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Learn Your Gap.

Copper is Number 29 on periodic table. Cu is the symbol. Its soft, malleable and ductile with very high thermal and electrical conductivity. It’s one of the oldest metals in use. It rose to prominence during the Middle Ages in Europe, Egypt, and Asia.

In ancient Egypt, copper was used to sterilize wounds and drinking water. Ancient Aztecs gargled water mixed with copper to fight sore throats, and Hippocrates reportedly treated leg ulcers with copper. Today, scientific research has proven that copper has an antimicrobial effect, which is why more hospitals around the world are finding ways to use copper equipment to stem hospital infections.

The Food and Nutrition Board at the Institute of Medicine recommends that adults consume about 900 micrograms of copper daily through foods such as dark chocolate, nuts, seafood, legumes, liver and green leafy vegetables. Throughout time, healers have believed that copper is capable of transferring energy to aid the healing process in both the body and mind.

While there’s concern about using up our earth’s supply of resources, we’re in no danger of running out of copper.  Scientists estimate that the earth is home to more than 8 trillion pounds of it and that we’ve only mined about 1.1 trillion pounds of it so far. The best part: The metal we’ve already mined can be recycled and reused infinitely without compromising its integrity.

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Questions about coverage, an insurance claim, property damage? 

Call 772.237.0892 and maybe we can meet for coffee and discuss. 

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Take a read through the following common events in property insurance claims. Policy language has been around a long time like copper. Policy language can be “soft” to you the property owner. 

Like copper the language should be a conduit to protect you and your family during unexpected events. The right amount of insurance coverage is healthy to ensure your largest financial investment is properly protected. If you have the right policy language, the policy language, like copper, should heal the wounds to your home. Providing connectivity for you and your family to pre loss condition at your home.

If you have questions about your coverage, best to call your agent, or we can explain these common claim adjusting issues. Be proactive – vs – reactive. Recovery Insurance Adjusters advocates for property owners only during a claim event. Make sure you have good language which will enable you to be paid the proper claim value. Some policyholders buy insurance coverage on “price point” – vs – the fine details of the policy language.

Here are some common events and associated policy language that you might have in your policy. 

You might be surprised to learn these gaps might not allow you to put your property back to pre-loss condition after a sudden event.

Emergency Services Dollar Value Limit​

You go out for dinner on Friday night. You arrive home after 4 hours and your kitchen sink plumbing supply line failed and water is pouring into your home. Every room is impacted with standing water. You call a company to your home and they arrive at 5:00 am to extract this water. They require you to sign paperwork. You read the paperwork hastily to get the water out of your home!

Does your policy language have language to limit emergency services incurred expense?

Some policy language would not pay more than the greater of $3,000 or 1% of the home’s insured value, unless you, the insured submitted a written request to exceed the cap. Once a request is made, the insurance company has 48 hours to approve or reject the request. If the insurance company misses the 48-hour deadline, the claimant may exceed the cap “only up to the cost incurred” for the reasonable emergency measures necessary to protect covered property from further damage.” Is it possible to communicate within 48 hours over a weekend?

What? Yes, you might be responsible to pay a dollar value above $3,000. We have seen policyholders become responsible for dollar values over $20,000 dollars out of their own pocket.

How I have it?

Water Damage Limit $10,000

You take a family weekend away. You arrive home and discover the washing machine hose failed and discharged water throughout your home. You have approximately $100,000 dollars in building damages (wood floor throughout the home, baseboards, drywall, kitchen cabinets, bathroom vanity, etc.)

Does your policy language have language to limit water damage? An example of a Florida policy “This policy provides up to $10,000 of coverage due to Water Damage caused by accidental discharge of water from plumbing or appliance. All other Water Damage is excluded except Water Damage caused by water penetration into the house when the water penetration is a direct result of damage caused by wind or hail.”

How I have it?

Cosmetic Damage Limit

Hail damage to a metal roof or even tile floor system that was damaged by an impact … some polices have implemented a limit of $10,000.00 for cosmetic issues to your home. The insurance carrier has determined these two examples to be cosmetic and limited payments to policyholder at the maximum $10,000. Even thought the value of these items could reach into the $30,000 to $100,000 or higher.

In an attempt to limit coverage for non-functional damage, insurers have begun to include the “cosmetic damage” exclusion. Cosmetic damage is usually defined as marring, pitting or other superficial damage from hail that alters the appearance of the roof, but does not prohibit it from functioning as a moisture barrier.

What does your policy have?


If you have a single family home you more than likely have a HO3 policy. Condominium is an HO6. These policies do not cover rising waters. Rising waters from ocean, lakes, rivers, collection of rain in the road or land from excessive rain. Called “ground water”, simply put water from the sky that hits land and then enters your structure is Flood damage.

