Hurricane Irma
The Landfall, The Aftermath, The Recovery Hurricane Irma, the first Category 5 Cape Verde hurricane to strike the Leeward Islands, caused devastation and damage in the Florida Keys and the…
Team Complete 2020 – See You at WIND Next Week?
Windstorm Insurance Conference Orlando 2020 Pulling the dumb end of the tape will make you a lot of friends over twenty years, many of mine will be in Orlando next…
Benefits of Appraisal to Florida Insurance Companies
Speed – The average residential insurance claims appraisal is taking 60, sometimes 90 days or 120 days, to close from start to finish. The differences on these claims are typically…
Join Us at Wind & Wave Facility University of Miami ASCE Convention | October 10, 2019
Team Complete will be sponsoring a Technical Tour of the University of Miami Wave & Wind Facility for the ASCE Convention on Thursday, October 10th from 1:00 – 4:00 P.M….
$42M for Amarillo Schools Hail Claim
Complete is pleased to announce the resolution of the Amarillo School District 2013 hail claim. An agreement of $42M was reached between the school district and the insurer. This agreement…
Appraisal Under the Flood Policy – John Minor – Appraiser, Umpire
The Appraisal Process in the National Flood Insurance Program works to resolve disputed property damage claims both residential and commercial after Hurricanes or other catastrophes. Insurers may compel appraisal or…
Forensic Engineering – What does one look for in a forensic report?
What is a Forensic Engineering report? Why do I need one on hurricane damaged building claims? Forensics, as I have seen it play in the field over the last two decades…
Six Months After Hurricane Michael – We Were There and Something was Different About This Late in the Season Storm – John Minor CFM
The timing was all wrong — we do not get storms this late in October but apparently no one told mother nature. I have been doing this storm thing as…
Florida Condo Board / Owner Responsibilities
Post Hurricane Michael where I have been on station since landfall I am getting bombarded with questions from condo owners in regards to what they are responsible for when it…
The Insurance Appraisal Process & Florida Department of Insurance DFS Mediation – An experts review
Alternative Dispute Resolution (ADR) Solutions to Hurricane Michael This article is about the insurance claims appraisal process and the Florida Department of Financial Services Mediation process. The video will explain…
Hurricane Michael
Timeline, Aftermath & Statistics Hurricane Michael roared into the Gulf of Mexico Oct. 9, 2018 as a late-season storm that was not expected to turn into 155 Now 160 miles per hour…
Hurricane Michael, Mexico Beach PSJ Early Aerial Assessments by Complete
FAA 107 Pilots — Hurricane Michael Our team worked from the west end all the way out the cape and back to PSJ in the days and weeks after Hurricane Michael….
Hurricane Florence – By the numbers – this mid Atlantic hurricane could have been much worse – John Minor CFM
Although Hurricane Florence’s and her rainfall is gone, the destruction it has caused isn’t over yet. Not even close… North Carolina farms lost an estimated 5,500 pigs and 3.4 million…
Hurricane Florence Landfall Research Project – FCMP support work – John Minor CFM
It’s now Friday, September 14, 2018, and Hurricane Florence has arrived in North Carolina. The powerful storm made landfall at 7:15 a.m. ET near Wrightsville Beach, just east of Wilmington….
The Atlantic Hurricane Season and Why Predictions Are Uncertain
The Atlantic hurricane season began this year on June 1 2016, and the coastal residents in Mexico, the Caribbean Islands and United States are wary of what is about to…
Hurricane Harvey & Back: 4 Days in August: My Experience – John Minor
Hurricane Harvey and John Minor’s Trek In 2017, people along the Texas Gulf coast and I were preparing themselves for what was to be the most destructive natural disaster in…
Dr. William Gray – The Man who Declared War on Global Warming Extremists
Dr. William Gray: The story of an interesting person I shared industry halls (and our experiences) with. Referred to as “one of the greatest minds in hurricane research”, Dr. William…
City Council Adopts Stricter Development Rules For Houston’s Floodplains
Several months after Hurricane Harvey’s destructive floods that affected thousands of houses in Southeast Texas, and the widespread flooding Hurricane Harvey unleashed last year, the Houston City Council has approved…
558 Inspections
La. Supreme Court Decision – Attached – John Minor, Expert – Hurricane Gustav V Construction Defect
John Minor of Complete, Inc. was asked to review the damages to the above referenced property after being referred by a La. General Contractor. The residence appeared to be of high quality built on a golf course at the Point in S. Louisiana.
Construction Defect
SB 360 Construction Defect
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Construction Defect
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Historical Context
Consumer protection laws and building codes have been around since the first Mason quarreled with their client the Shepard. In 1772 BCE rules were established by the Code of Hammurabi and have continued since confounding contractors and…
Diagnostic
South FL Condo Buildings Require 40-year Recertification Inspection
Florida Condo Building - Photo by Complete
The need for professional inspections of multifamily mid-and high-rise structures has never been clearer than in recent times. Our firm has been a leader in water intrusion and building inspection services for more than 20 years and we welcome this attention to detail.
