BAY COUNTY, Fla. (WJHG/WECP) - Eleven months after Hurricane Michael, there are still ongoing differences with insurance companies. It's been a process that's taken more time than anyone ever expected.
Eleven months after Hurricane Michael, there are still ongoing differences with insurance companies. (MGN)
"People who have a lot of damage, but not a total loss, the term is people who have a constructive total loss. Those are the ones who are really in the fight," Noble Public Adjusting Group Location Manager Chris Davis said.
These are folks whose home isn't liveable but it's still standing, and that's how the insurance company has the grounds to create a lot of dispute.
"It really boils down to, 'Oh, we're doing an investigation.' And then once they've sent out the experts, it's, 'Well, we are evaluating coverages.' Each step in the process can get drug out for a long time," said Davis.
This includes mold testing and moisture mapping; anything an expert can use to prove to companies they need more money. However, each step can take weeks at a time, and when they do come to a resolution, it's often not enough.
"To see these payments of $20,000, $30,000, and $40,000 dollars on $200,00, $300,000, and $400,000 losses was not uncommon at all," said Davis.
Then the process starts all over again. More inspections and more time, making a vicious cycle.
"It's indefensible. You could never come to a $500,000 loss and a reasonable person arrive that the insurance company owes them $20,000," said Davis.
However, there may be a light at the end of the tunnel. Davis believes in a month or two from now, we should see a different story.
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