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You sound like you just try to get old damage

Great video! 👏🏿👏🏿👏🏿👏🏿

HOW DO YOU HIRE YOUR OWN CONTRACTORS WHEN THE INSURANCE COMPANY SAYS ANYONE YOU USE MUST BE APPROVED BY THEM. MY THOUGHTS ARE THAT IF THE INSURANCE APPROVES THEM THEN YOUR CONTRACTORS NOW WORK FOR THE INSURANCE COMPANY.

yeah state farm admitted to interior ceiling damage if 10k but zero roof damage and we have a 8000 sqft cement tile roof, water started pouring in during Milton. Most absurd report I have read and yes we have a public adjuster. Thanks for making this video its absolutely true the absurdness

Thank you so much for this video!

I'm in Ohio and my house has been cracked in half. I'm in search of a lawyer. These Ohio lawyers seem to not want to go against ODOT. At least, I can't find one. 😠😮‍💨

Hey, I'm in Tampa. Lost my roof in Helene then water in the master bathroom from the roof. Spread to bedroom and closet. Insurance vendor came and pulled some laminate and left dehumidifier. I then got mold from cat 3 black water. Killed my HVAC. Now same company was sent back and it'd $23,000. I only have $10,000 in mold coverage. Insurance won't release any money to me until I get the mold done. How is the best way to find a good public adjuster?

Hello, I am trying to contact you. Thank you for helping me. I won my case in small claims court, and your assistance was truly exceptional. Now, the insurance company of the homeowner I sued is trying to enforce the judge's decision. I am confused - why is the insurance company contacting me now that I have already won my case? I left you phone messages.

Any one in FL have manatee home ins.

Need help in nevada ! Water damage, aaa insurance won’t pay for plumbing related issues. Help whole kitchen can be involved

What if the work was completed 100% when check received?

A good adjuster/carrier will look for coverage, regardless of the loss date presented. Can always change it to reflect the damages observed. Of course there are nuances and one can only go back so far depending on local jurisdiction.

