<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/strict.dtd">  

<html>
<head>
    
    

    <title>Insurance Matters - Post Irma and Post Harvey</title>

    <meta http-equiv="Content-Language" content="en_US" />
    <meta name="description" content="Remember that if you don&#39;t file a claim and do things to facilitate its successful conclusion (in your favor), the answer will always be &quot;denied.&quot;" />
    <meta name="keywords" content="weather experts, flooding experts, lightning experts" />
    <link href="/Content/Site.css" rel="stylesheet" type="text/css" />
    <link href="/Content/jquery.treeview.css" rel="stylesheet" type="text/css" />    
    <script src="/Scripts/jquery-1.4.4.min.js" type="text/javascript"></script>
    
    
    <script src="//ajax.googleapis.com/ajax/libs/jqueryui/1.8/jquery-ui.min.js"></script>    
    <script src="/scripts/jquery-ui-1.8.10.custom.min.js" type="text/javascript"></script>   
    <script src="/scripts/jquery.cookie.js" type="text/javascript"></script>    
    <script src="/scripts/jquery.treeview.js" type="text/javascript"></script>
    <script src="/scripts/jquery.timers.js" type="text/javascript"></script>
    <script src="/scripts/jquery.aautoscroll.js" type="text/javascript"></script>

    

<!-- Facebook Pixel Code -->
<script>
  !function(f,b,e,v,n,t,s)
  {if(f.fbq)return;n=f.fbq=function(){n.callMethod?
  n.callMethod.apply(n,arguments):n.queue.push(arguments)};
  if(!f._fbq)f._fbq=n;n.push=n;n.loaded=!0;n.version='2.0';
  n.queue=[];t=b.createElement(e);t.async=!0;
  t.src=v;s=b.getElementsByTagName(e)[0];
  s.parentNode.insertBefore(t,s)}(window, document,'script',
  'https://connect.facebook.net/en_US/fbevents.js');
  fbq('init', '351497335311498');
  fbq('track', 'PageView');
</script>
<noscript><img height="1" width="1" style="display:none"
  src="https://www.facebook.com/tr?id=351497335311498&ev=PageView&noscript=1"
/></noscript>
<!-- End Facebook Pixel Code -->


<!-- Start Alexa Certify Javascript -->
<script type="text/javascript">
_atrk_opts = { atrk_acct:"nP2Ij1acJf002+", domain:"experts.com",dynamic: true};
(function() { var as = document.createElement('script'); as.type = 'text/javascript'; as.async = true; as.src = "https://d31qbv1cthcecs.cloudfront.net/atrk.js"; var s = document.getElementsByTagName('script')[0];s.parentNode.insertBefore(as, s); })();
</script>
<noscript><img src="https://d5nxst8fruw4z.cloudfront.net/atrk.gif?account=nP2Ij1acJf002+" style="display:none" height="1" width="1" alt="" /></noscript>
<!-- End Alexa Certify Javascript -->  


<!-- Google Analytics Tag --> 
<script type="text/javascript">    var gaJsHost = (("https:" == document.location.protocol) ? "https://ssl." : "http://www."); document.write(unescape("%3Cscript src='" + gaJsHost + "google-analytics.com/ga.js' type='text/javascript'%3E%3C/script%3E")); </script> 
<script type="text/javascript">
    var _gaq = _gaq || [];
    _gaq.push(['_setAccount', 'UA-251319-1']);
    _gaq.push(['_setDomainName', 'experts.com']);
    _gaq.push(['_setAllowLinker', true]);
    _gaq.push(['_trackPageview']);

    (function () {
        var ga = document.createElement('script'); ga.type = 'text/javascript'; ga.async = true;
        ga.src = ('https:' == document.location.protocol ? 'https://ssl' : 'http://www') + '.google-analytics.com/ga.js';
        var s = document.getElementsByTagName('script')[0]; s.parentNode.insertBefore(ga, s);
    })();
</script>
<!-- End Google Analytic Tag --> 
<!-- Quantcast Tag -->

<!-- End Quantcast tag -->

<!-- ACT-ON Tracking Code -->
    <script>/*<![CDATA[*/(function(w,a,b,d,s){w[a]=w[a]||{};w[a][b]=w[a][b]||{q:[],track:function(r,e,t){this.q.push({r:r,e:e,t:t||+new Date});}};var e=d.createElement(s);var f=d.getElementsByTagName(s)[0];e.async=1;e.src='//marketing.experts.com/cdnr/79/acton/bn/tracker/13644';f.parentNode.insertBefore(e,f);})(window,'ActOn','Beacon',document,'script');ActOn.Beacon.track();/*]]>*/</script>
<!-- End of ACT-ON Tracking Code -->

    <meta name="google-translate-customization" content="3703a84b80541d16-bd92e826f57f6d47-g3488796527c6c2ce-f" />
    </head>
<body class="header" >





<div class="content-column-top">
        <div class="topAd"><a href="/Advertise/BannerClick?bannerid=19" target="_blank"><img class="adImg" src="/Content/images/banners/rapperport_banner_main.gif" border="0" alt="banner ad" /></a></div>
</div>



<div class="content-column header_banner content_front">
	<a href="/" class="logo">Expert Witnesses & Consultants</a> 
	<div class="top_buttons"><div class="logins">
    <a class="logins_title button_login" href="/session/signin">login</a>
    <a class="logins_title button_join" href="/JoinNow">join</a>
</div>

