Homes built in Florida before approximately 1975 were constructed with cast-iron drain, waste, and vent plumbing systems. At the time of construction, cast iron was the industry standard, and those systems were built to last decades. Today, however, tens of thousands of Florida homeowners are discovering that those pipes have reached and exceeded their functional...
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Florida Property and Personal Injury Insurance Claims
Does Homeowners Insurance Cover Fires Caused by Faulty Wiring? Home fires caused by faulty electrical wiring remain among the leading causes of residential property damage across the United States, particularly in states like Florida, where aging infrastructure and DIY repairs are common. Understanding whether homeowners’ insurance covers fires caused by faulty wiring is crucial for...
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...
If you’re a Florida homeowner, you’ve likely experienced the gut-wrenching moment of opening your insurance renewal notice only to find your premiums have skyrocketed or worse, your policy has been non-renewed entirely. You’re not alone. Florida homeowners are paying three times the national average for home insurance, and the situation continues to deteriorate. Insurance companies...
If you received a homeowners’ insurance settlement check and found your mortgage company named as a co-payee alongside you, you did not receive the wrong check. This is standard practice under Florida law and the terms of virtually every residential mortgage agreement. Your lender has a financial interest in the property it financed. When that...
What Should You Avoid When Filing a Home Insurance Claim in Florida? Filing a home insurance claim in Florida can be far more complex than most homeowners expect. A single mistake during the process can delay your claim, reduce your payout, or even result in a denial. One of the most damaging errors is waiting...