Statute 627.70131 (b), if there’s a physical inspection, it must be done by a licensed adjuster.

👉 If the adjuster sent by the carrier isn’t licensed, send them away. Performing inspections without a license is fraud! Licensed adjusters undergo background checks and continuing education. If you’re unsure, check their credentials at Florida License Search.

⚠️ Your Safety Matters: If you ever feel unsafe with someone claiming to be a licensed adjuster, don’t hesitate to call the police.

Stay safe, stay informed, and let’s weather the storm together! 💪🌊

David Shoeman
Public Adjuster

09/25/2024

During final approach and impact –

- Do not wait, call the claim in ASAP. The sooner you call the sooner you will be assigned an adjuster. You can always withdrawal the claim if you find no damage later, at no penalty.

Post Impact and recovery –

This is THE MOST IMPORTANT TIME of your claim, the first inspection will determine everything. The evidence the adjuster records will solidify your claim, and the first check is the most important. Many carriers are using contractors as inspectors, this is illegal !!!

State Statute 627.70131 (b) –
If such investigation involves a physical inspection of the property, the licensed adjuster assigned by the insurer must provide the policyholder with a printed or electronic document containing his or her name and state adjuster license number. An insurer must conduct any such physical inspection within 30 days after its receipt of the proof-of-loss statements.

When it comes time for your inspection and the carrier sends the adjuster to your house. Make sure they are a licensed adjuster. It is the law, and you have the right to know the name of the inspector, but state law requires the carrier provide you with a licensed adjuster for a physical insurance inspection. If the person sent by the carrier does NOT have a license send them off your property. The act of preforming without a license is fraud. Licensed adjusters are vetted and BCI checks are performed. Licensed adjusters are required to take continuing education and ethics classes. The state web site, https://licenseesearch.fldfs.com/ is here for your protection.

If at any time you feel unsafe with the person pretending to be a licensed adjuster call the police. One reason the law was installed was to protect the public.

During these hard times, ResReps is here for you!! Please reach out with any question, comments or concerns!! We have helped in recovering over 25 million dollars of underpaid/ denied claims!

DON’T LET THE INSURANCE COMPANYS WIN

P.A. David Shoeman
License

09/25/2024

First Step for

-Incoming Hurricane Prep –

- Take pictures of exterior of home, the elevations and roof (from the ground). You are trying to capture the condition and materials.

- Take pictures of the interior of the home, each room overall and ceilings. Overall and overview from each corner is recommended. Also capture ceilings, here you are trying to show that there are no water stains.

- Lastly with pictures try to capture serial numbers of items, if there is a make or model number, record it, you don’t want to be “awarded” a lower value item by the carrier.

​Now we recommend you take video walking around your home, open the drawers, the closets, and make sure you record the garage. Here you are capturing the contents. It’s very difficult to remember everything you had when filling out a loss report. The other reason for this is, should a flood effect your home and the contents of building wash out into lawn, the items will not be covered under the flood policies. Only items inside building foundation are covered.
​
-Turn off the breaker, lock the door and leave. Material items are replaceable; YOU are not.

During these hard times, ResReps is here for you!! Please reach out with any question, comments or concerns!! We have helped in recovering over 25 million dollars of underpaid/ denied claims!

DON’T LET THE INSURANCE COMPANYS WIN

P.A. David Shoeman
License

09/25/2024

First Steps

Incoming Hurricane Prep –

- Take pictures of exterior of home, the elevations and roof (from the ground). You are trying to capture the condition and materials.
- Take pictures of the interior of the home, each room overall and ceilings. Overall and overview from each corner is recommended. Also capture ceilings, here you are trying to show that there are no water stains.
- Lastly with pictures, serial numbers of items, try and record these things if possible.
​Now we recommend you take video walking around your home, open the drawers, the closets, and make sure you record the garage. Here you are capturing the contents, you will not remember everything you had when filling out a loss report. The other reason for this is, should a flood effect your home and the contents of building wash out into lawn, the items will not be covered under the flood policies. Only items inside building foundation are covered.
​Turn off the breaker, lock the door and leave. Material items are replaceable; you are not.

07/31/2023

A veteran member of our local community has recently fell into hard times. Currently they have been displaced from their home. If you can find it in your heart to donate a little help goes a long way.

Please share 🙏🏼

Displaced veterans due house fire caused by FPL will be homeless Saturday. … Tara Rollins needs your support for Displaced family of veterans from house fire

09/08/2022

It’s hurricane season y’all…don’t try to face it without your property being properly secure. Any existing damages need to be addressed and repaired/replaced before it’s too late.

FREE INSPECTIONS
FREE POLICY REVIEW
FREE LEGAL ADVICE

Here to bring a piece of mind in a stressful time.

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The Mark Moses Show is joined by David Shoeman of Res Reps to talk about his great business, how you can contact him for help this fall and how he excited fo...

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