Our engineers expect that there will be major changes in the state of Florida…
Expert Witness
Benefits of Appraisal to Florida Insurance Companies
Speed – The average residential insurance claims appraisal is taking 60, sometimes 90 days or 120 days, to close from start to finish. The differences on these claims are typically from 100 to 300k and are wholly associated with cost and scope. The commercial claims schedule for a standalone business can often be the same but know that a condo can sometimes take a…
FEMA 50% Rule
The effect of the 50 percent rule in SW Florida
The 50 Percent Rule - Substantial Damage after Hurricane Ian
Hurricane Ian was one of the most powerful storms to ever hit the coast of Florida with one minute sustained winds reported at over 150 MPH and the cause of more than 125 deaths. This storm is rated as a Major Hurricane, Category 4, just shy of the 157 MPH sustained necessary to be a…
Fire Damage
Forensic Engineering – What does one look for in a forensic report?
UF Engineering - Hurricane & Building Failure Research
What is a Forensic Engineering report? Why do I need one on hurricane damaged building claims? Forensics, as I have seen it play in the field over the last two decades as an insurance appraiser, expert, and now owner of a small engineering company. Forensics is where science and the courtroom meet in the form of a hurricane,…
Flood Damage
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Forensic Engineering
Hurricane Michael: City of Lynn Haven Four Years Later
City of Lynn Haven Hurricane Michael Appraisal
The City of Lynn Haven, Fla. sustained damages from Hurricane Michael on Wednesday, October 10, 2018. Over 51 separate locations were affected by the storm. Of these buildings the Police Station, City Hall, Library, and Recreation Center sustained the worst damage, resulting in complete or partial demolition of these sites.
The City razed 57,000 sf of community buildings located…
Hail Damage
$42M for Amarillo Schools Hail Claim
https://youtu.be/yxdrIhvGImE
Complete is pleased to announce the resolution of the Amarillo School District 2013 hail claim. An agreement of $42M was reached between the school district and the insurer. This agreement was the result of hard work by the appraisal panel, the school district, the insurer and their counsel. John Minor was the appraiser for the district, working out the differences between the parties. John…
Hiring a Forensic Engineer
Forensic Engineering – What does one look for in a forensic report?
UF Engineering - Hurricane & Building Failure Research
What is a Forensic Engineering report? Why do I need one on hurricane damaged building claims? Forensics, as I have seen it play in the field over the last two decades as an insurance appraiser, expert, and now owner of a small engineering company. Forensics is where science and the courtroom meet in the form of a hurricane,…
Roof Damage
Hurricane Maria – Large Loss Claims Appraisal – St Croix
Carden Beach Condominiums - St Croix
Complete & John Minor were pleased to be selected by the some of the smartest attorneys in the country as appraiser for Carden Beach Condominiums down in the US Virgin Islands following Hurricane Maria. Carden Beach is a special place on the northeast corner of St. Croix that had significant hurricane damage from Hurricane Maria’s Category 4…
Tornado Damage
Pensacola Tornado Damage – Steps to Resolving Disputed Claims – DFS Mediation, Appraisal & Public Adjusters
Enhanced Fujta scale
Tornadoes are rated on an EF (Enhanced Fujita) scale of o -5 (a 5 can flat knock down a structure). Dr Fujita from the University of Chicago came up with the scale in 1971 which is based on the type of damages and the width and breadth of same. The reason a scale was necessary as the winds from a tornado will…
Water Damage
Hurricane Sally Hits Home- Pensacola, Florida
September 16th has been a bad day for John Minor's hometown of Pensacola.
This is the second time we have had a hurricane on this date. This storm surprised us with sustained winds of 105 MPH and the wind and surge from what was supposed to be minimal Cat 1 hitting Bay St Louis that ended up stalling as it came ashore as a…
Wind Damage
New Year, New Us : TeamComplete Windstorm 2023
WIND 2023
Windstorm Insurance Conference Orlando 2023
“It is better to know how to learn than to know”
Dr. Suess
Oh, the places you will go in this business. I have had such a great ride in this job over the last 25 years and WIND has carried me to many of my destinations. WIND 2023 is expected to be my next departure point and I cannot…
Wind Damage Vs. Flood Damage
Hurricane Sally Hits Home- Pensacola, Florida
September 16th has been a bad day for John Minor's hometown of Pensacola.
This is the second time we have had a hurricane on this date. This storm surprised us with sustained winds of 105 MPH and the wind and surge from what was supposed to be minimal Cat 1 hitting Bay St Louis that ended up stalling as it came ashore as a…