		<div class="icons">
            <!--<a href="http://itunes.apple.com/us/app/experts-and-consultants/id360227641?mt=8" target="_blank"><span class="icon_iphoneApp"></span></a>-->
	        <a href="https://www.youtube.com/c/ExpertsCom-Expert-Witnesses-Consultants" target="_blank"><span class="icon_youtube"></span></a>
            <a href="http://www.facebook.com/Expertscom" target="_blank"><span class="icon_fb"></span></a>
            <a href="http://www.linkedin.com/groups/Expertscom-Expert-Witnesses-Consultants-815767" target="_blank"><span class="icon_linkedin"></span></a>
            <a href="http://twitter.com/experts_com" target="_blank"><span class="icon_twitter"></span></a>
			<a href="https://plus.google.com/+ExpertsCom-Expert-Witnesses-Consultants/posts" target="_blank"><span class="icon_google"></span></a>

            
            <a href="/RssFeed/RssFeed" target="_blank"><span class="icon_rssfeed"/></a>
            


            
        </div>
	</div>
    

</div>
    

        <!-- these are the grey buttons; no subsite specified -->
    <div class="nav">
        <div class="content-column">
            <div class="dropdown_list_wrapper dropdown_list_home">
                <a class="nav_global" href="/">home</a>
                <ul class="dropdown_list">
                    <li><a href="/Expert-Witnesses" class="dropdown_list_item">Expert Witnesses</a></li>
                    <li><a href="/Consultants" class="dropdown_list_item">Consultants</a></li>
                    <li><a href="/Expert-Answers" class="dropdown_list_item">Expert Answers</a></li>
                </ul>
            </div>
            <div class="dropdown_list_wrapper dropdown_list_categories">
                <a class="nav_global" href="#">categories</a>
                <ul class="dropdown_list">
                    <li>
                        <a href="/Expert-Witnesses/Categories" class="dropdown_list_item">
                            Expert Witnesses Categories
                        </a>
                    </li>
                    <li>
                        <a href="/Consultants/Categories" class="dropdown_list_item">
                            Consultants Categories
                        </a>
                    </li>
                </ul>
            </div>
            <div class="dropdown_list_wrapper dropdown_list_search">
                <a class="nav_global" href="#">search</a>
                <ul class="dropdown_list">
                    <li>
                        <a href="/Expert-Witnesses/Search" class="dropdown_list_item">
                            Search Expert Witnesses
                        </a>
                    </li>
                    <li>
                        <a href="/Consultants/Search" class="dropdown_list_item">
                            Search Expert Consultants
                        </a>
                    </li>
                </ul>
            </div>
            <div class="dropdown_list_wrapper dropdown_list_articles">
                <a class="nav_global" href="/Articles/All/Popular">
                    articles
                </a>
                

   

