Understanding your rights and navigating insurance claims in Florida’s evolving roofing landscape As a Florida homeowner, understanding your state’s roofing regulations can save you thousands of dollars and prevent costly insurance disputes. The 25% roof replacement rule has been one of the most significant pieces of legislation affecting Florida property owners, and recent changes have...
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Understanding the Value of a Personal Injury Claim If you’ve been injured in an accident due to someone else’s negligence, one of the questions you’ll likely have is: “What is my personal injury claim worth?” While there’s no one-size-fits-all answer, understanding the factors determining a claim’s value can help you set realistic expectations and ensure...
How Wear and Tear Exclusions Affect Florida Policyholders Regarding homeowners’ insurance in Florida, policyholders need to be aware of the fine print in their insurance policies. One of the most common clauses that can catch homeowners off guard is the “wear and tear” exclusion. Understanding what this exclusion means and its impact on your coverage...
Why Do Universal Property and Casualty Insurance Claims Get Denied? Navigating the complexities of insurance claims can be challenging, especially when dealing with claim denials. Universal Property and Casualty Insurance Company (UPCIC) is a significant player in the Florida insurance market, providing coverage to thousands of homeowners. However, many policyholders have reported issues with claim...
Essential Tips for Filing a Successful Insurance Claim for Flooding in Florida Flooding can be devastating, causing significant damage to homes and personal property. In Florida, where hurricanes and tropical storms are expected, understanding how to file a successful insurance claim after flooding is crucial. Here are some essential tips to help you navigate the...
Understanding the Duty to Investigate Insurance Claims in Florida Florida insurance companies 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 breach...
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...
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...