You need to consider purchasing a separate policy to cover ground water; coverage for this would be to purchase a flood policy. Flood is an excess of water on land that is normally dry, affecting two or more acres of land or two or more properties.

Screen Pool or Metal Structures

A tree falls and hits your pool screen enclosure or your attached metal car port.

Depending on your policy language you might have limited coverages, or these structures might be excluded. If covered, you might have a limit on the dollar value. Is the dollar value enough to cover the replacement of the structure?

What does your policy have?

Leak in roof or window

I observed water damaged from a heavy rain storm around my windows. The water has damaged my wood floor system, drywall and baseboards. I’m covered, right? I notice water stains on my drywall ceilings in my home after a heavy rain storm. I’m covered, right?

Many policies exclude or limit coverage for interior water damage unless there is evidence of a wind-created opening in the roof, outside wall, door or window where rain entered the home or business. Often carriers deny coverage in a manner similar to the below scenario:

On such and such a date, a loss was reported to Insurance Company for water damage from roof leak causing damage to your home. The insured property was inspected by Mr. Adjuster who documented the claimed loss and determined there was no damage to the roof (or window) due to a weather condition. Because there was no storm damage to the roof then there would be no coverage for the interior damage.

The carrier then cites to the applicable water damage or wind-driven rain exclusion amongst other common policy exclusions to deny coverage. Policyholders should be aware of the following or similar policy language:

‘We do not insure for loss caused by rain, snow, sleet, sand or dust to the interior of a building unless a covered peril first damages the building causing an opening in a roof or outside wall, door or window and the rain, snow, sleet, sand or dust enters through this opening.’

What does your policy have?

Proof of Loss / 60 day file

After you have a loss, you file an insurance claim, the insurance company will often mandate that the policyholder complete and sign a form called a Proof of Loss regarding the damages claimed by the policyholder. A Proof of Loss is generally one page form (possibly with attachments) that is usually provided to the policyholder by the insurance company.

The Proof of Loss form requests specific information from the policyholder regarding the date and time the loss occurred, type of loss claimed, the available insurance policy limits, and the exact amount of damages sought by the policyholder. The Proof of Loss form may also mandate that the policyholder attach any damage estimates or other calculations that support the policyholder’s claims.

There are some insurance carriers that now have this or similar language: “Submit to us, within 60 days after the loss, your signed, sworn proof of loss which sets forth, to the best of your knowledge and belief.”

The above newer policy language is troubling:

First, many insureds will simply be unaware of this new requirement or will not understand if/how it applies to them. Instead of requesting a proof of loss (which would confirm that insureds are aware of the requirement), this insurance carrier has snuck in this requirement knowing that many insureds may overlook and/or be confused by this requirement.

Second, if an insured does not comply with this “hidden” requirement, the insurance carrier will likely use this “failure to comply” with the policy’s “Duties After Loss” as a basis for claim denial.

Third, the new language is also problematic because it requests a proof of loss within 60 days after the loss occurs. But what about instances where insureds do not immediately discover damages? For example, what happens when a July windstorm causes damage to the roof of an insured property but the insureds are unaware of the damage until leaking occurs months later? Will Olympus take the position that the claim is barred because a proof of loss was not provided within 60 days of the July windstorm?

What does your policy have?

Personal Property - RCV or ACV coverage?

There are two primary valuation methods for establishing the value of insured property for purposes of determining the amount the insurer will pay in the event of loss under a homeowner’s policy:

1. Replacement Cost Value (RCV): This method is usually defined in the policy as the cost to replace the damaged property with materials of like kind and quality, without any deduction for depreciation. It pays an insured for the value of replacing the damaged property without deduction for deterioration, obsolescence, or similar depreciation of the property’s value. The carrier assumes the cost of paying the full cost of repairing or replacing the damaged property.

2. Actual Cash Value (ACV): This method pays an insured for a similar item less depreciation. ACV is ordinarily determined in one of three ways: (1) the cost to repair or replace the damaged property, minus depreciation; (2) the damaged property’s “fair market value” (“FMV”); or (3) using the “broad evidence rule,” which calls for considering all relevant evidence of the value of the damaged property. The insured bears the difference between the depreciated value of the damaged property prior to loss and the higher cost of repairing or replacing it.

What does your policy have?

14 day limit (discovered) / Hidden water leaks inside walls – Not covered

How many times do we open up our interior walls in our homes to check for leaky pipes?

Many homeowner policies have an exclusion which generally states we do not insure for a loss caused by constant or repeated seepage or leakage of water over a period of 14 or more days. Other policies state that a loss won’t be covered if the seepage or leakage occurs over weeks, months or years.

What does your policy have……………………..

Some policyholders buy insurance coverage on “price point” vs. the fine details of the policy language.

Are you a “price point” or detail person?

Thanks for doing a health check on your policy.

