Understanding Your Right to Re-Open a Hurricane Claim in Florida When Florida homeowners suffer hurricane damage, they often assume their options are exhausted once their insurance claim is closed. This is not true. Under Florida law, policyholders retain the right to re-open a property insurance claim if new damages are discovered, the initial payment was...
Property Insurance
Understanding Condominium Insurance in Florida Condo insurance protects a unit owner’s personal property, interior walls, floors, ceilings, and liability exposures. This policy is commonly called an HO-6 policy. It’s crucial because while the condominium association carries a master insurance policy covering shared areas, that policy often doesn’t extend into individual units. So, if your kitchen...
How a Lawyer Can Help When Filing a Condo or HOA Insurance Claim Living in a Florida condominium or community governed by a Homeowner’s Association (HOA) comes with many benefits and unique challenges—particularly when dealing with property damage and insurance claims. With its hurricanes, tropical storms, and high humidity, Florida’s distinctive climate creates specific insurance...
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...
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...
Understanding Florida Hotel Damage Insurance Claims Florida’s hospitality industry is vital to the state’s economy, attracting millions of tourists annually. However, Florida’s tropical climate is famous for hurricanes, heavy rains, and strong winds, which can pose significant hotel risks. Property damage from storms, floods, and other hazards can lead to extensive financial losses. The right...
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...