Understanding Your Right to Re-Open a Hurricane Claim in Florida When Florida homeowners suffer hurricane damage, they often assume their options are exhausted once their insurance claim is closed. This is not true. Under Florida law, policyholders retain the right to re-open a property insurance claim if new damages are discovered, the initial payment was...
Monthly Archive: May 2024
Understanding Condominium Insurance in Florida Condo insurance protects a unit owner’s personal property, interior walls, floors, ceilings, and liability exposures. This policy is commonly called an HO-6 policy. It’s crucial because while the condominium association carries a master insurance policy covering shared areas, that policy often doesn’t extend into individual units. So, if your kitchen...
How a Lawyer Can Help When Filing a Condo or HOA Insurance Claim Living in a Florida condominium or community governed by a Homeowners Association (HOA) offers many benefits and unique challenges—particularly when handling property damage and insurance claims. With its hurricanes, tropical storms, and high humidity, Florida’s distinctive climate creates specific insurance concerns for...
How to Deal with a Home Insurance Adjuster in Florida When your property has suffered damage, the first step to financial recovery is often filing a claim with your homeowner’s insurance company. But soon after, you’ll be contacted by an insurance adjuster. A professional’s job is to investigate the claim and evaluate how much the...
Understanding Hurricane Insurance in Florida: What Homeowners Need to Know In Florida, hurricane insurance is not a standalone policy but a combination of coverage options, including windstorm damage, flooding, and additional protections under a standard homeowners insurance policy. Because Florida is prone to severe hurricanes, insurance companies break down coverage into several components to protect...
The Vital Role of Legal Counsel in HOA Hurricane Recovery When hurricanes batter Florida’s coast, Homeowners’ Associations (HOAs) face immense challenges in recovering from widespread property damage. The devastation typically impacts roofs, building exteriors, fences, utilities, recreational amenities, and landscaping, all of which fall under the HOA’s responsibility to repair or replace. Filing a hurricane...
What Every Florida Hotel Owner Must Know to Recover Full Compensation Florida’s hospitality industry operates amid extraordinary insurance risk. Hurricane strikes; severe convective storms, catastrophic water intrusion events, and commercial fires are not abstract threats for Florida hotel owners; they are statistical certainties over the lifetime of any property. When those events occur, and insurance...
Car accidents happen without warning. One moment you’re driving through Tampa, merging onto I-275, or sitting at a red light on Dale Mabry Highway, and the next, everything changes. The physical pain, the confusion, the paperwork, the insurance calls, it can feel completely overwhelming, especially when you’re trying to heal from injuries at the same...