Understanding Coverage When protecting your property, homeowners’ insurance is your first line of defense. But many homeowners are surprised to learn that while their homeowner’s insurance covers damage to the garage, it typically does not cover vehicles stored inside. Let’s break down exactly what your policy does and does not include regarding vehicles in your garage....
Insurance Claim
Florida Property Insurance Claim Delays Filing a property insurance claim can be a stressful experience, especially when you’re dealing with damage to your home or business. The last thing you want is to face unnecessary delays from your insurance company. Unfortunately, delays are common and can leave policyholders feeling frustrated and uncertain about when, or...
Understanding Roof Damage Insurance Claims in Florida Roof damage is one of the most common and costly issues that Florida homeowners face, mainly due to the state’s vulnerability to hurricanes, tropical storms, and other severe weather events. Whether your roof has been damaged by high winds, heavy rains, falling debris, or even age-related wear and...
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 Insurance companies in Florida 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...
Storm Damage Creates the Perfect Storm for Scams After a major 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 move in during this chaotic window, offering quick fixes and false promises. These...