Our Florida Property & Personal Injury Insurance Claims FAQs
Do you have questions about Florida residential, commercial property insurance claims, or personal injury related insurance claims? Browse our FAQs to learn what to expect and how to protect your right to compensation after storm damage, sinkhole damage, roof damage, car accidents, slip and falls and other types of insurance claim disputes.
Force-placed insurance, also known as lender-placed insurance, is a type of insurance coverage that a mortgage lender can purchase on behalf of a homeowner when the borrower’s existing property insurance lapses, is canceled, or is deemed insufficient. This coverage protects the lender’s financial ...
When your Florida home is damaged by a hurricane, water leak, or storm, your first call is usually to your insurance company. But what happens when the insurer decides who will repair your home, not you? This is the core issue behind managed repair programs (MRPs), and they’re becoming increasingly controversial across Florida.
A breach of contract refers to a failure to fulfill the obligations or responsibilities required of a party by a legal contract or agreement. It can refer to any action or omission that violates the contract’s language, terms, or provisions by either party involved. An insurance breach of contract refers explicitly to an insurance provider failing to fulfill a contract’s agreed-upon...
Florida Business Interruption Insurance
Business interruption insurance is a type of commercial insurance coverage that helps protect Florida businesses from financial losses when they’re forced to close or reduce operations due to a covered peril temporarily. This coverage is crucial in Flo...
Understanding Ensuing Loss Clauses
An ensuing loss clause is a provision in property insurance policies that essentially acts as an exception to an exclusion. In simple terms, it means that while damage caused by specific excluded perils (like faulty craftsmanship or ...
When your Florida home is damaged by a hurricane, water leak, or storm, your first call is usually to your insurance company. But what happens when the insurer decides who will repair your home, not you? This is the core issue behind managed repair programs (MRPs), and they’re becoming increasingly controversial across Florida.
A breach of contract refers to a failure to fulfill the obligations or responsibilities required of a party by a legal contract or agreement. It can refer to any action or omission that violates the contract’s language, terms, or provisions by either party involved. An insurance breach of contract refers explicitly to an insurance provider failing to fulfill a contract’s agreed-upon...
Determining whether your storm damage was caused by a hurricane instead of a regular storm can substantially affect the coverage you can get from your insurance policy. To ensure you get the full benefit of your insurance coverage, you need to understand the insurance policy definitions and exclusions that may apply.
Hurricane for Insurance Purposes
A hurricane...
When protecting your property, homeowners’ insurance is your first line of defense. But many homeowners are surprised to learn that while their homeowner’s insurance covers damage to the garage, it typically does not cover vehicles stored inside. Let’s break down exactly what your policy does and does not include regarding cars in your garage.
Avoid Giving a Statement: Do not provide a recorded statement without consulting your lawyer.
Do Not Sign Anything: Avoid signing documents or settlement offers without legal advice.
Contact Your Lawyer: Inform your personal injury lawyer
When your home or property suffers damage, waiting for your insurance company to pay your claim can be stressful and financially devastating. Florida law establishes specific deadlines that insurance companies must follow when processing and paying claims, giving you essential rights as a policyholder.
The 90-Day Ru...
Ordinance or Law Coverage is additional property insurance coverage that pays for the increased costs of rebuilding or repairing your property to meet current building codes and ordinances. When a covered loss damages your home or commercial building, this coverage bridges the gap between what your standard propert...
An anti-concurrent causation (ACC) clause is a provision in property insurance policies that allows insurance companies to deny coverage when damage results from both a covered peril and an excluded peril acting together, even if the covered peril was the primary cause of the loss.
Delays and lowball offers are unfortunately common after major fire losses. If your insurer is dragging its feet, disputing your damage estimate, or offering far less than repairs actually cost, you have legal options. A lawyer experienced in Learn More
Re-piping refers to the replacement of the plumbing pipes throughout a home or building, usually due to aging, corrosion, or material failure. In many older Florida homes, cast iron or galvanized steel pipes were commonly installed, and th...
Discovering that your property insurance claim has been denied due to pre-existing damage can be frustrating and confusing. Insurance companies frequently use this reason to avoid paying legitimate claims, but understanding your rights and the law can help you challenge an unfair denial.