Protecting your home and finances with an adequate homeowner’s insurance policy is one of the most important ways to mitigate risk in the event of a damaging event. However, not all insurance policies are created equally, and many homeowners are surprised by the fine print when it’s time to file a claim. Understanding the details
What to Watch Out for in Your Florida Homeowner’s Insurance Policy Read More »
When Florida homeowners file insurance claims for property damage, a contentious issue they may find themselves up against is related to “matching.” Matching refers to the insurer’s obligation to ensure repairs blend seamlessly with undamaged portions of the property to avoid a patchy or inconsistent look (think roof shingles, siding, and the like). It’s important
Are There Matching Exclusions in Florida? Read More »
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
How Frequently Should Homeowners Shop Around for Insurance Coverage? Read More »
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
Why are Florida Insurance Rates So High? Read More »
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
Can You Sue Your Insurance Company for Bad Faith in Florida? Read More »
As a homeowner in Florida, dealing with damage to your property is stressful enough, but what happens when your insurance company isn’t acting in good faith? Unfortunately, bad faith insurance practices are not uncommon, and understanding how to recognize them is essential to protecting your rights and ensuring you get the compensation you’re entitled to.
How to Recognize the Signs of Bad Faith Insurance Practices in Florida Read More »
As storm season in Florida comes to a close, the next few months are opportune times to have your property reinspected for damage. Regardless of the age or condition of your home, getting fresh images and documentation related to the state of your roof and property’s exterior can prove invaluable if and when you do
Why You Should Get a Property Inspection Now Read More »
Wind damage is an all-too-common reality for Florida homeowners. From powerful hurricanes to severe thunderstorms, high winds can wreak havoc on roofs, windows, and other parts of your property. When this happens, your first instinct might be to contact your insurance company. However, the most critical first step is often overlooked: calling an attorney. Here’s
Experience Wind Damage to Your Florida Home? Step One: Call an Attorney Read More »
Insurance policies in Florida may have several different deductibles depending on your coverage. It’s important to review your policy terms carefully to understand your financial obligations as certain deductibles can set you back significantly, especially if you aren’t prepared. Deductibles like named-storm deductiblesand wind and hail deductibles can be particularly confusing to homeowners in Florida. Here
What is a Wind and Hail Deductible? Read More »
Some homeowner’s insurance policies in Florida (and other states like Louisiana as well) have what’s called a named-storm deductible. This type of deductible differs from the standard deductible found in your policy. Rather, it only applies when you file an insurance claim for damage caused by storms that have been officially named by the National
What is a Named-Storm Deductible? Read More »
