Gulfshore Insurance > Gulfshore Blog > Hurricane

As the community works to recover in the aftermath of Hurricane Irma, so does Gulfshore Insurance. We are currently working to restore operations and hope to reopen our offices on Tuesday, September 12th.

Our 24/7 Customer Service phone line remains open at this time. Please call our main line at (239) 261-3646 or (800) 793-5238 for assistance.

If you have experienced a loss as a result of the storm, please be sure to read this important information and take the necessary steps to file your claim. As a reminder, you can report your claim directly to your insurance carrier. Click here to obtain the necessary information.

  • Warning! Don’t Become a Victim of Insurance Fraud!
    An Assignment of Benefits is an agreement that transfers all insurance policy benefits and rights from you, the policyholder, to a third party such a contractor or repair vendor after damage has occurred to your property. An AOB is intended to help expedite the claims process and make things easier for the insured, but oftentimes, and AOB is fraudulently misused for repair vendors to seize control of the claims process with the intention of overcharging and inflating repair costs, often while keeping the insured in the dark. We recommend never signing an AOB and transferring your benefits to a vendor. If you have experienced damage from the Hurricane, please call your insurance company first or contact a member of our team. We are here to help!

 

We are here to serve you, our client. Please advise us if you are having difficulty with your claim so that we will be in a position to assist you. Do not hesitate to get in touch with us about any questions you may have concerning a loss. You can reach us at (239) 261-3646 or (800) 793-5238.

-The Gulfshore Insurance Team

Due to Hurricane Irma, Gulfshore Insurance’s offices will be closed as of Friday, September 8th in preparation for the storm’s arrival. We will reopen as soon as it is safe to do so.

Our 24/7 Customer Service phone line will remain open during the storm. Please call our main line at (239) 261-3646 or (800) 793-5238 for assistance.

Gulfshore Insurance will continue to provide updates to the community via our website, Facebook & Twitter accounts, and through media broadcasts as needed.

Dealing with the Aftermath of the Storm
In the event a loss occurs, you can report your claim directly to your insurance carrier. Visit the link below to obtain the necessary contact information. We recommend you print this list of claims phone numbers to reference in the event you are unable to access this information electronically after the storm has passed.

Report a Claim – Homeowners

Report a Claim – Businesses

Important Information Regarding Your Claim

Damage Assessment & Claims Reporting Reminders

  • Conduct an initial damage assessment
  • Take photos of any damaged property
  • Protect your property from further damage
  • Report your claim via the links above or by contacting Gulfshore Insurance with any questions
  • Maintain all receipts or bills

 

Warning! Don’t Become a Victim of Insurance Fraud! Do NOT Sign an AOB Contract!
An Assignment of Benefits is an agreement that transfers all insurance policy benefits and rights from you, the policyholder, to a third party such a contractor or repair vendor after damage has occurred to your property. An AOB is intended to help expedite the claims process and make things easier for the insured, but oftentimes, and AOB is fraudulently misused for repair vendors to seize control of the claims process with the intention of overcharging and inflating repair costs, often while keeping the insured in the dark. We recommend never signing an AOB and transferring your benefits to a vendor. If you have experienced damage from the Hurricane, please call your insurance company first or contact a member of our team. We are here to help!

 

While forecasts may change, we want to assure you that our Claims Advocates, Client Advisors, and Service Teams are standing by to assist you as needed. You can reach us at (800) 793-5238 or gsi@gulfshoreinsurance.com. Please stay safe if you are in the projected path.

“Call for the generator and kick into business continuity alert mode – a category 5 storm is expected to hit Naples on Thursday.” Word of a Hurricane spread quickly, but did not come from the National Hurricane Center or The Weather Channel. Rather, Gulfshore Insurance announced internally that “a three-day agency-wide disaster preparedness drill designed to simulate a major hurricane in our area” would be held May 24-26.

Life has taught us that practice makes perfect and that it probably is unreasonable to expect everything to be orderly, sane, and fully functioning during or after a disaster. That is why Gulfshore Insurance hosted a multi-day, department-wide, hurricane readiness drill to intensively prepare the agency to deal with the effects of a major storm. The exercise was in preparation for the start of the Atlantic Hurricane season, which began June 1st.

Read more

As your trusted insurance advisors, we would like to remind you during Hurricane Season (June 1 – November 30) that certain requirements apply if you are receiving a premium credit on your Florida or coastal insurance policy for shutters or other opening protection.

Chubb and Citizens Property Insurance Corp. include an “opening protection stipulation” in their policy contract which states if your insurance premium has been reduced for hurricane protection devices that those devices must be closed and secured during a hurricane watch or warning issued by the National Weather Service’s Hurricane Center. Failure to comply with this requirement may result in a reduced loss payment if a claim is submitted for damages due to windstorm or hail during a Hurricane Watch or Warning.

Please feel free to contact us should you have any questions or concerns.

In 2016, five flood-related events exceeded $1 billion in losses each with total flood losses reaching $17 billion or six times greater than overall flood damage in 2015. After borrowing another $1.6 billion from the U.S. Treasury Department to supplement the losses sustained last year, the NFIP now faces expiration in September. The program was last reauthorized in 2012 after a series of lapses and extensions that left policyholders on the fence.

Given the increase in flood losses seen, many feel the NFIP is not sustainable in its current state. There is a push to move more of the flood risk back into the private insurance market, and private sector insurance companies are now coming around to the idea that offering private flood insurance policies would be a strong sector for their balance sheets. Recently, several carriers have launched private flood insurance alternatives to the RCBAP tailored to meet the needs of condo associations located in high-risk flood areas. Read more