KKP Law Firm

What Does a Matching Exclusion Mean for Your Storm-Damaged Roof?

Leave a Comment / LOUISIANA /

Louisiana’s extreme weather makes homeowners particularly vulnerable to the effects of matching exclusions on their homeowner’s insurance policies. This seemingly small clause can have a big impact on how roof repairs are handled and what costs homeowners may need to cover out-of-pocket. How exactly does a matching exclusion affect your roof claim? Here’s what to know.

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When to Call a Lawyer for a Plumbing Damage Insurance Claim in Colorado

Leave a Comment / COLORADO /

Dealing with plumbing damage in your home is stressful enough, but when your insurance company denies, delays or underpays your claim, it can add a whole new layer of frustration. Plumbing issues can cause significant water damage that require costly repairs, and navigating the complexities of your homeowner’s insurance policy can be overwhelming. In some

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How Frequently Should Homeowners Shop Around for Insurance Coverage?

Leave a Comment / FLORIDA /

Homeowners insurance rates in Florida are going nowhere but up, at least that’s the way it’s been in recent years. While there is hope for some market relief due to legislative reforms, any change will be slow coming. Whether you live in a state with some of the most expensive premiums in the country (ahem, that’s

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What are Matching Exclusions, and Why Do They Matter for Your Louisiana Roof Claim?

Leave a Comment / LOUISIANA /

When filing a roof damage claim in Louisiana, understanding your homeowner’s insurance policy is crucial especially when it comes to something known as “matching exclusions.” These exclusions can significantly impact how much your insurer will pay for repairs and whether you’ll be able to restore your roof to its original appearance. What Are Matching Exclusions?

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Why are Florida Insurance Rates So High?

Leave a Comment / FLORIDA /

Homeowners in Florida have been facing skyrocketing insurance rates for years. Although legislative efforts have been taken to help avert a total collapse of the insurance industry, including passing Senate Bill 76 and Senate Bill 2-A in 2022, Florida is still an expensive state to insure property.  Below, we’ll explore reasons behind the high insurance rates in Florida and

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Understanding Water Damage Exclusions in Colorado Homeowner’s Insurance Policies

Leave a Comment / COLORADO /

Water damage is one of the most common reasons homeowners file insurance claims in Colorado, yet it’s also one of the most misunderstood areas of coverage. Unfortunately, not all water-related incidents are covered under standard dwelling policies, and many homeowners only discover these exclusions after it’s too late.  Don’t let this happen to you! In

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Next Steps After a Denied Roof Damage Insurance Claim in Louisiana

Leave a Comment / LOUISIANA /

Sometimes it’s hard to know which is worse – a storm ripping through and damaging your roof or receiving a letter saying that your claim for said damage is denied!  Together, these two devastating scenarios are a double-whammy for homeowners just trying to rebuild after a damaging event. Unfortunately, this stressful and frustrating experience is

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Rising Insurance Rates and What You Need to Watch for in Your Policy

Leave a Comment / COLORADO /

Rising insurance rates have become a growing concern for homeowners, especially in high-risk areas like Colorado. With factors such as severe weather, inflation, and increased claim costs driving premiums higher, it’s more important than ever to understand the details of your homeowners insurance policy. In this post, we’ll explore why insurance rates are increasing, what

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How Insurance Works When Homes Are Vacant in Colorado

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Owning a vacant home in Colorado comes with unique challenges and risks, especially when it comes to insurance coverage. Whether the property is a second home, a rental that’s temporarily unoccupied or a home undergoing renovations, it’s crucial to understand how insurance policies treat vacant homes. Insurance companies often impose different rules and exclusions for

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Can You Sue Your Insurance Company for Bad Faith in Florida?

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Yes, you can sue your insurance company for bad faith in Florida, but like all legal proceedings, it requires strong evidence, good documentation – and an experienced advocate at your side. Here’s more about bad faith law in Florida and steps you should take if you believe your insurance provider is acting in bad faith.  What is

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