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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 Question Florida Homeowners Deserve Answered Florida homeowners pay some of the highest property insurance premiums in the country. For years, policyholders were told that one issue was largely to blame: excessive litigation. That narrative helped drive sweeping insurance reforms in 2022 and 2023. Those reforms changed the legal landscape for Florida policyholders and made...

The insurance company may list the mortgage company on a homeowners insurance claim check because the policy includes a mortgagee clause, sometimes called a loss payable clause. When a lender finances a home, the home secures the mortgage loan. To protect that interest, the lender requires the homeowner to maintain property insurance and list the...

Mistakes That Can Hurt Your Tampa Home Insurance Claim Tampa homeowners purchase insurance with the expectation that it will provide financial protection when disaster strikes. Whether a home is damaged by a hurricane, tropical storm, windstorm, fire, water leak, lightning strike, hailstorm, or another covered event, policyholders expect their insurance company to fairly investigate the...

From the moment a property insurance claim is reported, the insurance company begins evaluating the facts, the damage, the policy language, and every statement made about the loss. A recorded statement is not always a harmless formality. It can become part of the claim file and may later be used to challenge coverage, causation, the...

Water damage is one of the most common and expensive reasons Tampa homeowners file insurance claims. A burst pipe, a failed water heater, a hidden plumbing leak, an overflowing appliance, or a broken washing machine supply line can quickly send water through floors, walls, cabinetry, and ceilings, leaving homeowners with costly repairs and an insurance...

Florida homeowners’ insurance policies cover mold damage only when the mold results from a covered peril. If the water intrusion that caused the mold is covered under the policy, mold remediation is generally covered as a resulting loss. If the water source is excluded, the mold claim will be denied. Because Florida’s subtropical climate creates...

Did GEICO Deny Your Accident Claim? After a car accident in Florida, the last thing you expect is resistance from your own insurance company. Yet many accident victims find themselves facing denied or underpaid claims from GEICO, often at a time when medical bills are piling up, and financial pressure is mounting. If your claim...