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 cars in your...
Property Insurance
Delaying Property Insurance Claims: A Profitable Strategy for Insurers Delays in insurance claim payments have become an alarming trend across Florida. As homeowners struggle to recover from storm damage, water leaks, or hurricane destruction, many are left waiting for weeks, months, or even years to receive compensation that should have been issued promptly. These delays are...
Florida’s roofing regulations have undergone significant changes over the years, particularly in the aftermath of devastating hurricanes and mounting insurance claims. One of the most critical policies impacting homeowners is Florida’s 25% Roof Replacement Rule. If you’re navigating a property damage claim or concerned about potential roofing costs, it’s essential to understand this rule in...
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...