<ul class="dropdown_list">
<li>

            <div><a href="/Articles/Category/Accident-Prevention-Safety?sort=Popular" class="dropdown_list_item">
                Accident Prevention &amp; Safety</a>
            </div>
                <div><a href="/Articles/Category/Industrial-Equipment?sort=Popular" class="dropdown_list_item">
                    Industrial Equipment</a>
                </div>
                    <br />
            <div><a href="/Articles/Category/Accounting?sort=Popular" class="dropdown_list_item">
                Accounting</a>
            </div>
                <div><a href="/Articles/Category/Intellectual-Property?sort=Popular" class="dropdown_list_item">
                    Intellectual Property</a>
                </div>
                    <br />
            <div><a href="/Articles/Category/Alternative-Dispute-Resolution-(ADR)?sort=Popular" class="dropdown_list_item">
                Alternative Dispute Resolution (ADR)</a>
            </div>
                <div><a href="/Articles/Category/Jails-Prisons-Correctional-Facilities?sort=Popular" class="dropdown_list_item">
                    Jails - Prisons - Correctional Facilities</a>
                </div>
                    <br />
            <div><a href="/Articles/Category/Amusement-Parks?sort=Popular" class="dropdown_list_item">
                Amusement Parks</a>
            </div>
                <div><a href="/Articles/Category/Linguistics?sort=Popular" class="dropdown_list_item">
                    Linguistics</a>
                </div>
                    <br />
            <div><a href="/Articles/Category/Attorney-Fees?sort=Popular" class="dropdown_list_item">
                Attorney Fees</a>
            </div>
                <div><a href="/Articles/Category/Lubricants?sort=Popular" class="dropdown_list_item">
                    Lubricants</a>
                </div>
                    <br />
            <div><a href="/Articles/Category/Audio-Forensics?sort=Popular" class="dropdown_list_item">
                Audio Forensics</a>
            </div>
                <div><a href="/Articles/Category/Manufacturing?sort=Popular" class="dropdown_list_item">
                    Manufacturing</a>
                </div>
                    <br />
            <div><a href="/Articles/Category/Branding-Brand-Management?sort=Popular" class="dropdown_list_item">
                Branding - Brand Management</a>
            </div>
                <div><a href="/Articles/Category/Medical-Physics?sort=Popular" class="dropdown_list_item">
                    Medical Physics</a>
                </div>
                    <br />
            <div><a href="/Articles/Category/Business-Development?sort=Popular" class="dropdown_list_item">
                Business Development</a>
            </div>
                <div><a href="/Articles/Category/Metals-Plastics?sort=Popular" class="dropdown_list_item">
                    Metals &amp; Plastics</a>
                </div>
                    <br />
            <div><a href="/Articles/Category/Business-Intelligence?sort=Popular" class="dropdown_list_item">
                Business Intelligence</a>
            </div>
                <div><a href="/Articles/Category/Mining?sort=Popular" class="dropdown_list_item">
                    Mining</a>
                </div>
                    <br />
            <div><a href="/Articles/Category/Commercial-Diving?sort=Popular" class="dropdown_list_item">
                Commercial Diving</a>
            </div>
                <div><a href="/Articles/Category/Nursing?sort=Popular" class="dropdown_list_item">
                    Nursing</a>
                </div>
                    <br />
            <div><a href="/Articles/Category/Common-Interest-Developments?sort=Popular" class="dropdown_list_item">
                Common Interest Development</a>
            </div>
                <div><a href="/Articles/Category/Optometry?sort=Popular" class="dropdown_list_item">
                    Optometry</a>
                </div>
                    <br />
            <div><a href="/Articles/Category/Computer-Forensics?sort=Popular" class="dropdown_list_item">
                Computer Forensics</a>
            </div>
                <div><a href="/Articles/Category/Pharmacy-Pharmacology?sort=Popular" class="dropdown_list_item">
                    Pharmacy &amp; Pharmacology</a>
                </div>
                    <br />
            <div><a href="/Articles/Category/Cosmetology-Hair-Makeup?sort=Popular" class="dropdown_list_item">
                Cosmetology: Hair / Makeup</a>
            </div>
                <div><a href="/Articles/Category/Police-Practices-Procedures?sort=Popular" class="dropdown_list_item">
                    Police Practices &amp; Procedures</a>
                </div>
                    <br />
            <div><a href="/Articles/Category/Criminology?sort=Popular" class="dropdown_list_item">
                Criminology</a>
            </div>
                <div><a href="/Articles/Category/Pools-and-Spas?sort=Popular" class="dropdown_list_item">
                    Pools and Spas (Recreational)</a>
                </div>
                    <br />
            <div><a href="/Articles/Category/Crisis-Management?sort=Popular" class="dropdown_list_item">
                Crisis Management</a>
            </div>
                <div><a href="/Articles/Category/Professional-Malpractice?sort=Popular" class="dropdown_list_item">
                    Professional Malpractice</a>
                </div>
                    <br />
            <div><a href="/Articles/Category/EMS-Emergency-Medical-Services?sort=Popular" class="dropdown_list_item">
                Emergency Medical Services (EMS)</a>
            </div>
                <div><a href="/Articles/Category/Research-Methodology?sort=Popular" class="dropdown_list_item">
                    Research Methodology</a>
                </div>
                    <br />
            <div><a href="/Articles/Category/Energy-Utilities?sort=Popular" class="dropdown_list_item">
                Energy - Utilities</a>
            </div>
                <div><a href="/Articles/Category/Social-Media?sort=Popular" class="dropdown_list_item">
                    Social Media</a>
                </div>
                    <br />
            <div><a href="/Articles/Category/Engineering?sort=Popular" class="dropdown_list_item">
                Engineering</a>
            </div>
                <div><a href="/Articles/Category/Social-Psychology?sort=Popular" class="dropdown_list_item">
                    Social Psychology</a>
                </div>
                    <br />
            <div><a href="/Articles/Category/Ergonomics?sort=Popular" class="dropdown_list_item">
                Ergonomics</a>
            </div>
                <div><a href="/Articles/Category/Technology?sort=Popular" class="dropdown_list_item">
                    Technology</a>
                </div>
                    <br />
            <div><a href="/Articles/Category/Forensic-Analysis?sort=Popular" class="dropdown_list_item">
                Forensic Analysis</a>
            </div>
                <div><a href="/Articles/Category/Telecommunication?sort=Popular" class="dropdown_list_item">
                    Telecommunication</a>
                </div>
                    <br />
            <div><a href="/Articles/Category/Foster-Care-Foster-Homes?sort=Popular" class="dropdown_list_item">
                Foster Care / Foster Home</a>
            </div>
                <div><a href="/Articles/Category/Terrorism-Homeland-Security?sort=Popular" class="dropdown_list_item">
                    Terrorism - Homeland Security</a>
                </div>
                    <br />
            <div><a href="/Articles/Category/Franchising?sort=Popular" class="dropdown_list_item">
                Franchising</a>
            </div>
                <div><a href="/Articles/Category/Transportation?sort=Popular" class="dropdown_list_item">
                    Transportation</a>
                </div>
                    <br />
            <div><a href="/Articles/Category/Hazardous-Materials?sort=Popular" class="dropdown_list_item">
                Hazardous Materials</a>
            </div>
                <div><a href="/Articles/Category/Travel-Leisure?sort=Popular" class="dropdown_list_item">
                    Travel &amp; Leisure</a>
                </div>
                    <br />
            <div><a href="/Articles/Category/Human-Resources?sort=Popular" class="dropdown_list_item">
                Human Resources</a>
            </div>
                <div><a href="/Articles/Category/Warnings-Labels?sort=Popular" class="dropdown_list_item">
                    Warnings &amp; Labels</a>
                </div>
                    <br />
            <div><a href="/Articles/Category/HVAC-Heating-Ventilation-Air-Conditioning?sort=Popular" class="dropdown_list_item">
                HVAC - Heating, Ventilation, Air Conditioning</a>
            </div>
                <div><a href="/Articles/Category/Wilderness-Emergency-Medicine?sort=Popular" class="dropdown_list_item">
                    Wilderness Emergency Medicine</a>
                </div>
                    <br />
    <div style="float:right"><a href="/Articles/Category/All">More...</a></div>
    </li>
</ul>

            </div>
            <div class="dropdown_list_wrapper dropdown_list_resources">
                <a class="nav_global" href="/Resources/Books">
                    resources
                </a>
                <ul class="dropdown_list">
        <li><a href="/Resources/Books" class="dropdown_list_item">
            Books</a></li>
        <li><a href="/Resources/DVDs%20and%20Videos" class="dropdown_list_item">
            DVDs and Videos</a></li>
        <li><a href="/Resources/Resources%20on%20the%20Web" class="dropdown_list_item">
            Resources on the Web</a></li>
</ul>

