Hurricane Claims Exposed Insurance Secrets 1

Keith Kravitz, an insurance adjuster who's handled 14,000+ claims reveals the words that can sink your payout — and the Florida law that stops your insurer from canceling you after a storm.

▶️ FREE HURRICANE PREP TOOLS (my own apps — promo codes give free access):
1. K.I.S.S. – Keep Insurance Super Simple
Promo code: USAFREE
👉 https://usadamageclaims.com/

2. My Property Vault – AI Home Inventory
👉 https://app.mypropertyvault.com/auth?next=%2Fbilling
Create your free account, then enter code FREEVAULT at the
upgrade step for 1 full year of Premium AI inventory free + hosting.

📌 IN THIS EPISODE:
• The myths that scare homeowners out of filing — and why you should file anyway
• How Florida law protects you from post-storm cancellation
• The truth about rate hikes (and the upgrades that lower them)
• How to document damage the right way, immediately
• Why insisting on a field adjuster gets you a fairer settlement
• Negotiation tactics — and when to bring in experts
• The hidden danger of assignment-of-benefits contracts
• Flood coverage pitfalls almost nobody catches

⏱️ TIMESTAMPS:
00:00 - Why most homeowners are misled about their coverage
00:29 - Free tools to understand your policy & document property
00:56 - Why filing is essential, even if you fear higher rates
03:18 - Florida law: claims can't be canceled until repairs are done
03:48 - Rate increases & how upgrades reduce future costs
04:18 - Deductibles and how they're subtracted from your payout
04:46 - First post-storm steps: call your insurer, report facts only
05:16 - Why avoiding "flood" or "mold" can protect your claim
05:45 - Insisting on a field inspector for damage assessment
06:12 - Document everything: photos, videos, receipts
06:39 - Keep every receipt, including temporary housing
07:08 - Progress photos during repairs prove ongoing damage
07:35 - Getting accurate estimates from contractors & experts
08:05 - Never accept the first settlement offer
08:35 - Why licensed professionals matter in assessments
09:03 - Dangers of unscrupulous contractors & AOB issues
09:31 - Never sign releases until repairs and funds are secured
10:00 - Filing supplemental claims within three years
10:30 - Final advice: document, challenge lowballs, don't settle early
11:29 - Coming up: flood coverage homeowners overlook

📚 RESOURCES & LINKS:
Hurricane Proof (book): https://www.amazon.com/HURRICANE-PROOF-INSIDER-INSURANCE-ADJUSTER-ebook/dp/B0FMBP31HD#
K.I.S.S. Policy Reviewer App: 👉 https://usadamageclaims.com/
My Property Vault: https://mypropertyvault.com/

🔗 CONNECT WITH KEITH KRAVITZ:
LinkedIn: https://www.linkedin.com/in/keith-kravitz-1203b2186
X / Twitter: @Keith_MPVault

▶️ NEXT EPISODE — Flood Coverage Exposed: What's Covered and What's Not https://youtu.be/SdM829HAZP8https://youtu.be/SdM829HAZP8

Видео Hurricane Claims Exposed Insurance Secrets 1 канала Insurance Secrets