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...
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Understanding Hurricane Insurance in Florida: What Homeowners Need to Know In Florida, hurricane insurance is not a standalone policy but a combination of coverage options, including windstorm damage, flooding, and additional protections under a standard homeowners insurance policy. Because Florida is prone to severe hurricanes, insurance companies break down coverage into several components to protect...
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...
What Unique Property Damage Risks Do Florida Hotels Face? Why Are Florida Hotels Particularly Vulnerable to Hurricane Damage? Florida hotels face extraordinary hurricane exposure due to the state’s geographic location, with an average of 1-2 hurricanes making landfall annually and tropical storm activity occurring throughout the June-November hurricane season. Florida hotels are particularly vulnerable, as...
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 when it comes to 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,...
Does Homeowners Insurance Cover Fires Caused by Faulty Wiring? Home fires caused by faulty electrical wiring remain among the leading causes of residential property damage across the United States, particularly in states like Florida, where aging infrastructure and DIY repairs are common. Understanding whether homeowners’ insurance covers fires caused by faulty wiring is crucial for...
Florida Homeowners Insurance and Window Damage: Coverage, Exclusions, and How to Get Your Claim Paid
Does Florida Homeowners Insurance Cover Window Damage? Florida homeowners face a relentless barrage of weather-related threats, from powerful hurricanes and tropical storms to sudden hailstorms and wind-driven debris. Among the most common and financially significant types of damage to residential properties is window damage, which can compromise a home’s structural integrity, expose the interior to...