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A severe hailstorm can cause thousands of dollars in damage to a Florida home, leaving homeowners with costly roof repairs, damaged exterior components, and unexpected disputes with their insurance companies. While some hail damage is immediately visible, other problems may go undetected until leaks develop or a professional inspection reveals cracked roof tiles, fractured shingles,...

Florida homeowners face some of the most contentious insurance disputes in the country. Insurers routinely deny, delay, or minimize legitimate property claims following hurricanes, wind events, water intrusion, and fire. Two professionals can help a policyholder fight back: a licensed public adjuster and a property insurance attorney. Understanding what each can and cannot do is...

Florida’s car insurance system can be difficult to navigate, especially after a serious accident. Many injured drivers expect the at-fault driver’s insurance company to accept responsibility and pay fair compensation for their losses. Unfortunately, that does not always happen. Insurance companies may deny liability, delay the claim, minimize the severity of an injury, blame the...

ACV vs. RCV in Florida Property Insurance Claims When a Florida homeowner files a property insurance claim, the amount available to repair or replace damaged property can depend heavily on whether the policy provides Actual Cash Value (ACV) or Replacement Cost Value (RCV) coverage. The distinction matters because ACV generally accounts for depreciation. At the...

When an insurance company denies a claim, delays payment, or offers substantially less than the amount needed to repair covered property damage, policyholders may question whether the insurer is acting in bad faith. However, Florida insurance bad faith is a specific legal issue that involves more than an incorrect claim decision or an inadequate settlement...