What Causes Delays in Florida Property Insurance Claims? 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 for weeks, months, or even years to receive compensation that should have been issued promptly. These delays are not...
Monthly Archive: July 2024
Understanding your rights and navigating insurance claims in Florida’s evolving roofing landscape As a Florida homeowner, understanding your state’s roofing regulations can save you thousands of dollars and prevent costly insurance disputes. The 25% roof replacement rule has been one of the most significant pieces of legislation affecting Florida property owners, and recent changes have...
Personal injury claim values depend on your specific injuries, economic losses, how the accident impacts your daily life, and the strength of evidence proving fault. After nearly 30 years representing injured Floridians and recovering over $300 million in settlements and verdicts, we’ve learned that no two personal injury cases have identical values because compensation reflects...
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...
Does My Florida Homeowners Insurance Policy Cover Flood Damage? This is the single most important question to answer before a flood ever happens, and unfortunately, the answer for most Florida homeowners is no. Standard homeowners’ insurance policies issued in Florida explicitly exclude flood damage from their coverage. This exclusion covers flooding caused by storm surge,...
When a Florida homeowner files a property insurance claim, whether after a hurricane, a pipe burst, a fire, or any other covered event, the implicit expectation is that the insurance company will take the claim seriously, send a qualified professional to evaluate the damage, and make a fair and timely coverage decision. That expectation is...
Storm Damage Creates the Perfect Storm for Scams After a significant storm, Florida communities are overwhelmed. Emergency services are stretched thin. Roofing companies and contractors are flooded with calls. Insurance adjusters may take weeks to inspect damage. Scam artists and unlicensed contractors take advantage of this chaotic window, offering quick fixes and false promises. These...