Understanding the Rising Insurance Costs in Florida Florida homeowners have recently faced skyrocketing home insurance premiums, causing widespread concern and frustration. Insurance companies frequently point to financial crises stemming from litigation costs as the primary reason behind these rate hikes. But what exactly is driving these increased premiums, and is litigation the main culprit? Property...
Property Insurance
Understanding the Basics After Receiving a Property Insurance Check If your insurance company issued a check for property damage, you may have noticed something surprising: the check includes the mortgage company’s name alongside yours. That’s not a mistake. It’s a standard part of how lenders protect their financial interest in your home. Let’s break it...
Avoid These Costly Mistakes When Filing a Florida Home Insurance Claim Filing a home insurance claim in Florida can be a complex process, especially after a natural disaster or significant damage to your property. While it’s important to know what steps to take, it’s equally crucial to understand what not to do to avoid delays,...
What Is the Burden of Proof in a Florida Car Accident Case? In Florida car accident cases, the burden of proof refers to the legal obligation of the injured party (plaintiff) to establish that the other party (defendant) was negligent and that this negligence caused the accident and resulting injuries. Under Florida law, this burden...
What Is a Proof of Loss for Florida Home Insurance Claims? A Proof of Loss is a formal statement that policyholders submit to their insurance company detailing the damages or losses incurred, the value of those losses, and any other pertinent information regarding the claim. This document serves as the foundation for your insurance claim,...
Insurance Companies Are Not on Your Side When you’re involved in an accident, whether a car crash, a slip and fall, or property damage due to a natural disaster, you may quickly contact an insurance company. One of the first things they often ask for is a recorded statement. While this may seem like a...
Understanding Your Rights After Water Damage in Tampa Water damage can strike unexpectedly from burst pipes, hurricanes, or heavy rainstorms. For Florida homeowners, navigating water damage claims can be particularly challenging due to the state’s unique climate and insurance regulations. In this guide, we’ll walk you through the critical steps to take when dealing with...
Understanding Policy Limits, Exclusions, and When to Hire a Lawyer Mold damage in Florida is a persistent and costly problem for homeowners, particularly in the aftermath of hurricanes, roof leaks, burst pipes, or prolonged water intrusion. When left untreated, mold can pose serious health risks and cause structural damage to the home. But does homeowners’...