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...
Construction Defect
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...
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...
Do You Have a Bad Faith Insurance Claim in Florida? Insurance companies are expected to settle claims in good faith. Failure to do so is a violation of state law. Florida’s law states that insurance companies must act “fairly and honestly toward their insured and with due regard for her or his interests.” So, what...
Why Cast-Iron Pipes Are a Hidden Risk in Florida Homes Florida homeowners face a unique set of challenges in protecting their properties from hidden water damage. Water damage caused by deteriorating cast iron pipes is among the most serious and costly threats. These plumbing systems, commonly installed in homes built before 1975, are ticking time...
If you’re a Florida homeowner, you’ve likely experienced the gut-wrenching moment of opening your insurance renewal notice only to find your premiums have skyrocketed or worse, your policy has been non-renewed entirely. You’re not alone. Florida homeowners are paying three times the national average for home insurance, and the situation continues to deteriorate. Insurance companies...