Learn what a supplemental insurance claim is, why claims are often underpaid, and how additional funds may still be available after your initial settlement.

Homeowners affected by Hurricane Milton in Florida have until April 9, 2026 to file a supplemental claim. Find out if your insurance claim was underpaid and what steps to take before the deadline.

When riots or civil unrest lead to property damage, most homeowners and business owners are unsure if their insurance will pay. This blog breaks down how insurance companies classify riot-related events, when damage may be covered, and how to protect your rights in the event of widespread chaos. Read before the next unexpected event strikes.

Discover the fascinating history of public adjusting—from its origins in the 1880s to its vital role in today’s complex insurance landscape. Learn how this profession was born to protect policyholders, how it became licensed and regulated, and why modern public adjusters are more essential than ever in securing fair insurance settlements after property damage.

Your insurance claim is officially closed—now what? Many homeowners mistakenly think the process ends with a payout, but important post-claim steps remain. In this comprehensive guide, we break down the 7 essential things you need to do after your claim is finalized: from organizing documents and requesting recoverable depreciation, to reviewing your insurance policy with a public adjuster and considering a supplemental claim. We also explain when supplements are allowed (and when they're not), how to avoid future issues, and why updated documentation matters for future losses. Whether you’ve just completed a small water loss or a major fire claim, this checklist helps you protect your property, streamline any future claims, and stay ahead of insurance company tactics. A must-read for Florida homeowners, realtors, and property managers.

A kitchen fire might seem like a small incident—but the smoke, soot, and chemical damage can affect every room in your home. Learn why fire marshal reports, hygienist testing, and public adjusters are essential after even the smallest blaze.

Most homeowners only learn what their insurance doesn't cover after it's too late. Don’t wait for a denied claim to discover your policy’s weak spots. This guide explains 8 critical policy elements every Florida homeowner should review before disaster strikes—from appraisal clauses to roof replacement cost coverage.

Don’t let insurance policy fine print cost you thousands. Discover 10 surprising facts that can impact your claim—and how VIP Adjusting can help you recover what you’re truly owed.

Florida law now requires insurance companies to respond to your property damage claim within 60 days—not 90. If your claim is sitting in limbo, you may have legal leverage. Learn what the statute says and how VIP Adjusting can help protect your rights.

If your condo suffers damage and the HOA’s insurance won’t pay, you may be left in limbo. This blog explains what’s covered under the master policy vs. your personal policy, and how to recover losses with help from a public adjuster.