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.
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.