American Family Insurance Co. Team Freimuth in Montello Wisconsin Franchised Sales agent. Shannon Freimuth practices inattentive driving Chrysler on her cell phone does it know the speed limit doesn't know if there's a car in the lane beside her collides with a park car calls in a false police report 911 "a gentleman hit me" officer arrives to investigate she lies to the police officer obstructing justice to favor her story. He believe her off her originally false claim. States false information about a estimate from a tow company that doesn't do body work. Her parent company American Family Insurance in Madison Wisconsin sends the accused a letter blaming him without even getting his statements they send people to collection agencies even if they don't know American family is trying to steal money from them with fraudulent deceptive business practices. Instead of sending out a invoice and negotiating a payment plan. They send their false claim directly to a ruthless collection agency in Normal Illinois Wilbur and Associates which has so many complaints with the Better Business Bureau they had to open up a new division just for their ruthless harassing attempt to collect money for their corporate greed of the executives of American Family Insurance a minor scratch in a vehicle bumper originally started at 2800 which they were ready to settle for $2,000. Then the corporate CEO of American Family Insurance needed to steal more money from a disabled homeless man. So they filed a civil lawsuit suspending his license for 5 years! They file a civil lawsuit and fail to serve the the defendant by using the outdated laws that their lobbyists created with the Wisconsin government allowing them to follow their policies before even notifying their claim against a defendant with the correct amount of what they determine is fair. The $2,000 offer settlement 13,000 4A scratch bumper! The homeless man is freezing to death on the side of the road because he's out of gas he can't drive to a gas station because of Wisconsin law he would be arrested his homie lives in his minivan will be sold at auction his service dog will be impounded so they terrorize a disabled homeless man living in his minivan without any heat through the extreme cold in Wisconsin they hold him hostage in prison him to suffer not to be able to get food water for himself and his service dog he needs medical treatment he can't see because of American Family Insurance terrorizes in prison and punish a innocent man to get illegally claimed money to increase their revenue from 24.1 billion to 24.2 billion I believe they're striving for 25 billion by denying claims because the law requires you to get insurance but the law doesn't require an insurance company to pay a claim! They own the judges in the circuit civil courts so they rule in their favor when they work the system through the back door of their legal loophole they created through lobbyists in Madison Wisconsin influence lawmakers with gifts and extraordinary trips dinners and and praise if a person was not on a cell phone wouldn't they just be more than happy to show their phone records for the time slot that they hit someone else's vehicle! Shannon screams and yells when inquired about her phone records and says you can have my phone records that is against the law that is against the law in a Department of Transportation financial responsibility hearing she had to be shut down by the examiner because she was out of order but she was adamant about Nobody seeing her cell phone records so it could be proved that she was driving with her cell phone which is a crime in Wisconsin for inattentive driving then she committed insurance fraud by inflating her Claim by going to a Chevy dealer with a Honda vehicle so so they can't read the Black Box in course she commits perjury which is a felony to win her case to give American Family Insurance more money through a fraudulent insurance claim being a veteran claim specialist so she states she doesn't even know what the other vehicle and Driver were doing when she was on her cell phone and attentive driving and collided with the other vehicle that was parked their attorneys file civil lawsuits without notifying the defendant that they even want to steal their money make them suffer unable to drive to their employer to make money to possibly pay for their Damage Done to their car and allowing them to create Financial disparity by making them late for their credit payments their house payments because they can't afford to live anymore cuz American Family Insurance wants to steal their money illegally but they get away with it because they own Wisconsin government they pay Wisconsin 36000 a minute and tax revenue Authority 24.1 billion dollars of Revenue they buy the naming rights of a sports Stadium for 4 million for 20 years so they can deny more insurance claims and get away with it and use the stadium name is a tax deduction to decrease their tax liability to the government their money they're influence owns Wisconsin government judges police force postmasters body shops towing companies they want to make you suffer if you owe them or they think you owe them any bit of money they will jig you up after they kill you because you start to get death or freeze in the extreme winner of Wisconsin because you can't drive and get yourself feel to turn your heat on in your vehicle to keep yourself from freezing to death with your service dog they make a human being suffer and exterminate their life for 13000 on man's life is worth 13,000 to American Family Insurance they use the collection seat collection agency out of state so it doesn't go against their complaints against American Family Insurance that's why they're statistics say that they are one of the better company when it comes to complaints about claims denial after disable homeless man freezes and loses his life they will assume his body from his the grave that he was to rest in peace to pick out the silver fillings out of his teeth because they want more money more profit so their CEO can continue buying his 28.00 cup of coffee while driving Lamborghini one of his many vehicles that were bought for him by the people that he supports with their insurance fraud and their tax revenue they pay Wisconsin's government. They pay heavy Wisconsin government employees their salary plus bonuses and French benefits all from American Family Insurance the fraudulent deceptive Insurance Company why would you take a Honda vehicle to a Chevy dealer to get repaired why because Shannon Fremont knows that they cannot read the Black Box in her vehicle which would prove she was at fault in American Family pays off the Chevy dealer to look the other way in overcharged for parts and add extra repairs because they are a licensed franchise sales agent for on American Family Insurance the company that will take your house make your children starve and make you endure extreme disparity and pain if you are a policy holder with American Family Insurance you might consider shopping around for a reputable insurance company that will not deny your claim and kill you if you owe them money Revenue don't even think about Allstate you are not in good hands with Allstate either. The only hands you see from Allstate is to grab your money deny your claims increase their profit and name a sports Stadium after their corporation that ensures all the players at an extreme rate they own the government proof is in the pudding I did a video before entering a courthouse where I was being sued by American Family Insurance and I said to myself today we are going to validate American Family Insurance owns Wisconsin government judges and police force and the postmasters that deliver your mail and send out your bills so you can be late on your credit payments endure late charges and destroy your credit rating just because American Family Insurance wants more Revenue needs more money the CEO wants to buy a $30 cup of coffee every morning now so you have to pay for his coffee you have to pay for his Lamborghini and when you want your money that you paid your policy your claim money you will be denied and they will be waiting to harm you and your family they need to increase their revenue money is worth more than human life to American Family Insurance one of the most fraudulent deceptive insurance companies in the United States of America States please if you care about your family and your well-being boycott American Family Insurance tell everybody what they do to cause pain disparity and financial hardship for anyone that passes their path and disagrees with their decisions that they need to increase their revenue and every year it needs to be more more more more more more more more more more money more money more money we want your money we will kill you we will torture you until we get our money we have a staff of hundreds of lawyers that will go to court and deceive the judge by providing incorrect information to persuade the judge rule in their favor with no hearing because judgment was already rendered with you not even being aware of it I have videos of all these crimes fraudulent deceptive business practices by American Family Insurance get informed protect your family your livelihood by changing insurance companies that you think will protect you when you need it pay out your claims when you submit them😮

I would like to know if there side kick backs like they give me what they want and the check they recieve from the other insurance company for my vehicle damage do they then keep the DIFFERENCE by giving the lowest amount.. and then the deductible you request that's what they pay after the deductible and they keep it no matter if it's the other other insurers fault.. thats for what? For them doing the work for me then... the next question is hey If i can go after that insurance to save a $2500 deductible would that be the BETTER WAY.. or should I allow my insurance company to get it for me.. I feel like there's to many side business even for a vehicle claim it's so sad you pay them for years and you become a loyal customer to them and they don't care about us.. even if the money isn't coming from them MEANING IT COMING FROM ANOTHER INSURER THEY DONT CARE.. ITS ABOUT GIVING YOU THE LEAST AMD KEEPING THE DIFFERENCE

Well this was a waste of time!

I wonder if this guy uses the same tips when he goes to the doctor. That protology exam will get really weird when you pull out the phone to record.

I was going to use a public adjuster. My claim was probably going to be a few thousand dollars, somewhere between $15K-$40K. The public adjuster says they would charge me 30% of the total claim, which I figured would be $3000 on the lower end. My deductible was $1000, and there was no guarantee, per adjuster, that I would win my claim. That was so disheartening. A short time later I received a letter from my insurance company denying my claim. Is that normal that they would still charge me, that high a charge, if the claim is denied? Thanks.

