Evacuations are underway along parts of Florida’s Gulf Coast as Hurricane Isaias threatens the region with damaging winds, several feet of storm surge, flooding rain and possible tornadoes.
Isaias is forecast to become the first Atlantic hurricane of 2026 before making landfall along the central Gulf Coast late Friday. Storm surge, damaging winds and heavy rainfall could produce widespread property losses from the coast well into the Southeast.
Bring structure to complex commercial claims. Improve cycle time, control indemnity and deliver consistent outcomes at scale.
Improved imagery, broader acceptance and pressure to handle more claims with fewer adjusters are making drones an increasingly routine part of property inspections.
Mutual of Wausau alleges a thermostat and thermal protection failure in an Amazon Basics coffee maker caused a Wisconsin house fire, prompting a $301,936 subrogation action against Amazon.
Sedgwick’s 2026 loss adjusting outlook points to retiring adjusters, fragmented AI systems, complex infrastructure losses, catastrophe volatility and rising valuation disputes as major pressures on property claims organizations.
Florida’s uninsured motorist rate has climbed above 20%, while the state continues to require just $10,000 in PIP and property damage coverage. In Miami-Dade, more than 13,000 hit-and-run crashes in 2025 show how quickly those coverage gaps can become claims problems.
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Back-to-back seasons often put a second storm on a house before the first repair is done. How to separate the two claims so the same damage is not paid twice and the new damage is not denied as old.
A flat $1,000 deductible is no longer the number on a growing share of policies, including policies well inland. How percentage wind and named-storm deductibles are calculated, why the trigger language decides whether they apply, and what to say when the deductible exceeds the repair.
After a long dry spell, brick cracks and doors stick, and the homeowner reports a claim. Four causes produce the same cracks. How to separate drought shrinkage from a slab leak, and which answers the policy will pay.
Climate risk is reshaping how property claims are investigated, reserved, and explained to insureds. What field and desk adjusters are seeing as weather patterns shift, and how coverage analysis has to keep up when the same peril looks different year over year.
The estimate is more than a price tag. It frames the loss, drives negotiation, and often becomes the record everyone cites later. How adjusters build estimates that hold up under scrutiny, and what falls apart when the numbers cannot tell the story.
Sometimes a claim feels off before the facts prove it. What to verify first, how to document the gaps, and when instinct becomes a solid investigation. Walking through the awkward files where the story and the evidence do not line up.
