Many homeowners have met a common issue: the denial or reduced payouts for their homeowners' insurance claims due to "pre-existing damage." This is a common situation that affects a substantial number of property owners in the state. Insurance companies often argue...
Year: 2023
Dealing with the aftermath of a hurricane
Hurricane season is deadly and can leave many people stranded. Many people seek shelter even before hurricanes hit their homes. During this time away, people often don’t know how their homes are affected by hurricanes. Hurricanes can be tracked, which can help people...
5 steps for vetting a contractor
Contractors are responsible for the important steps involved with your construction project. Selecting the right contractor for the job is not only a first step in any project, but it is a vital one that could affect the project's outcome. Taking the time to vet a...
Construction defects and why you should take them seriously
Just because a building finished construction does not mean you are immediately ready to find occupants for your property. For property owners, it helps to check your property after completion and confirm that it is free from construction defects, lest you encounter a...
How new legislation affects insurance claims with Citizens, FIGA
Hurricanes in recent years have devastated both Florida homes and the insurance companies covering them. Several insurers have even gone insolvent trying to pay for claims because of the billions of dollars in damages caused by these storms. And because insurers went...
Can you file an insurance claim if a tenant destroys your rental?
Earning income through rental properties is exciting, but it also comes with risks. One such risk is the possibility of a tenant causing significant damage to the property, which can be costly to repair and may disrupt the income stream from the investment. For...
What the Insurer Accountability Act means for Florida’s policyholders
Hurricane Ian broke all sorts of records when it made landfall in Florida late last year. Considered the third-costliest weather event on record, it led to $113 billion in damages. Of that total, $109.5 billion was for damages in Florida alone. Insurance companies...
The issue with underinsured homes
Florida is no stranger to hurricanes and the risks they bring. This is why many homeowners in the state purchase insurance in anticipation of any storm-related damage to their properties. But even with insurance in place, homeowners may be at risk of underinsurance,...
Dealing with a low homeowners insurance adjuster offer
When you first purchase a house, the insurance coverage you sign up for may seem like a fantastic deal. However, when the time comes, and you ask your home insurance adjuster how much they will cover for property damage, they may provide an unsatisfactory estimate....
Dealing with the aftermath of a house fire
The entire experience of witnessing a house fire is terrifying enough. Imagine if it was your house. Your property and personal belongings burn while you stand powerless, unable to move until the unforgiving flames devour your home and the memories within....