William Boyce Cheek Jr.’s Post

Your insurance team at Hilb Group is here to support you. Please stay safe and be prepared. As Hurricane Milton approaches, we have put together a few steps to help if you need to file a claim: 𝗔𝗱𝘃𝗶𝗰𝗲 𝗳𝗼𝗿 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗖𝗹𝗮𝗶𝗺𝘀: • 𝗥𝗲𝘃𝗶𝗲𝘄 𝗬𝗼𝘂𝗿 𝗣𝗼𝗹𝗶𝗰𝘆 𝗜𝗳 𝗙𝗲𝗮𝘀𝗶𝗯𝗹𝗲: If you’re able to do so, it can be helpful to review your coverage. When reviewing, consider deductibles and exclusions related to hurricane damage. • 𝗗𝗼𝗰𝘂𝗺𝗲𝗻𝘁 𝗘𝘃𝗲𝗿𝘆𝘁𝗵𝗶𝗻𝗴: Take photos and videos of your property before and after the storm to document any damage. • 𝗙𝗶𝗹𝗲 𝗖𝗹𝗮𝗶𝗺𝘀 𝗣𝗿𝗼𝗺𝗽𝘁𝗹𝘆: Contact us as soon as possible to file your claim. The sooner you report, the quicker we can assist you. • 𝗞𝗲𝗲𝗽 𝗥𝗲𝗰𝗲𝗶𝗽𝘁𝘀: Save receipts for any temporary repairs or accommodations as these may be reimbursable. • 𝗦𝘁𝗮𝘆 𝗜𝗻𝗳𝗼𝗿𝗺𝗲𝗱: Follow updates from local authorities and heed evacuation orders if issued. We recognize that hurricane season can be incredibly challenging, but please know that you have our support. Should you have any inquiries or require additional help with your insurance policy, claims, or coverage details, feel free to contact us. Meanwhile, stay safe and utilize the local support resources below to assist you in navigating and recovering from the storm. Ready.Gov - https://lnkd.in/g9UmBrh FEMA Assistance- https://lnkd.in/dhi_vbq  Florida State Assistance Information Line - https://lnkd.in/etA4_aF Georgia Emergency Management - https://gema.georgia.gov/

Hurricane Milton: Navigating Insurance Recovery and Business Interruption In the wake of Hurricane Milton, which recently made landfall as a Category 5 storm on Florida’s Gulf Coast, the insurance industry braces for losses estimated at up to $60 billion. This follows closely after Hurricane Helene’s devastation just two weeks earlier, leaving a trail of damage across multiple states. For businesses and property owners impacted by these back-to-back disasters, securing insurance recovery is crucial. Here are key steps to ensure your claims are managed efficiently: 1️⃣ Review all insurance policies: Understand your coverage and identify key deadlines. 2️⃣ Document damage thoroughly: Photos, logs, and receipts will be essential for claims. 3️⃣ Provide immediate notice: Timely communication with insurers is vital. 4️⃣ Engage professional expertise: Forensic accountants and coverage lawyers can be invaluable. Insurers and reinsurers are now adjusting their models and premiums to reflect the rising frequency and severity of these events. As we move forward, expect to see higher rates and tightened terms, as the industry adapts to a changing climate landscape. Stay prepared and take action now to secure your business and assets https://wix.to/0d4CTax #newblogpost, #HurricaneMilton #BusinessInterruption #InsuranceRecovery #ClimateImpact #DisasterRelief #PropertyInsurance #Reinsurance #FloridaStorms #FEMA #BusinessContinuity #HurricaneMilton #BusinessInterruption #InsuranceRecovery

Hurricane Helene is heading towards Florida! Now is the time to take action and prepare your home for the storm. At Murray Law Group, we've handled hundreds of hurricane-related insurance claims, and we want to help you be ready. Here are 3 essential steps to protect your property and streamline the claims process: 1. Document Your Property Thoroughly – Take photos and videos of your home, including the roof, windows, and valuables. Keep receipts for high-value items. 2. Review Your Insurance Policy – Know what’s covered, especially regarding hurricane damage and deductibles. Verify whether you have flood insurance. 3. Protect Your Property – Secure your home with storm shutters, clear loose items from your yard, and brace your garage door to minimize damage. For more details on how to prepare and protect your property, check out our full blog post below. Stay safe and don’t hesitate to reach out if you need assistance with your insurance claims! https://hubs.li/Q02R8lfZ0 #HurricanePrep #HurricaneHelene #InsuranceClaims #MurrayLawGroup #StaySafe

Hurricane Debby’s impact on the insurance industry is estimated at $1.4 billion in privately insured losses, with the majority stemming from wind damage. According to Karen Clark & Company, this figure includes significant costs from wind, storm surge, and inland flooding, but excludes losses covered by the NFIP. https://hubs.la/Q02LzY1X0

