Florida homeowners’ insurance policies cover mold damage only when the mold results from a covered peril. If the water intrusion that caused the mold is covered under the policy, mold remediation is generally covered as a resulting loss. If the water source is excluded, the mold claim will be denied. Because Florida’s subtropical climate creates...
Monthly Archive: May 2024
Did GEICO Deny Your Accident Claim? After a car accident in Florida, the last thing you expect is resistance from your own insurance company. Yet many accident victims find themselves facing denied or underpaid claims from GEICO, often at a time when medical bills are piling up, and financial pressure is mounting. If your claim...
Hailstorms are a regular and destructive presence across Central Florida. From Orlando and Tampa to Lakeland, Kissimmee, and the surrounding I-4 corridor, severe convective storms frequently produce hail that can cause significant damage to roofing systems, gutters, skylights, HVAC equipment, and exterior surfaces. Despite how common these claims are, property owners routinely find that the...
Florida homeowners face some of the most contentious insurance disputes in the country. Insurers routinely deny, delay, or minimize legitimate property claims following hurricanes, wind events, water intrusion, and fire. Two professionals can help a policyholder fight back: a licensed public adjuster and a property insurance attorney. Understanding what each can and cannot do is...
Florida’s car insurance system can be confusing, especially after a serious accident. Many injured drivers assume the at-fault driver’s insurance company will step in, accept responsibility, and pay the claim fairly. That does not always happen. Insurance companies may deny liability, delay payment, dispute the severity of your injuries, blame you for the crash, or...
ACV vs. RCV in Florida Property Insurance Claims When a Florida homeowner files a property insurance claim, the amount paid often depends on whether the policy covers damaged property on an Actual Cash Value or Replacement Cost Value basis. This difference matters because depreciation can significantly reduce the amount available after a loss. Damage to...