Florida Injury & Insurance Blog

Insurance Disputes: What Is a Public Adjuster?

A public adjuster is a professional who acts as an agent for policyholders during insurance disputes. A public adjuster acts within a policyholder’s best interests to negotiate with an insurance company in return for a percentage of the client’s recovery or a flat fee. Whether a public adjuster is a wise choice for your insurance… read more

Understanding Florida’s Security Deposit Laws

Providing a security deposit is a requirement to rent a property in most leasing agreements in Florida. The security deposit is any money the landlord requires you to give aside from an advance on your rent. It is a refundable sum the landlord will keep for the duration of your leasing arrangement. After you move… read more

Are Natural Disasters Covered by Homeowners Insurance?

A natural disaster is a homeowner’s worst nightmare. Natural disasters can strike with little to no warning and wreak havoc on a property. From minor water damage to a destroyed home, a natural disaster can cause many expensive damages for a homeowner. If you pay money every month to maintain homeowners insurance, you may assume… read more

Can You Sue a Negligent Home Inspector?

A home inspection is one of the necessary steps toward purchasing a property in Tampa. It is an in-depth inspection of a house and its features to affirm that it is sound, with all major systems in proper working order. The report you receive from a home inspector will give you the information you need… read more

Does Homeowners Insurance Cover Mold Damage?

Mold damage is an extremely common problem in Tampa, Florida. High heat and humidity levels, as well as a propensity for flood damage, can lead to dangerous mold growth in your home. Living with mold is a significant health risk, as breathing it in could cause allergic reactions and respiratory problems. Unfortunately, your homeowners insurance… read more

How Your HOA Affects Homeowners Insurance Claims

Being part of a homeowners association (HOA) has drawbacks and benefits. While you typically have to pay additional fees to have an HOA, the association will cover expenses such as repairs to your home or neighborhood. If you live in a condo or gated community, you most likely have a homeowners association. This does not,… read more

What Water Damage Does Homeowners Insurance Not Cover?

Homeowners insurance should provide peace of mind. If anything happens that damages your property, your insurance carrier will provide compensation to repair your losses and help you move forward. It is a distressing realization for many homeowners, therefore, when they discover their insurance companies have denied their water damage claims based on policy exclusions or… read more

What If My Property Damage Claim Is Undervalued?

Property damage insurance is something millions of home and business owners pay for each month in case of unexpected disasters. If something does happen, such as a robbery or hurricane, property insurance can pay for your damages. The insurance claim process, however, can be complicated and overwhelming for the average policyholder. As a claimant, you… read more

What to Do If Your Insurance Company Ignores You

Insurance companies are well-versed in how to profit their investors. While they provide benefits that can significantly help their clients, they will offer the bare minimum in coverage whenever possible. In many cases, insurance companies try to avoid liability for a claimant’s losses entirely through strategies such as delays or wrongful claim denials. Sometimes, an… read more

WHAT IS A HURRICANE DEDUCTIBLE AND WHEN DOES IT APPLY?

The determination of whether your storm damage was caused by a hurricane as opposed to a regular storm can have a substantial effect on the amount of coverage you can get from your insurance policy.  In order to make sure you are getting the full benefit of your insurance coverage, you need to understand the… read more