Do You Know What’s In Your Insurance Policy?
In Florida, where hurricanes are not a matter of if but when, a lower property insurance premium might not be in your best financial interest. In most cases the lower your premium, the less you may be able to recover from your insurance company in the event of a loss. Unfortunately,
Proper Documentation of Claims
Since I was a detective working financial crimes investigations documentation has been the
most important and effective tool in obtaining the desired outcome. This sentiment especially holds true
in the space of property insurance claims. Unfortunately, all too often I see homeowners who have not
What Homeowners Should Know About Hurricane Deductibles
With Florida facing multiple hurricanes impacts in one season, homeowners should know that if they made a hurricane claim and then sustain damage from additional hurricanes, their Hurricane Deductible will generally apply only once that year.
New 10 Day Right of Recission
Effective July 1, 2024, Florida residential property owners can cancel a contract to repair or replace a roof without penalty or obligation within 10 days after signing the contract if the contract was signed during a state of emergency. To cancel the contract within the 10-day period during a state of emergency, the homeowner must send the notice of cancellation by certified mail with return
Your Policy May Contain Critically Important Water Damage Endorsements
Florida is growing at a rapid rate; this is not news to most Floridians. As a result, Insurance Brokers
are often selling policies at such a pace that they can rarely keep up with business. Unfortunately, that
leaves homeowners in a position where they potentially don’t understand what is in their own policies.
Help! My insurance company is asking for a plethora of information regarding my claim & why do they need all of this information?
Florida, insurance policies often include post-loss conditions that policyholders must follow after experiencing a loss. These conditions are critical for ensuring that the insurance claim process goes smoothly and that the insurer can properly assess and handle the claim. Here are some typical post-loss conditions you might encounter in a Florida insurance policy:
What Alternatives do I Have to Suing My Insurance Company?
A homeowners’ insurance policy is a two-way street, requiring both the homeowners and the insurance company
to uphold their end of the bargain. The homeowners pay premiums every month, recognizing that if an unforeseen
loss occurs, their insurance company will provide the needed indemnity to restore their property to its pre-loss
Understanding Your Plaintiff Deposition: What You Need to Know
If you have filed a lawsuit against your insurance company, one of the first things the attorney for your
insurance company will likely do is request to take your deposition. “What is a deposition?” is a logical
and understandable question for a homeowner to have in this situation. Knowing what to expect and
The Need for Transferable Water Mitigation Credits
Mitigation credits are an important part of our current land use system. They provide important liquidity to otherwise environmentally encumbered land while striking a balance between developmental goals and environmental policy. Under the current framework, mitigation bankers can purchase land in need of mitigation from a private party, perform said mitigation, and then sell credits to developers who need to offset their environmental impacts.
What Happens When My Claim Goes into Litigation?
The litigation process can be a very foreign process for the average person. The first part of the process
is filing a Complaint against the insurance company, alleging what the insurance company has done
wrong. When dealing with property damage, this is a breach of contract action in which we allege that