Florida’s hurricane season runs from June 1 through November 30, but true storm preparation should begin long before the first watch or warning is issued. The steps homeowners take before a storm can affect not only how well their property withstands hurricane conditions but also how smoothly the insurance claim process moves if damage occurs....
Property Insurance
What Is Business Interruption Insurance Coverage Under Florida Law? When a hurricane, fire, water loss, or other covered event forces a Florida business to close or operate at reduced capacity, the financial damage can extend far beyond the cost of repairing the property. Lost revenue, payroll obligations, rent, utilities, vendor commitments, delayed reopening, and customer...
When your Florida home is damaged by a hurricane, windstorm, fire, water leak, roof failure, or another covered event, the insurance company may quickly inspect the property and issue a settlement offer. For many homeowners facing unexpected repair costs, temporary housing expenses, and the stress of recovering after a loss, accepting that payment may seem...
What Is a Sinkhole? A sinkhole develops when soil, sediment, or rock subsides into underground voids created as groundwater dissolves limestone, dolostone, or similar soluble rock formations. The process does not always produce a dramatic hole in the ground. Some sinkholes collapse suddenly, while other sinkholes result from gradual subsurface conditions that cause settlement and...
Tropical Storm Insurance Claims in Florida Tropical storms can cause serious property damage across Florida, even without reaching hurricane strength. Strong winds, roof damage, fallen trees, flooding, and interior water intrusion can leave homeowners facing expensive repairs and difficult insurance claims. When an insurance company denies, delays, closes, or underpays a claim for a tropical...
Florida homeowners pay insurance premiums expecting protection against damage from hurricanes, tropical storms, and severe wind events. Yet filing a claim does not guarantee that the insurance company will agree on what caused the damage or how much it should pay. Wind damage claims often involve disputes over causation, roof condition, flood versus wind damage,...
Tampa homeowners know how frustrating a delayed property insurance claim can be. You report the damage, submit the documents, cooperate with the inspection, answer the adjuster’s questions, and then wait. Weeks pass. No payment. No denial. No clear explanation. When a property insurance claim drags on, the insurance company may call it an “ongoing investigation.”...
Florida homeowners hear a lot of conflicting information about the “25% roof replacement rule.” Some are told that if more than 25% of their roof is damaged, the insurance company must pay to replace the entire roof. Others are told that the rule no longer exists and that the insurer only has to pay for...