            </div>
            <a class="nav_global nav_last" href="https://experts-blog.com/">blog</a>
        </div>
    </div>




    
<div class="breadcrumb_wrapper">
    <div class="breadcrumb"><span class="breadcrumb_text" id="breadcrumb"></span></div>
    <script language="javascript" type="text/javascript" src="../../scripts/breadcrumb.js"></script>
</div>




    

<div class="landing_banner_bg" >
	<div class="theme_none_banner">
		<div class="content-column">
			<p class="news_text news_text_page2"></p>
		</div>
	</div>
</div>



<div class="content-column">
    <div>
</div>
    <div class="home_contentarea">
        


   <div class="float_left">
    
    


    <div class="ad_left_wrapper">
        <!-- start loop -->
            <a href="/Advertise/LeftClicked?id=82" class="ad_left_image" target="_blank"><img class='ad_left_home_image_size' src=/Content/Images/banners/Experts-No-Broker-Ad.jpg alt="Experts.com-No broker Movie Ad"></a>
            <div>
                &#160;</div>
            <a href="/Advertise/LeftClicked?id=13" class="ad_left_image" target="_blank"><img src=http://www.tqlkg.com/image-2159443-11228617 alt="Create a free acount with PRWeb!"></a>
            <div>
                &#160;</div>
            <a href="/Advertise/LeftClicked?id=113" class="ad_left_image" target="_blank"><img class='ad_left_home_image_size' src=/Content/Images/banners/Designation-Station-Button.GIF alt="Deposition Designation Station"></a>
            <div>
                &#160;</div>
        <!-- end loop -->
    </div>

    
<div class="resource_featured_wrapper" >
    <div class="resource_banner"><div class="resource_header">resources</div></div>

        
            <div class="resource_featured_image"><a href="/Resources/Detail?ID=603" target="_blank"><img src="/content/images/resources/Douglas-Noll-Sex-Politics-Office-BK.jpg" class="resource_image_size" alt=Sex, Politics &amp; Religion at the Office: The New Competitive Advantage/></a></div>
        <div class="resource_title"><a href="/Resources/Detail?ID=603" target="_blank">Sex, Politics &amp; Religion at the Office: The New Competitive Advantage</a></div>
        <div class="resource_author">Douglas E. Noll, Esq</div>
        <div>&#160;</div>
            <div class="resource_featured_image"><a href="/Resources/Detail?ID=681" target="_blank"><img src="/content/images/resources/nancy-Major-Musculoskeletal-MRI-bk.jpg" class="resource_image_size" alt=Musculoskeletal MRI (2nd ed.)/></a></div>
        <div class="resource_title"><a href="/Resources/Detail?ID=681" target="_blank">Musculoskeletal MRI (2nd ed.)</a></div>
        <div class="resource_author">Nancy M. Major, MD, et al</div>
        <div>&#160;</div>
            <div class="resource_featured_image"><a href="/Resources/Detail?ID=382" target="_blank"><img src="/content/images/resources/doug-minor-anatomy-credit-score-bk.jpg" class="resource_image_size" alt=Anatomy of Credit Scores- An Insider&#39;s Knowledge and Success Secrets to Overcoming the Complicated Credit Scoring System/></a></div>
        <div class="resource_title"><a href="/Resources/Detail?ID=382" target="_blank">Anatomy of Credit Scores- An Insider&#39;s Knowledge and Success Secrets to Overcoming the Complicated Credit Scoring System</a></div>
        <div class="resource_author">Doug Minor</div>
        <div>&#160;</div>

</div>

    </div>
<div class="right_column_wrapper">
    <a name="top"></a>
    <div class="right_column_banner">
            <div class="right_column_header"></div>
    </div>
    <div class="right_column_content">
        



<link href="/Content/ArticleStyle.css" rel="stylesheet" />

<div class="article_detail_wrapper">
<!-- AddThis Button BEGIN -->
<div class="addthis_toolbox addthis_default_style">
<a href="http://www.addthis.com/bookmark.php?v=250&amp;pub=experts" class="addthis_button_compact">Share</a>
<span class="addthis_separator">|</span>
<a class="addthis_button_linkedin"></a>
<a class="addthis_button_facebook"></a>
<a class="addthis_button_twitter"></a>
<a class="addthis_button_google_plusone"></a>
<a class="addthis_button_email"></a>    
 <a class="addthis_button_print"></a>
        </div>
<script type="text/javascript" src="http://s7.addthis.com/js/250/addthis_widget.js?pub=experts"></script>
<!-- AddThis Button END -->


<!---Begin Article-->
<div class="container">
    <section>
         <div onclick="window.open('http://www.experts.com/Consultants/Search/Redirect?ID=10780&link=1', '_blank')"><a target="_blank" href="http://www.weatherworks.com" onclick="return false;">
                <figure>
                    <img src="http://www.experts.com/content/images/members/Michael-Mogil-Meteorology-Expert-Photo.jpg" alt="Jack Young - Machinery Equipment Appraisal Expert">
                </figure>
            </a>
        </div>
    </section>
    <aside>
       <p>
          <h1>Insurance Matters - Post Irma and Post Harvey</h1>
          
          
          </p>
        <p>
          By: <a href="http://www.experts.com/Expert-Witnesses/Meteorology-Expert-Witness-Michael-Mogil" title="H Michael Mogil - Meteorology Expert">Mr. Michael Mogil</a><br />
          