Great information. I wish I talked to you before my slab leak. They denied the claim entirely. That was back in October of 2022. 😢

Your a Biden boy?

Anyone know if there is a Source like this in Texas?

Thank you very much for your advice. We really need to protect more ourselves. In the past 2/3 years my insurance almost quadruple. I am thinking canceling it.

!!!THE WORST INSURANCE COMPANY IN FLORIDA!!!!!!!

Thanks for the video, very informative. I live in Hillsborough county (Brandon) and had water intrusion during Milton. What I'm trying to find out is can I repair the house yet or not? Also, whom would I contact to find out if our house/damage falls under the 50/50 rule? Called FEMA after being on hold forever and they said to check with my local county. I'll be calling them tomorrow trying to get some answers Been almost 2 months since Milton hit, wanting to get the repairs done and back to normal. Thanks

Interesting... The public adjusters I have interracted with in my job have "Fluffed" their estimate rediculously and can take a year or more to settle the claim and get the rebuild done.

When my father died he left his house to me and my siblings. We have to put house up for sale. We actually have a buyer from South Carolina two weeks when put on the market. Her loan was approved she brought new flooring to put in house . Now because she has a claim with an insurance company in South Carolina she has been denied insurance in Florida. How is that possible!

I love this guy 💪🏾🙏🏾🥶

What about Monarch?

Hi we had a water leak behind in the drywall!! And the water damage our living room flooring and kitchen cupboard also our tiles, and kitchen flooring is damage isn't our condo corporation responsible to fix our unit!! Because its not our fault.

If you use a public adj they take a percentage after they inflated the estimate. You failed to mention that.

Being a homeowner is soooooo freaking expensive 😢

Very informative. Does anyone know a resource like this for the state of Indiana?

Good Job Mike This is Me Marcus from Boston , Massachusetts , Very good explanation 👏 👍 👌

This is so informative. What a great service you are doing for people. I keep putting off my roof damage bc I'm afraid I'm gonna get screwed. This helped

Thank you

An insurance company invoked their right to repair when with what ended up to be a $0 claim. So if the homeowner has to pay for the repair, why should the insurance company invoke the right to repair? Thank you in advance

Just got dropped after 35 Years in Florida Who do you recommend Now for a Home over 20 years old?

After doing pu injection grouting to the basement wall to upper and down part how to rectify it and find the source of the leakage?

I already had an adjuster come out and emailed an itemized estimate (already approved by insurance), I think it's a lowball offer. What should be my next step in making sure I get a more "real estimate" with the insurance approving it? Also, what happens if you receive the insurance funds( haven't yet) and the amount is not enough to cover the damage? Is a contractor's estimate able to get the insurance to pay out more?

Can you get homeowners insurance to purchase a property that has a roof that is over 10 years old?

Just baught house been here a month notice 4 wet spots in are room and wet moisture on the inside of our windows. Had a person come and said we need a new roof but when we had the inspection done before moving in the inspector said the roof was good. What direction should I go in now ? I know the chimney crown and flashing needs work I’m in Milwaukee

What about Forty Insurance Associates out of Orlando?

THANK YOU SIR , YOUR SUGGESTION AND EXCELLENT INFORMATION!

Independent adjuster here, and I appreciate what you have to say ;) During my process, I've learned a lot about public adjusters, and let’s just say I'm not too fond of them. They often come across as sketchy and aren’t always focused on doing right by the insured. I hate not being able to fully help someone, but I love that I can do my best for them within my role. I stay within the legal lines, striving to do right by both the insured and the insurance company-it makes my job a lot easier. It’s reassuring to know there are still people out there with genuine heart.

So I just had a pipe burst while on assignment with the military and a pipe burst gushing so much water the city turned it off. By the time I got home the water was gone but the water bill was wiring for me which was $3000 which means approximately 30,000 gallons of water filled my house. I couldn’t stop myself from saying that to the inspector because it’s so ridiculous! Ps. They want to replace the carpet and call it done. Ridiculous.

Little off topic,got renter's insurance,but own home. Not in r name. Because Helena was a hurricane are deductible went from $500 to 5 percent of are maximum payout? Is this even legal?

Mike assisted me after Hurricane Ian. He fought for me, and I ended up receiving seven times the amount my insurance company tried to give me.

Excellent advice!

Who should fill out flood damage proof of loss forms

Did people know that if a vandal goes around and burns done some homes, you are covered under a home ownership policy, but, if the vandal claims or is shown to have done it to scare people that have a particular politician sign in their yard, it is domestic terrorism, which isn’t covered.

Thanks Mike for educating me in the new “ screw the policyholder” changes in FL! DeSantis and Petronis are in the pockets of the insurance industry in FL and I do not see the policyholder as ever getting what they need without a fight! Just keep paying them the premiums and maybe you might get coverage!😮