The four hurricanes that devastated much of Florida last year were well covered by the news media, but the storm of controversy that followed has been largely ignored. Thousands of property owners, who learned months later that their insurance carriers had not adequately estimated their damages, are turning to professionals like me for support.

My role is to represent them in their quests to force their insurance companies to cover the real damages from these storms, not just the obvious ones. Judging by the way that my phone has been ringing, dissatisfaction with these carriers is widespread.

There are many and varied reasons why insurance company appraisers provide property owners with "low" damage estimates. It happens all the time with average, everyday losses, but with an event as cataclysmic as a hurricane – or two or three or four – the sins of company appraisers seem to increase exponentially.

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