Florida’s Unique Wind Damage Risks In Florida, wind damage from hurricanes, tropical storms, and severe weather is a common threat to homeowners. While most homeowners’ insurance policies include coverage for wind damage, many policyholders are surprised when their wind damage insurance claims are denied. Unfortunately, insurance companies often use tactics to reduce or deny valid...
Monthly Archive: August 2024
Understanding Coverage When protecting your property, homeowners’ insurance is your first line of defense. But many homeowners are surprised to learn that while their homeowner’s insurance covers damage to the garage, it typically does not cover vehicles stored inside. Let’s break down exactly what your policy does and does not include regarding vehicles in your garage....
Delaying Property Insurance Claims: A Profitable Strategy for Insurers Delays in insurance claim payments have become an alarming trend across Florida. As homeowners struggle to recover from storm damage, water leaks, or hurricane destruction, many are left waiting—weeks, months, or even years—to receive compensation that should have been issued promptly. These delays are not random....
Understanding Florida’s Roofing Regulations After Storm Damage In Florida, hurricanes, tropical storms, and extreme weather events are common occurrences. As a result, roofing regulations play a critical role in maintaining property safety. One regulation in particular — Florida’s 25% Roof Replacement Rule — often sparks confusion among homeowners filing insurance claims. This rule can significantly...
Understanding the Value of a Personal Injury Claim If you’ve been injured in an accident due to someone else’s negligence, one of the questions you’ll likely have is: “What is my personal injury claim worth?” While there’s no one-size-fits-all answer, understanding the factors determining a claim’s value can help you set realistic expectations—and ensure you...
How Wear and Tear Exclusions Affect Florida Policyholders Regarding homeowners’ insurance in Florida, policyholders need to be aware of the fine print in their insurance policies. One of the most common clauses that can catch homeowners off guard is the “wear and tear” exclusion. Understanding what this exclusion means and its impact on your coverage...
Why Do Universal Property and Casualty Insurance Claims Get Denied? Navigating the complexities of insurance claims can be challenging, especially when dealing with claim denials. Universal Property and Casualty Insurance Company (UPCIC) is a significant player in the Florida insurance market, providing coverage to thousands of homeowners. However, many policyholders have reported issues with claim...
Essential Tips for Filing a Successful Insurance Claim for Flooding in Florida Flooding can be devastating, causing significant damage to homes and personal property. In Florida, where hurricanes and tropical storms are expected, understanding how to file a successful insurance claim after flooding is crucial. Here are some essential tips to help you navigate the...