Florida Injury & Insurance Blog

What to Do If Your Insurance Company Ignores You

Insurance companies are well-versed in how to profit their investors. While they provide benefits that can significantly help their clients, they will offer the bare minimum in coverage whenever possible. In many cases, insurance companies try to avoid liability for a claimant’s losses entirely through strategies such as delays or wrongful claim denials. Sometimes, an… read more

WHAT IS A HURRICANE DEDUCTIBLE AND WHEN DOES IT APPLY?

The determination of whether your storm damage was caused by a hurricane as opposed to a regular storm can have a substantial effect on the amount of coverage you can get from your insurance policy.  In order to make sure you are getting the full benefit of your insurance coverage, you need to understand the… read more

What is Homeowners Insurance?

Admit it. You’ve probably never read your homeowners’ insurance policy. It’s not exactly riveting material, to say the least. This is the consensus most of our clients admit upon dealing with an underpaid or denied claim. In fact, according to a study by JD Power, 52% of policyholders don’t have a full grasp on their… read more

Can Home Insurance Be Backdated?

Backdated insurance requests coverage for something that happened prior to purchasing the policy. If you need to backdate an insurance claim, it means you need coverage for property damage that occurred before you paid for the policy. Backdated insurance is something most homeowners insurance companies do not offer. Find out if the insurance company you… read more

When Should I Dispute an Insurance Claim?

The home insurance claims process can be difficult for claimants. Many insurance companies, rather than standing by their policyholders, try to dispute claims or vastly underestimate property losses. An interest in profits over people can lead to the insurance company handling claims in bad faith. As a claimant, you should dispute an insurance claim if… read more

Does Home Insurance Cover Vandalism?

Discovering someone has vandalized your home can make you feel like your privacy has been invaded. It can also make you fear for your family’s safety, on top of having to deal with minor or major property damage. During this difficult time, make the homeowners insurance process as easy as possible. Find out whether your… read more

Will Home Insurance Cover a Roof Leak?

If your roof springs a leak, the water damage could be enormous. Flooding due to a roof leak could cause thousands of dollars in damage to your roof, ceiling, insulation, wood, furniture and floors. If you have homeowners insurance, your first thought may be to file a claim for financial benefits so you can receive… read more

Does Homeowners Insurance Cover Termite Damage?

Termites are one of the most dreaded pests as a homeowner. Every year, termites cost property owners over $5 billion in damages. Removing termites alone can cost $3,000 or more. Repairing wood or structural damage from a termite colony can cost substantially more. Unfortunately, most homeowners insurance policies do not cover typical termite damage, nor… read more

What Is State of Insurance?

If you carry any type of insurance policy, from auto insurance to life insurance, you need to know about your state’s department of insurance. Every state has a department of insurance to protect policyholders from bad faith practices, fraud and misinformation. Rather than trusting an online search with your important insurance-related questions, go to your… read more

Does Homeowners Insurance Cover Appliances?

Homeowners in Tampa can purchase insurance policies to cover damages to their houses, other structures on their properties and belongings inside the home. Homeowners insurance can recoup a homeowner’s property damage repairs or lost property replacements after disasters such as fires, storms, floods or theft. Most homeowners insurance policies cover appliances as well as items… read more