Hurricane Ian's storm surge of at least 13.8 feet along Fort Myers Beach is the highest surge ever recorded in Southwest Florida over the past 150 years, and it caused massive flooding damage, washing away entire buildings. Water can be one of the most destructive forces of a hurricane, whether it’s rain entering the home through a hole in the roof, a blown-in front door, or several feet of storm surge flooding it. It is crucial to know if you live in a flood zone and to get flood insurance coverage if you do. It is crucial to document water damage, irrespective of whether you hold a separate flood insurance policy within your homeowner's insurance coverage. This documentation is essential because, in instances where heavy rainfall coincides with strong winds, structural damage to your home can lead to secondary flooding, categorically falling under the umbrella of windstorm damage. The additional threat of storm surges introduces the possibility of flooding that may not be encompassed by your insurance policy. When initiating a hurricane insurance claim, providing comprehensive and detailed descriptions of the damages, accompanied by photographs, can streamline and expedite the intricate and potentially stressful claims process. If you have questions about a hurricane claim, give us a call at ZinnLaw, we excel in hurricane litigation, (239) 418-1529 or go to our website https://zinn.law #SWFLhurricanelitigation, #Floridahurricanelawyer

Hurricane Season is Here—Is Your Boat Ready? 🌪️ Don’t wait until the storm is on the horizon to protect your vessel. Properly securing your boat during hurricane season is not just about avoiding damage—it's also crucial for keeping your insurance coverage intact. Key Tips: Review your insurance policy to ensure adequate coverage Some policies may cover a portion of haul-out expenses for named storms Have a haul-out plan in the event it's advisable. Ensure you can adequately secure your yacht if haul-out is not an option. Full Article: 🔗 https://bit.ly/3X9bYeD #BoatSafety #HurricanePreparedness #YachtInsurance #StormReady #MarineSafety

#Hurricane #Beryl, the earliest #Atlantic hurricane to reach Category 5 intensity, is an important early-season reminder that being prepared before the storm is more important than ever. Hurricanes can impact businesses, communities, and supply chains. Having an #insurance policy with simple coverage terms and quick payouts can significantly accelerate recovery efforts. If your business is exposed to hurricanes, our #parametric hurricane solution STORM pays out when a named windstorm meets or exceeds a certain wind speed at your location, and you incur losses. Learn more here: https://ow.ly/pHUZ50SuWgr

#Hurricane #Beryl, the earliest #Atlantic hurricane to reach Category 5 intensity, is an important early-season reminder that being prepared before the storm is more important than ever. Hurricanes can impact businesses, communities, and supply chains. Having an #insurance policy with simple coverage terms and quick payouts can significantly accelerate recovery efforts. If your business is exposed to hurricanes, our #parametric hurricane solution STORM pays out when a named windstorm meets or exceeds a certain wind speed at your location, and you incur losses. Learn more here: https://ow.ly/mjlL30sEZfy

One week after Hurricane Helene made landfall, having far-reaching catastrophic effects, I am thankful that I made an impact on over 60 families by helping them successfully self-advocate and represent themselves against their insurance carriers. The goal was to expedite the insurance claim process by creating the most comprehensive, up-to-date digital pre-loss file available on the market! and that's exactly what we did. Ai Risk Management Solutions created the first-to-market solution that has now helped countless insurance adjusters waste no time in scoping, measuring, and documenting damages. What is even more important is the fact that we documented all the properties before Hurricane Helene made landfall! This proof and evidence made a significant difference in the recovery. We are giving insurance adjusters a layer of protection from any future changes to their initial reports, similar to what was featured in the 60 MINUTES segment on Hurricane Ian whistleblowers sounding the alarm on carriers altering estimates without their knowledge. We are leveling the playing field, creating transparency, and expediting the insurance claim process so that resources can be allocated effectively and efficiently. I keep everyone affected by this event in my prayers, and I pray that moving forward, God gives me the will, strength, and resolve to continue making a difference for people I have yet to meet. Please be safe and make the right decisions; hope is not a strategy. and hurricane season is far from over

#Hurricane #Beryl, the earliest #Atlantic hurricane to reach Category 5 intensity, is an important early-season reminder that being prepared before the storm is more important than ever. Hurricanes can impact businesses, communities, and supply chains. Having an #insurance policy with simple coverage terms and quick payouts can significantly accelerate recovery efforts. If your business is exposed to hurricanes, our #parametric hurricane solution STORM pays out when a named windstorm meets or exceeds a certain wind speed at your location, and you incur losses. Learn more here: https://ow.ly/s8ph30sELEw