“Learn YOUR Gaps”
I would highly recommend Joe and RIA, who represented my Irma related insurance case very effectively. There is no way I could have represented myself and achieved anywhere close to the result that Joe and RIA were able to. Joe understands the details of insurance contracts, the state laws and the ins and outs of the whole adjustment process extremely well. I found communication to be clear and very straightforward, particularly when we reached points where I had a decision to make about which way to proceed. At the same time, I felt Joe was very honest and professional with the insurance carrier, adjusters and other representatives so that we could reach both a good and a fair outcome for both parties.
Michael Jacobs
Michael Jacobs
19:31 06 Jan 20
I was referred to Irene Villa as we were having some problems with an Insurance Claim. Irene was incredibly helpful and knowledgeable about the current state of the insurance industry in general. She gave me several ideas without taking our case. I was amazed how helpful she was without any company or personal gain. Thank you.
Julie Louden
Julie Louden
21:20 12 Nov 19
Joe did an assessment of our storm damage and represented us threw this process. Always informed us throughout his negotiation from assessmentof damages to the use of appraisal and umpire. Joe did a superb job and never backed down. Thank You Joe,Bob & Fran Federico
Bob & Fran Federico
Bob & Fran Federico
23:01 21 Feb 20
Recovery Insurance Adjusters did an outstanding job handling our claim. We had never used a public adjuster before, but we now know the value of their services. Joe, Cathleen, and Irene were a pleasure to work with and our successful outcome is the result of their expertise, determination and professional representation. We highly recommend RIA - they are truly the best!
pamela heeb
pamela heeb
00:02 10 Sep 19
RIA has an incredibly detail oriented and professional staff. Joe and Irene handled our slab leak claim from the start to the very end, and were able to negotiate an amount above our expectations. Irene was always accessible and returned calls in hours, not days. Do not attempt to handle a claim on your own, use these experts to advocate for your best interests.
Patrick Dayan
Patrick Dayan
17:41 06 Aug 19
In the end the insurance company paid the full loss and Recovery was consistent in emphasizing patience. Claim was from Hurricane Irma - so patience was key. Lesson learned that if you want to fight with the insurance company better to have someone like Recovery leading your change.
Mike Moran
Mike Moran
12:27 15 Mar 20
We asked Joe Connelly of Recovery Insurance Adjusters to help us out after Irma. We knew we had damage as a tree hit our home. Joe Connelly handled EVERYTHING. He inspected the damage done to our home himself spending hours doing so. He met with the insurance adjusters at our home pointing out damage that Irma had caused that the Insurance Company's adjuster never thought of addressing. Joe made all the phone calls to the insurance company. He was our representative to the insurance company and essentially lifted the chore of dealing with the insurance company off our shoulders. The bottom line is Joe was able to negotiate a fair settlement that was more than twice what the insurance company offered initially and well worth his small fee.I would strongly recommend Joe Connelly and Recovery Insurance Adjusters.
Pete Lashenka
Pete Lashenka
12:29 16 Mar 18
James Zandlo
James Zandlo
13:46 08 May 20
After returning from our vacation and finding that our master bedroom, master bathroom and pool side bathroom had been flooded because of a failed pipe valve, We called Recovery Insurance Adjusters. They took it from there and contacted our insurance company and negotiated with them on our behalf. The process was smooth and the recovery was smooth and the claim paid without any help from us. Thank you Joe Connelly and Recovery Insurance adjusters!
Philip Picco
Philip Picco
14:34 12 May 20
On NYE I found a leak in my kitchen that had been ongoing, I did some research and called RIA the next day. Irene came out 1/2 and did an assessment and took care of literally EVERYTHING. She called in a mold remediation company and dealt with our insurance company for our claim. We gave her receipts and kept in contact and she did as well. The entire process was made so easy because of RIA. THANK YOU SO MUCH!!
Katelyn Williams
Katelyn Williams
21:13 23 Apr 20
Joe Connelly from Recovery Insurance Adjusters and his assistant Cathleen Owen were extremely helpful and successful in obtaining monies from our insurance company to replace our roof after receiving damage from Hurricane Irma. It was a long process but that was because our Insurance Company was uncooperative. I would recommend this company and have already done so.
Kathy Erickson
Kathy Erickson
18:40 19 May 20
I highly recommend Joe Connelly and his team. Without their help, we never would have gotten our new roof. Our Insurance Company acknowledged the storm damage and then tried to say the damage was less than our deductible. We called Joe, and with his expertise and help, we were able to get a complete new roof, including skylights and gutters. I always recommend RIA to everyone I know.
michelle golinski
michelle golinski
22:15 29 May 20


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Recovery Insurance Adjusters

East Coast Florida:
4365 SW Thicket Court
Palm City, FL 34990

West Coast Florida:
868 Banyan Court
Marco Island, FL 34145

Joseph P. Connelly, Lic. #E157037

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