         
         Tel: 239-591-2468<br />
          Email <a href="mailto:	forensics@weatherworks.com?subject=[Inquiry From Experts.com]">Mr. Mogil</a><br />
          <div onclick="window.open('http://www.experts.com/Consultants/Search/Redirect?ID=10780&link=1', '_blank')"> Website: <a target="_blank" href="http://www.weatherworks.com" onclick="return false;">www.weatherworks.com</a></div>
          <br />View <a href="http://www.experts.com/Expert-Witnesses/Meteorology-Expert-Witness-Michael-Mogil" title="H. Michael Mogil - Meteorology Expert Profile">Profile</a> on <a href="http://www.experts.com" title="Expert Witnesses, Consultants, Expert Answers">Experts.com</a>.
          </p>
    </aside>
</div>
<div class="container"><br />
<br />

<p>During the past two weeks, I spent many hours helping Dave Elliott and his team at WGUF-FM (98.9) radio here in Collier County, FL. Stephen Johnson (control room) and Scott Fish (101.9 - Gator Country radio, simulcast with WGUF) rounded out the team.</p>

<p>While my focus was <a href="http://www.experts.com/Expert-Witnesses/Categories/Meteorology-Weather" title="weather experts">weather</a>, I also did some research and reporting on preparedness and post storm recovery matters. I also listened to discussions among our team and calls from listeners. I'd like to start sharing some these here to help Irma victims (and also those in Texas affected by Harvey).</p>

<p>This article will address a few hurricane-related insurance matters. Before beginning, let me note that I am not an insurance adjuster or a structural engineer. The items described here are simply to get readers to think things through before they either ignore insurance or go crazy about dealing with it. Always, get professional advice before addressing any matters involving insurance.</p>

<p>(1) Read your insurance policy BEFORE contacting your agent (Fig. 1). If you don't have a clue about policy coverages and exclusions, I predict that you will get frustrated quickly.</p>

<p>(2) Take pictures BEFORE cleanup. Make sure you show water levels and the wrack (debris) line, tree damage, roof tiles or shingles lying on your lawn (where they fell) with your house in the background of the image. These pictures can help your adjuster piece things together long after the storm's visual impacts disappear.</p>

<p>(3) Call your insurance agent, but, be prepared for long wait times. Insurance companies typically have agents available to help you. However, when the number of potential claimants becomes large, agent access can become difficult. Some companies are setting up mobile customer support centers in affected communities. Check with your insurance company, if they haven't already e-mailed you information.</p>

<p>(4) Find out what you can do to mitigate further damage, even before your claim is approved. Often, putting blue tarp on a roof and covering damaged windows are encouraged. Be sure that anyone you contract with is a reliable, certified and bonded contractor. In Florida, you can contact the Florida Department of Business and Professional Regulation (850-487-1395). To report unlicensed activity, call 1-866-532-1440). In Texas, you can contact the Texas Department of Licensing and Regulation or American Contractors - Texas; however, not all contractor and building licenses seem to be listed here.</p>

<p>(5) File a claim with FEMA for either uninsured or uninsured losses online, or by phone (800-621-3362). While the focus is on homeowners, there is a question that should direct your application to the Small Business Administration for possible small business coverage.</p>

<p>I filed this morning and it takes less than 20 minutes to do this online. You can also call FEMA directly to file a claim. Even if you don't qualify for assistance, you should still file a claim.</p>

<p>If you have a <a href="http://www.experts.com/Expert-Witnesses/Categories/Floods-Flooding" title="flooding experts">FEMA flood insurance</a> policy, check the policy for filing procedures.</p>

<p>(6) Remember that if you don't file a claim and do things to facilitate its successful conclusion (in your favor), the answer will always be "denied."</p>

<p>I hope this helps some people get a better handle on their insurance matters in the wake of these two destructive storms. I will update this article as I come across additional insurance information.</p>

<p>For those in disaster areas, please take care and recover safely and quickly.</p>

<p>For those in any area, please think about contributing to reliable and effective charities. Remember, that after the initial rush to get utilities restored, cleanup begun, properties secured, and finding water, ice and food, people will need money to put their lives back together.</p>

</div>

<!-- AddThis Button BEGIN -->
<div class="addthis_toolbox addthis_default_style">
<a href="http://www.addthis.com/bookmark.php?v=250&amp;pub=experts" class="addthis_button_compact">Share</a>
<span class="addthis_separator">|</span>
<a class="addthis_button_linkedin"></a>
<a class="addthis_button_facebook"></a>
<a class="addthis_button_twitter"></a>
<a class="addthis_button_google_plusone"></a>
<a class="addthis_button_email"></a>    
 <a class="addthis_button_print"></a>
        </div>
<script type="text/javascript" src="http://s7.addthis.com/js/250/addthis_widget.js?pub=experts"></script>
<!-- AddThis Button END -->



<hr />

<font size="-1"><p>
<b><a href="http://www.experts.com/Expert-Witnesses/Meteorology-Expert-Witness-Michael-Mogil" title="H Michael Mogil - Meteorology Expert">H Michael Mogil</a></b> is a <a href="http://www.experts.com/Expert-Witnesses/Categories/Meteorology-Weather" title="meteorology experts">Certified Consulting Meteorologist</a> (M.S. Meteorology) with over 40 years of experience, nearly 30 of them with the National Oceanic and Atmospheric Administration (NOAA). In addition to working for the National Weather Service as a forecaster, researcher, and severe storm program manager, he also provided satellite training to many governmental agencies and hundreds of TV meteorologists.<br />

</p>
<p class="center">
	&copy;Copyright - All Rights Reserved
</p>
<p class="center">
	DO NOT REPRODUCE WITHOUT WRITTEN PERMISSION BY AUTHOR.
</p>
</font></BODY></html> 
</div>
    </div>
    <div class="right_column_footer">
    </div>
</div>


