>>> REBUILDING AFTER IRMA.
MANY SUSTAINED DAMAGE TO YOUR
HOMES AND BUSINESSES.
AND THE PROCESS OF FILING CLAIMS
CAN BE OVERWHELMING.
JOINING ME JOHN PHILIPS TO HELP
NAVIGATE THE PROCESS.
YOU'RE NOT JUST HERE AS AN
ATTORNEY THIS MORNING YOU WENT
TO YOUR HOUSE IN OR TEGA AND
IRMA WAS NOT KIND TO YOU.
>>> WE WERE UNDER 2 TO 4 FEET OF
WATER, THERE IS OUR HOUSE
NORMALLY I DON'T SHOW WHERE WE
LIVE, BUT WE'RE NOT GOING THE BE
THERE FOR A FEW MONTHS.
WE HAVE THREE SMALL CHILDREN,
INCLUDING A 1-MONTH-OLD, AND WE
WERE EVACUATED.
WE LISTENED TO MAYOR CURRY AND
LEFT AND CAME BACK TO THE
AFTERMATH OF THAT.
>>> WHEN YOU GET THE HOUSE THAT
HAVE LOST THINGS THAT ARE
SENTIMENTAL THAT YOU CAN'T
REPLACE AND OTHER THINGS THAT
CAN WILL WE PLACED BY INSURANCE,
AND GET OVER THE SHOCK WHAT HAS
BEEN THE BIGGEST FRUSTRATION
THAT IS COMMON PLACE WITH YOU
AND OTHERS WHO ARE IN THE SAME
SITUATION.
INSURANCE.
FOR US IT IS JUST THE FLOOD
INSURANCE.
IF TREES COME DOWN OR RAIN COMES
DOWN, THAT IS YOUR HOME OWNER'S
INSURANCE.
BY CONGRESS.
AND SO IT ASK NOT AS FRIENDLY AS
YOU'D HOPE.
AND THERE IS A LOT OF
EXCEPTIONS, FIRST THING WE HAD
TOO DO WAS GET IN THERE WITH
MASKS ON AND INVENTORY
EVERYTHING.
BECAUSE, YOU DON'T WANT TO HAVE
TO FIGHT THAT LATER.
AND THAT WAS THE HARD PART.
AND THEN AS YOU GO THROUGH
THERE, YOU SEE MY BABY BOOK AND
THINGS THAT YOU WANTED TO HAND
DOWN TO YOUR KIDS AND
SENTIMENTAL THINGS THAT MONEY
WILL NEVER PATIENT.
AND THEN PARTICULARLY IN
JACKSONVILLE WITH SO MANY HIT,
THE ISSUE IS GOING TO BE, THE
SECOND ISSUE WILL BE COMPETING
FOR RESOURCES.
EVERYONE WANTS THE SAME HELP.
EVERYONE IS GOING TO KEEP US OUT
OF THE HOUSE FOR A WHILE.
AND WE'VE HAD WONDERFUL TBLOANDZ
HAVE TAKEN CARE OF US.
YOU KNOW, Dr. SHANE SILVER AND
OTHERS HAVE PITCHED IN AND
NORMAL.
>>> I THINK YOU HAVE TO REALIZE
IN A SITUATION LIKE THIS
YOU'RABLY U PLAYING A CHESS
GAME.
YES ADJUSTORS ARE THERE TO HELP
YOU RECOVER YOUR THINGS AND
THEY'RE ALSO THERE FOR INSURANCE
COMPANIES AND THEY WANT TO PAY
OUT AS LITTLE AS PO.
IO HAVE TO CREATE A RELATIONSHIP
TO GET WHAT YOU DESERVE.
>>> NUMBER ONE OUR CONTRACTOR
WAS FROM OKLAHOMA STATE.
HE WAS OKLAHOMA STATE FAN AND
CAME WITH A SHIRT ON.
I IMMEDIATELY STARTED UP A
CONVERSATION ABOUT JUSTIN
BLACKMAN AND MADE A JOKE ABOUT
CRAWLING INTO OUR CRAWL SPACE
AND TAKING PICTURES FOR HIM.
AND THESE PEOPLE ARE HUMAN, TOO,
JUMPING FROM TRAGEDY TO TRAGEDY.
AND SOME PEOPLE ARE IN A BAD
STATE OF MIND WHEN THEY VISIT
AND ARE ANGRY, AND I GET IT.
I'M A VICTIM.
BUT THEY ALSO CONTROL YOUR FATE.
KINDNESS.
>> NURTURE A RELATIONSHIP.
>>> YOU DO WANT TO NURTURE A
RELATIONSHIP AND YOU DO WANT TO
DOCUMENT BY E-MAIL.
THAT IS SOMETHING WE'VE DONE.
YOU'VE SAID THIS NOW WE'RE GOING
ASSUMPTION.
NEIGHBORHOOD.
>>> YOU HAVE A MEETING WITH SOME
OFS YOUR NEIGHBORS AS WELL.
IT IS IMPORTANT TO COMPARE
NOTES, FIND OUT WHO IS HAVING
SUCCESS, WHO IS NOT AND WHAT THE
ISSUES ARE.
>> PARTICULARLY WITH THE FLOOD
INSURANCE FOR THOSE LUCKY ENOUGH
TO HAVE THEM.
THERE ARE PEOPLE ON THE NORTH
SIDE DEALING WITH STATE THE
PEOPLE MANY AND FEMA WILL PAY
CLAIMS WILLY-NILLY WITH THE
FLOOD CONTRACT YOU HAVE A
BY THAT CONTRACT.
AND IT IS CAPPED.
THERE ARE RULES, YOU KNOW, IF
YOU HAVE A BASEBALL CARD
COLLECTION, I HAVE MY BASEBALL
CARD COLLECTION, ANY COLLECTIONS
YOU HAVE YOU ONLY GET $2500 NO
MATTER WHAT YOU HAD IN THERE,
ART, ALL OF THAT.
THERE ARE HURDLES YOU HAVE TO
GET THROUGH.
BUT, YOU'VE JUST GOT TO BE AS
PRUDENT AS POSSIBLE.
SOME PEOPLE TURNED TO WHAT ARE
CULLED PUBLIC ADJUSTORS AND THEY
WILL COME IN THERE AND HELP YOU
INVENTORY EVERYTHING AND THEY
WILL TAKE A PERCENTAGE OF THAT
BUT.
>> Bruce: YOU'RE GOING THE GET
MORE.
>> YOU'RE NOT GOING IF THINK
ABOUT ALL THE THINGS YOU HAVE
SO THERE IS THE BUNCH OF
DIFFERENT WAYS TO APPROACH IT.
THERE ACTUALLY AREN'T A LOT OF
LAWYERS THAT TAKE FLOOD
INSURANCE CLAIMS BECAUSE THEY'RE
FEDERALLY STRAITED AND IT IS
I KNOW SOME FIRMS ARE TAKING THE