Understanding the Duty to Investigate Insurance Claims in Florida Insurance companies in Florida have a legal obligation to investigate all homeowner insurance claims promptly, thoroughly, and fairly. This duty is outlined under Florida Statute § 624.155, which governs unfair claims settlement practices. When insurers neglect to investigate or conduct a biased or incomplete review, they...
Monthly Archive: May 2024
Storm Damage Creates the Perfect Storm for Scams After a major 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 move in during this chaotic window, offering quick fixes and false promises. These...
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...
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 Homeowner’s Association (HOA) comes with many benefits and unique challenges—particularly when dealing with property damage and insurance claims. With its hurricanes, tropical storms, and high humidity, Florida’s distinctive climate creates specific insurance...
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 Benefits of Hiring a Lawyer for Florida HOA Hurricane Damage Claims Florida’s hurricane season can significantly challenge homeowners’ associations (HOAs), particularly for condo associations. Dealing with the aftermath of a hurricane involves navigating complex insurance claims, managing repair contracts, and addressing legal disputes. Hiring a lawyer experienced in hurricane damage issues will provide invaluable...