    </div>
</div>

<div class="footer">
	    <div class="content-column" >
            <table cellpadding="0" cellspacing="0" border="0" class="float_right">
            <tr>

                <td class="footer_links" valign="top"><span class="footer_text_color footer_text_title">ABOUT US</span><br/>
			        <a href="/About">Our Story</a><br/>			
                    <a href="/PressRecent">Press Releases</a><br/>
			        <a href="/MemberInfo">Membership Information</a><br/>
			        <a href="/FAQ">FAQ</a><br/>
			        <a href="/Awards?Length=6">Awards</a><br/>
			        <a href="/Testimonial">Testimonials</a>
                </td>
                <td class="footer_links" valign="top"><span class="footer_text_color footer_text_title">CONTACT US</span><br/>
			        <a href="/Contact">Contact Information</a><br/>
                    <a href="/Advertise">Advertise</a><br/>
                    <a href="/RequestExpert">Request Expert</a><br/>
			        <a href="http://www.facebook.com/Expertscom" target="_blank">Our facebook Page</a><br/>
			        <a href="http://twitter.com/experts_com" target="_blank">Our Twitter Page</a><br/>
			        <a href="/Partner" >Partner with us</a>
                    </td>
                <td class="footer_links" valign="top"><span class="footer_text_color footer_text_title">LEGAL</span><br/>
			        <a href="/Terms">Terms of Use</a><br/>			
			        <a href="/Privacy">Privacy Statement</a><br/>
			        <a href="#" style="display:none;">Copyright Policy TBD</a>
                    </td>
            </tr>
        </table>
        

        <div class="footer_text_color footer_text_rights">&#169; 1994-2018 Experts.com. All rights Reserved</div>
        <div class="clear_both"></div>
        
