Homeowners insurance can be complicated anywhere, but Tampa homeowners face unique coverage concerns because of hurricanes, severe storms, wind damage, water losses, aging roofs, rising construction costs, and Florida’s changing insurance laws. A homeowners insurance policy may provide coverage for the dwelling, other structures, personal belongings, additional living expenses, personal liability, and certain medical payments....
Property Insurance
Hidden Construction Defects in Tampa Bay New Construction Buying a newly built home, condominium, townhome, or commercial property in the Tampa Bay area should give property owners confidence. Whether the property is in Tampa, St. Petersburg, Clearwater, Brandon, Wesley Chapel, Riverview, Palm Harbor, or another growing community in Hillsborough, Pinellas, or Pasco County, buyers expect...
Wind vs. Water Damage Your home suffered extensive damage during a hurricane, but your insurance company says the water damage isn’t covered because it was caused by flooding rather than wind. Is that the end of your claim? Not necessarily. One of the most contentious issues in Florida hurricane insurance claims is determining whether property...
Florida homeowners face some of the highest lightning risks in the country, and properties across Tampa Bay are especially vulnerable during severe thunderstorms. A single lightning strike or electrical surge can cause thousands of dollars in damage within seconds. For Tampa homeowners, lightning damage is not limited to the obvious. A strike may damage electrical...
Wind and Hurricane Damage Claims in Tampa Bay Wind and hurricane damage is a significant source of property insurance claims throughout Tampa Bay. A storm does not need to make landfall directly in Tampa to damage homes and businesses in Hillsborough, Pinellas, or Pasco County. Outer rain bands and strong winds can damage roofing systems,...
How Insurance Companies Minimize, Delay, and Deny Florida Property Damage Claims Most Florida homeowners and business owners expect the insurance claim process to be straightforward. They pay premiums, suffer property damage, report the claim, and expect the insurer to investigate and pay what the policy owes. That is not always what happens. After a hurricane,...
When a hurricane strikes Florida, the damage is not always obvious. Missing shingles, broken windows, water intrusion, and hidden structural damage can leave homeowners facing costly repairs long after the storm has passed. Yet many policyholders delay filing a claim because they worry about premium increases, policy non-renewal, or a difficult claims process. Waiting can...
What Florida Homeowners Were Never Told About the Insurance Crisis Florida homeowners were told a familiar story for years. Premiums were rising because hurricanes were more expensive. Roofing fraud was out of control. Litigation was draining the market. Insurance companies could not survive without major legislative reform. Some of those pressures were real. Florida is...