Closed Claims, Open Damage: A Costly Oversight for Homeowner
Closed Claims, Open Damage: A Costly Oversight for Homeowner Many homeowners go the route of pursing first party legal action against their insurance companies after a claim dispute, only to later decide that they no longer wish to move forward for various reasons. What homeowners often do not consider is that when a claim or […]
Understanding Insurance Litigation for Homeowners: What Really Happens When a Claim Goes Wrong
Understanding Insurance Litigation for Homeowners: What Really Happens When a Claim Goes Wrong When you buy a homeowners insurance policy, you’re basically paying for peace of mind. If something goes sideways a storm, a pipe burst, a tree falling on the roof you expect your insurer to step in and help fix the damage. Most […]
Roof payment schedules: what they are and why homeowners should pay attention
Roof payment schedules: what they are and why homeowners should pay attention If you’ve ever had roof damage from a storm, you know the stress that comes with filing a claim and figuring out what your insurance will actually cover. Most people assume, “My policy has replacement cost, so they should pay to replace the […]
Why Condominium & HOA Boards Must Conduct Post-Storm Inspections and Promptly Report Insurance Claims in Florida
Why Condominium & HOA Boards Must Conduct Post-Storm Inspections and Promptly Report Insurance Claims in Florida Florida’s climate makes community associations uniquely vulnerable to severe weather. From routine summer thunderstorms to catastrophic hurricanes, high-wind and water events can cause both obvious and hidden property damage. For condominium and HOA boards, what happens after the storm […]
The Importance of Prior Claims and Why You Should Tell Your Attorney About Them
Think of your attorney as your shield — but a shield only works if it knows what to protect. One of the important considerations in how ‘good’ a claim is, is how many
Checking And Understanding Policy Endorsements
When purchasing a homeowners insurance policy in Florida, many people understandably focus on the basics—how much the policy costs and what it covers in terms of the home, personal belongings, and liability. However, one critical area that often gets overlooked is endorsements. These additions or
Is it too late to file my Hurricane Milton Claim?
Hurricane Milton made landfall near Siesta Key, Florida on October 9, 2024, as a category 3 hurricane. As hurricane Milton swept across the State of Florida, it left a path of destruction in its wake. Even today, property owners are still trying to remedy the damage that was caused by this storm.
The Importance of Uninsured/Underinsured Motorist (UM) Coverage in Florida
Florida is well-known for its booming population and busy roadways. However, about 20% of drivers in Florida are uninsured. Thus, roughly 1 in 5 vehicles on the road could leave you completely unprotected in a crash. If you are a Florida resident or planning to move to the state,
A Homeowner’s Guide to the Appraisal Process
A Homeowner’s Guide to the Appraisal Process Filing a claim can be intimidating, and at times, it may feel like insurance companies have all the power when determining how much should be paid on a claim. However, as a homeowner, it’s
What is a Civil Remedy for My Case?
What is a Civil Remedy for My Case? Have you made a homeowner’s insurance claim and believe your insurance company is acting in bad faith? There are several consumer protection laws in place that govern how an insurance company in Florida is to act once a claim is made.