    </div>
    <div class="content-column">




<div>
        <a href="/Expert-Witnesses/Categories/Accident-Investigation-Reconstruction" class="footer_category_links">
            Accident Investigation &amp; Reconstruction</a>
        <a href="/Expert-Witnesses/Categories/Accident-Prevention-Safety" class="footer_category_links">
            Accident Prevention &amp; Safety</a>
        <a href="/Expert-Witnesses/Categories/Actuarial" class="footer_category_links">
            Actuarial</a>
        <a href="/Expert-Witnesses/Categories/Administration" class="footer_category_links">
            Administration (General)</a>
        <a href="/Expert-Witnesses/Categories/Adoption" class="footer_category_links">
            Adoption</a>
        <a href="/Expert-Witnesses/Categories/Aerosol" class="footer_category_links">
            Aerosols - Aerosol Products</a>
        <a href="/Expert-Witnesses/Categories/Airports-Airport-Operations" class="footer_category_links">
            Airports - Airport Operations</a>
        <a href="/Expert-Witnesses/Categories/Alcohol-Tobacco-Other-Drugs" class="footer_category_links">
            Alcohol, Tobacco &amp; Other Drugs</a>
        <a href="/Expert-Witnesses/Categories/Appraisal-Valuation" class="footer_category_links">
            Appraisal &amp; Valuation</a>
        <a href="/Expert-Witnesses/Categories/Arborist-Arboriculture" class="footer_category_links">
            Arborist - Arboriculture</a>
        <a href="/Expert-Witnesses/Categories/Asbestos" class="footer_category_links">
            Asbestos</a>
        <a href="/Expert-Witnesses/Categories/Asset-Location-Searches" class="footer_category_links">
            Asset Location Searches</a>
        <a href="/Expert-Witnesses/Categories/Automotive" class="footer_category_links">
            Automotive</a>
        <a href="/Expert-Witnesses/Categories/Automotive-Vehicular-Accident-Reconstruction" class="footer_category_links">
            Automotive - Vehicular Accident Reconstruction</a>
        <a href="/Expert-Witnesses/Categories/Banking" class="footer_category_links">
            Banking - Banks (General)</a>
        <a href="/Expert-Witnesses/Categories/Banking-Investment-Banking" class="footer_category_links">
            Banking / Investment Banking</a>
        <a href="/Expert-Witnesses/Categories/Banking-Lender-Liability" class="footer_category_links">
            Banking / Lender Liability</a>
        <a href="/Expert-Witnesses/Categories/Bankruptcy-Insolvency-Debt-Counseling" class="footer_category_links">
            Bankruptcy - Insolvency - Debt Counseling</a>
        <a href="/Expert-Witnesses/Categories/Biomechanics" class="footer_category_links">
            Biomechanics</a>
        <a href="/Expert-Witnesses/Categories/Business" class="footer_category_links">
            Business (General)</a>
        <a href="/Expert-Witnesses/Categories/Business-Appraisal-and-Valuation" class="footer_category_links">
            Business Appraisal &amp; Valuation</a>
        <a href="/Expert-Witnesses/Categories/Business-Consulting" class="footer_category_links">
            Business Consulting</a>
        <a href="/Expert-Witnesses/Categories/Business-Development-Growth-Strategy" class="footer_category_links">
            Business Development  Growth &amp; Strategy</a>
        <a href="/Expert-Witnesses/Categories/Apparel-Clothing-Fashion" class="footer_category_links">
            Clothing - Apparel Fashion</a>
        <a href="/Expert-Witnesses/Categories/Construction" class="footer_category_links">
            Construction (General)</a>
        <a href="/Expert-Witnesses/Categories/Construction-Accident-Investigation-and-Reconstruction" class="footer_category_links">
            Construction Accident Reconstruction</a>
        <a href="/Expert-Witnesses/Categories/Criminalistics-Criminology" class="footer_category_links">
            Criminalistics / Criminology</a>
        <a href="/Expert-Witnesses/Categories/Crisis-Management-Emergency-Planning" class="footer_category_links">
            Crisis Management - Emergency Planning &amp; Response</a>
        <a href="/Expert-Witnesses/Categories/Damages" class="footer_category_links">
            Damages</a>
        <a href="/Expert-Witnesses/Categories/Demonstrative-Evidence-Trial-Presentations" class="footer_category_links">
            Demonstrative Evidence / Trial Presentations</a>
        <a href="/Expert-Witnesses/Categories/Design-Engineering" class="footer_category_links">
            Design Engineering</a>
        <a href="/Expert-Witnesses/Categories/Elderly-Geriatrics-Aging-Caregiving" class="footer_category_links">
            Elderly - Geriatrics - Aging - Caregiving</a>
        <a href="/Expert-Witnesses/Categories/Engineering" class="footer_category_links">
            Engineering (General)</a>
        <a href="/Expert-Witnesses/Categories/Environment" class="footer_category_links">
            Environment (General)</a>
        <a href="/Expert-Witnesses/Categories/Equipment-Machinery" class="footer_category_links">
            Equipment - Machinery</a>
        <a href="/Expert-Witnesses/Categories/Ergonomics" class="footer_category_links">
            Ergonomics (Applied, Cognitive, Environmental, Organizational)</a>
        <a href="/Expert-Witnesses/Categories/Ethics" class="footer_category_links">
            Ethics</a>
        <a href="/Expert-Witnesses/Categories/Business-Executive-Coaching-Training" class="footer_category_links">
            Executive Coaching &amp; Training</a>
        <a href="/Expert-Witnesses/Categories/Expert-Witness-Referral" class="footer_category_links">
            Expert Witness Referral</a>
        <a href="/Expert-Witnesses/Categories/Failure-Analysis" class="footer_category_links">
            Failure Analysis</a>
        <a href="/Expert-Witnesses/Categories/Finance-Financing" class="footer_category_links">
            Finance / Financing</a>
        <a href="/Expert-Witnesses/Categories/Fire-Explosions" class="footer_category_links">
            Fire - Explosions (General)</a>
        <a href="/Expert-Witnesses/Categories/Forensic-Accounting" class="footer_category_links">
            Forensic Accounting</a>
        <a href="/Expert-Witnesses/Categories/Forensic-Document-Analysis" class="footer_category_links">
            Forensic Document Analysis</a>
        <a href="/Expert-Witnesses/Categories/Forensics" class="footer_category_links">
            Forensics</a>
        <a href="/Expert-Witnesses/Categories/Forgery" class="footer_category_links">
            Forgery</a>
        <a href="/Expert-Witnesses/Categories/Fraud" class="footer_category_links">
            Fraud</a>
        <a href="/Expert-Witnesses/Categories/Fungus-Mold-Investigation" class="footer_category_links">
            Fungus / Mold Investigation</a>
        <a href="/Expert-Witnesses/Categories/Gemologists" class="footer_category_links">
            Gemologists</a>
        <a href="/Expert-Witnesses/Categories/Gemstones-Jewelry" class="footer_category_links">
            Gemstones - Jewelry</a>
        <a href="/Expert-Witnesses/Categories/Handwriting-Typewriting" class="footer_category_links">
            Handwriting Analysis</a>
        <a href="/Expert-Witnesses/Categories/Health-Care" class="footer_category_links">
            Healthcare (General)</a>
        <a href="/Expert-Witnesses/Categories/Human-Factors" class="footer_category_links">
            Human Factors</a>
        <a href="/Expert-Witnesses/Categories/Human-Rights" class="footer_category_links">
            Human Rights</a>
        <a href="/Expert-Witnesses/Categories/Hydrology" class="footer_category_links">
            Hydrology</a>
