From Congestion to Crashes: The Dangers of Auto Accidents in Tampa The Tampa Bay area, which includes cities like Tampa, St. Petersburg, and Clearwater, has recently gained attention for its troubling ranking as one of the worst places to drive in the United States. With increasing traffic congestion, high accident rates, and challenging road conditions, driving...
Construction Defect
To file a water damage insurance claim in Florida, immediately document all damage with photos and videos, stop the water source and mitigate further damage, contact your insurance company within 24-48 hours to report the claim, and comply with Florida Statute § 627.70131, which requires insurers to acknowledge claims within 14 days. Florida homeowners should...
Understanding Policy Limits, Exclusions, and When to Hire a Lawyer Mold damage in Florida is a persistent and costly problem for homeowners, especially after hurricanes, roof leaks, burst pipes, or prolonged water intrusion. When left untreated, mold can pose serious health risks and cause structural damage to the home. But does homeowners’ insurance cover mold...
Understanding Why GEICO Denied Your Personal Injury Claim After a car accident in Florida, the last thing you need is your insurance company fighting against you. Yet countless accident victims discover that GEICO routinely denies legitimate personal injury claims, leaving injured people stuck with mounting medical bills and no clear path forward. If GEICO has...
Understanding Hail Damage and Florida Insurance Policies In Florida, hailstorms can strike with little warning, leaving widespread property damage. Roofs, windows, siding, and personal property are often affected. While homeowners’ insurance typically includes coverage for hail damage, many claims are denied, underpaid, or delayed due to vague policy language and insurer tactics. If you’re a...
What Is the Difference Between Actual Cash Value and Replacement Cost Value in Florida Insurance Claims? Actual Cash Value (ACV) pays to replace damaged property minus depreciation for age and wear. In contrast, Replacement Cost Value (RCV) pays the full cost to replace property with new items of a similar kind and quality without deducting...