Water damage can sneak up on you, whether from a storm or a plumbing mishap, and it can cause serious problems. If you've experienced substantial water damage, acting quickly is crucial. Water can cause more than visible destruction; if not addressed promptly, it can...
Bad Faith Insurance Claims
Why do some insurance companies delay claims?
When you purchased your insurance policy, be it for fire, hurricane, storm and so on, you expected you would be covered without difficulties when the time comes. But this may not be the case; your claim may take forever. And while there may be a rational explanation...
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...
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,...
First-time homeowners and home insurance
Buying your first home is an exciting time and a reason to celebrate. It is something you have been thinking about and planning for a while and will finally happen. While it is undoubtedly a reason to celebrate, there are essential commitments attached to purchasing a...
Watch for these 3 signs of bad faith insurance denials
Your home is your castle. Not only do you have a tremendous amount of time, money and effort invested in your property, but you also feel comfortable there. Similarly, if you own a business, keeping it in good shape is essential for your livelihood. To protect both...
When an insurer violates its own obligations
Florida homeowners facing damage from Hurricane Irma may also be struggling with their insurance companies. Unfortunately, some insurers might delay or deny payment for a legitimate claim. In some cases, this denial violates the terms in the company's own insurance...
Mysteriously, Clay County man’s flood insurance was never paid
Jason D. lives in the Black Creek Hills in Middleburg, one of the hardest-hit areas in Clay County. Even though his home is elevated by 20 feet, it is located 30 yards from Black Creek. That wasn't enough to prevent the creek from flooding his home. His home was...
Don’t spend a decade haggling over an insurance claim
When a hurricane hits the Miami area, residents know the drill. Buy plywood and board up properties, clear the store shelves of bread and toilet paper (and liquor - can't forget that), gas up the genny and/or hunker down around candles. It's what we do, and just part...