After a hurricane, windstorm, fire, or other major property loss, Florida homeowners expect their insurance company to honor the coverage they have faithfully paid for over the years. Unfortunately, many policyholders discover that obtaining a fair settlement can be far more difficult than filing the claim itself. Insurance companies have a legal obligation to investigate...
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Florida Property and Personal Injury Insurance Claims
Cast iron drain pipes were standard in Florida homes built before the 1970s, and after decades underground, many are now corroding and failing. When they do, the resulting water damage can be extensive and expensive, often reaching tens of thousands of dollars once concrete, flooring, and walls are involved. Florida homeowners who file these claims...
Electrical fires remain one of the leading causes of residential property damage in the United States. In Florida, aging electrical systems, outdated wiring, improper installations, and unpermitted repairs can significantly increase the risk of a wiring-related fire. As a result, many homeowners wonder whether their insurance policy will cover the damage if an electrical fire...
Florida homeowners face a relentless barrage of weather-related threats, from powerful hurricanes and tropical storms to sudden hailstorms and wind-driven debris. Among the most common and financially significant types of damage to residential properties is window damage, which can compromise a home’s structural integrity, expose the interior to water intrusion, and create serious safety hazards...
What Is Theft Coverage in a Home Insurance Policy? Yes, most Florida homeowners’ insurance policies cover theft of personal property, subject to policy limits, deductibles, and specific exclusions. Theft is typically covered under the personal property section of your policy, whether it occurs inside your home or, in many cases, away from your residence. However,...
When a dishwasher floods a kitchen or a power surge destroys a refrigerator, most Florida homeowners want to know whether their homeowners’ insurance will cover the loss. The answer depends on the cause of the damage, not on the type or age of the appliance. Understanding that distinction before filing a claim can make the...
The Central Question Florida homeowners pay the highest average property insurance premiums in the country, more than 50 percent above the national average. For years, the insurance industry, state regulators, and the legislature pointed to one primary cause: excessive litigation and abuse of the legal system. Florida passed sweeping reforms in 2022 and 2023, stripping...
The mortgage company’s name appears on the insurance claim check because of a provision in the homeowner’s insurance policy known as the mortgagee clause, also called a loss payable clause. When a lender provides financing for a home purchase, the property serves as collateral for the loan. To protect that collateral, mortgage lenders require borrowers...