        <a href="/Expert-Witnesses/Categories/Industrial-Processes-Controls" class="footer_category_links">
            Industrial Processes &amp; Controls</a>
        <a href="/Expert-Witnesses/Categories/Insurance-Claims-and-Claims-Investigation" class="footer_category_links">
            Insurance Claims and Claims Investigation</a>
        <a href="/Expert-Witnesses/Categories/Intellectual-Property" class="footer_category_links">
            Intellectual Property</a>
        <a href="/Expert-Witnesses/Categories/Jails-Prisons-Correctional-Facilities" class="footer_category_links">
            Jails - Prisons - Correctional Facilities (General)</a>
        <a href="/Expert-Witnesses/Categories/Ladders" class="footer_category_links">
            Ladders</a>
        <a href="/Expert-Witnesses/Categories/Leasing-Leases" class="footer_category_links">
            Leasing &amp; Leases</a>
        <a href="/Expert-Witnesses/Categories/Legal-Judicial-Ethics" class="footer_category_links">
            Legal / Judicial Ethics</a>
        <a href="/Expert-Witnesses/Categories/Legal-Medicine" class="footer_category_links">
            Legal Medicine</a>
        <a href="/Expert-Witnesses/Categories/Legal-Nurse-Consultant" class="footer_category_links">
            Legal Nurse Consultant</a>
        <a href="/Expert-Witnesses/Categories/Life-Care-Planning" class="footer_category_links">
            Life Care Planning</a>
        <a href="/Expert-Witnesses/Categories/Litigation-Support" class="footer_category_links">
            Litigation Support</a>
        <a href="/Expert-Witnesses/Categories/Manufacturing-Packaging" class="footer_category_links">
            Manufacturing</a>
        <a href="/Expert-Witnesses/Categories/Marketing" class="footer_category_links">
            Marketing</a>
        <a href="/Expert-Witnesses/Categories/Mechanical-Engineering-" class="footer_category_links">
            Mechanical Engineering</a>
        <a href="/Expert-Witnesses/Categories/Medical-Devices" class="footer_category_links">
            Medical Devices</a>
        <a href="/Expert-Witnesses/Categories/Medical-Legal-Consultants" class="footer_category_links">
            Medical Legal Consultants</a>
        <a href="/Expert-Witnesses/Categories/Medical-Malpractice" class="footer_category_links">
            Medical Malpractice</a>
        <a href="/Expert-Witnesses/Categories/Medical-Record-Review" class="footer_category_links">
            Medical Record Review</a>
        <a href="/Expert-Witnesses/Categories/Medical-Medicine" class="footer_category_links">
            Medical Specialists</a>
        <a href="/Expert-Witnesses/Categories/Medical-Legal-Research" class="footer_category_links">
            Medical-Legal Research</a>
        <a href="/Expert-Witnesses/Categories/Meteorology-Weather" class="footer_category_links">
            Meteorology - Weather</a>
        <a href="/Expert-Witnesses/Categories/Nursing-Nurse" class="footer_category_links">
            Nursing (Nurse)</a>
        <a href="/Expert-Witnesses/Categories/Occupation-Health-Safety-OSHA-Compliance" class="footer_category_links">
            Occupation Health &amp; Safety / OSHA Compliance</a>
        <a href="/Expert-Witnesses/Categories/Personal-Injury-Accidents" class="footer_category_links">
            Personal Injury Accidents</a>
        <a href="/Expert-Witnesses/Categories/Pharmacy-Pharmacology" class="footer_category_links">
            Pharmacy / Pharmacology / Pharmaceuticals</a>
        <a href="/Expert-Witnesses/Categories/Photography" class="footer_category_links">
            Photography</a>
        <a href="/Expert-Witnesses/Categories/Police-Practices-Procedures" class="footer_category_links">
            Police Practices &amp; Procedures</a>
        <a href="/Expert-Witnesses/Categories/Pornography" class="footer_category_links">
            Pornography</a>
        <a href="/Expert-Witnesses/Categories/Premises-Liability" class="footer_category_links">
            Premises Liability</a>
        <a href="/Expert-Witnesses/Categories/Product-Liability-Defects" class="footer_category_links">
            Product Liability / Defects</a>
        <a href="/Expert-Witnesses/Categories/Products-Labeling-Warnings" class="footer_category_links">
            Products Labeling / Warnings</a>
        <a href="/Expert-Witnesses/Categories/Professional-Malpractice" class="footer_category_links">
            Professional Malpractice (General)</a>
        <a href="/Expert-Witnesses/Categories/Psychiatry" class="footer_category_links">
            Psychiatry</a>
        <a href="/Expert-Witnesses/Categories/Public-Relations-Public-Affairs" class="footer_category_links">
            Public Relations - Public Affairs</a>
        <a href="/Expert-Witnesses/Categories/Recreation-Sports-Accidents-Investigation-Reconstruction" class="footer_category_links">
            Recreation &amp; Sports Accidents</a>
        <a href="/Expert-Witnesses/Categories/Risk-Management" class="footer_category_links">
            Risk Management</a>
        <a href="/Expert-Witnesses/Categories/Security-Private-Public" class="footer_category_links">
            Security (Private &amp; Public)</a>
        <a href="/Expert-Witnesses/Categories/Slip-Trip-and-Fall-Accident-Investigation-Reconstruction" class="footer_category_links">
            Slip, Trip and Fall Accidents</a>
        <a href="/Expert-Witnesses/Categories/Statistics-Statistical-Analysis" class="footer_category_links">
            Statistics - Statistical Analysis</a>
        <a href="/Expert-Witnesses/Categories/Surface-Roadway-Walkway-Accidents-Investigation-Reconstruction" class="footer_category_links">
            Surface - Roadway - Walkway Accidents</a>
        <a href="/Expert-Witnesses/Categories/Toxicology" class="footer_category_links">
            Toxicology</a>
        <a href="/Expert-Witnesses/Categories/Trucks-Forklifts-Lifts-Accident-Investigation-and-Reconstruction" class="footer_category_links">
            Trucks - Forklifts Accidents</a>
        <a href="/Expert-Witnesses/Categories/Vocational-Rehabilitation" class="footer_category_links">
            Vocational Rehabilitation</a>
        <a href="/Expert-Witnesses/Categories/White-Collar-Crimes" class="footer_category_links">
            White Collar Crimes</a>
        <a href="/Expert-Witnesses/Categories/Employment-Human-Resources-Workers-Compensation" class="footer_category_links">
            Workers Compensation (HR)</a>
</div>    </div>
    </div>

    <script language="javascript" type="text/javascript">
        $(document).ready(function () {

            // We don't want to run keypress code on all forms, look for a form 
            // with a child element of defaultButton class defined on it
            if ($(document).find('.defaultButton').length != 0) {
                // If submit button is defined as input type=button, pressing Enter key 
                // on any fields does not submit the form. So we check for Enter key and
                // invoke click event if button has defaultButton class defined on it.
                // Don't invoke the click event on Enter key, if this happened on textarea.
                $(document).keypress(function (e) {
                    var ButtonKeys = { "EnterKey": 13 };

                    if (e.which == ButtonKeys.EnterKey) {
                        var $focusedElement = $(':focus');

                        if (!$focusedElement.is('textarea')) {
                            $(".defaultButton").click();
                            return false;
                        }
                    }
                });
            };

        });
    </script>
</body>
</html>
