When disaster strikes your Florida property through hurricane damage, water intrusion, fire, or other covered perils, you expect your insurance company to honor the policy you’ve faithfully paid premiums on for years. Instead, Florida homeowners and business owners routinely find that major insurance carriers employ sophisticated, systematic tactics to minimize claim payments, deny legitimate coverage,...
Insurance Claim
Filing a Hurricane Insurance Claim in Florida Is Your Legal Right When a hurricane strikes, the aftermath can be overwhelming, with shattered windows, missing shingles, water intrusion, and even structural devastation. Despite the chaos, too many Florida homeowners delay or avoid filing hurricane damage claims. Whether it’s fear of rising premiums, fear of denial, or...
What Is a Home Inventory and Why Does It Matter in Florida In Florida, where hurricanes, floods, and unexpected property losses are increasingly common, creating a detailed home inventory is one of the smartest steps a homeowner can take. A home inventory is a documented list, ideally with photos, receipts, and appraisals, of all personal belongings...
What Florida Condo Associations Need to Know About Hurricane Milton Damage Claims Hurricane Milton has left many Florida condo associations grappling with significant property damage. Managing a large-scale insurance claim for roof damage, flooding, or broken windows can be complex and overwhelming for condo boards. It’s essential to understand the steps involved in filing a...
Florida Flood Insurance Claims Experiencing a flood can be devastating, and filing a flood insurance claim can be overwhelming. Unfortunately, many homeowners make common mistakes during the claims process that can result in delays, denials, or underpaid claims. By understanding these mistakes and how to avoid them, you can ensure that your claim is processed...
When a hurricane damages your home in Florida, filing an insurance claim is vital to recovering from the disaster. A critical aspect of hurricane insurance claims is Additional Living Expenses (ALE) coverage. ALE compensates for the extra costs you incur while your home is being repaired, and you are forced to live elsewhere. These expenses...
Hurricane Season Preparedness: A Comprehensive Guide for Florida Homeowners Living in the Sunshine State has many benefits, but Florida residents know all too well the annual threat of hurricane season. From June 1st through November 30th, Florida homeowners must remain vigilant and prepared for potential tropical storms and hurricanes. This comprehensive guide will walk you...
What Is Business Interruption Insurance Coverage Under Florida Law? Business interruption insurance, also called business income coverage, protects Florida businesses from financial losses when covered perils force temporary closures, operational suspensions, or revenue reductions. Unlike property damage coverage, which pays for physical repairs to buildings and equipment, business interruption coverage compensates businesses for lost profits,...