
What Should I Do If My Homeowner’s Insurance Company Only Partially Covers My Roof Repair?
Articles, Blog, First Party InsuranceAccording to the Insurance Journal, roof damage is one of the primary causes of homeowner’s insurance claims. Hurricane-force winds, falling tree limbs, hail, and countless other factors can wreak havoc on a roof. Unfortunately, many claimants…

3 Questions to Ask before You Purchase a Homeowner’s Insurance Policy
Articles, Blog, First Party InsuranceOwning a home is an integral part of the American Dream, but as you may already know, buying such an expensive asset comes with a multitude of financial considerations. If you’re like most Floridians, your home will be one of your most valuable…

What Is the Florida Hurricane Catastrophe Fund?
Articles, Blog, First Party InsuranceAfter Hurricane Andrew wreaked havoc on the state of Florida in 1993, a special legislative session was held to address the exorbitant cost of insurance payouts after catastrophic hurricanes. During this session, the Florida Hurricane Catastrophe…

Do I Need Sinkhole Coverage for My Home?
Articles, Blog, First Party InsuranceSinkhole damage might not be as common as high winds and heavy rain, but it can wreak havoc on your home or commercial property. There are more sinkholes in Florida than in any other state, so if you have the budget to purchase sinkhole coverage,…

Should I Purchase a “Named Peril” or an “All Risks” Insurance Policy?
Articles, Blog, First Party InsuranceFlorida has higher homeowner’s insurance rates than any other state. One potential way to reduce your premiums is to purchase a “named peril” insurance policy rather than an “all risks” insurance policy. However, before you make the…

When Can a Homeowner’s Insurance Company Deny a Water Damage Claim?
Articles, Blog, First Party InsuranceSome homeowner’s insurance policies in Florida will cover water damage caused by wind-propelled rain but many have restrictions and exclusions that you may not realize exist. For example, if your home sustains roof damage and wind blows rain…

What Is “Insurance Bad Faith?” Fort Lauderdale Insurance Attorney Explains
Articles, Blog, First Party InsuranceInsurance bad faith describes a claim that a policyholder makes against an insurance company due to unethical or unlawful business practices. In most jurisdictions of the United States, insurance providers owe a duty of good faith and fair dealing…

Do Homeowner’s Insurance Policies in Florida Cover Sinkhole Damage?
Articles, Blog, First Party InsuranceFlorida has more sinkholes than any other state, and they can cause catastrophic damage to a home. Sinkholes are cavities in the ground that usually form in limestone bedrock. They are often caused by water erosion, which leads to a collapse…

Do You Know the Top 4 Causes of Home Destruction over the Holidays?
Blog, First Party InsurancePowerful hurricanes, rainstorms, and fire – there are countless ways a home could suffer unexpected damage. Although serious fires and floods can wreak havoc on any day of the year, homes are particularly vulnerable to damage over the holidays. According…

Did Your Homeowner’s Insurance Company Deny Your Claim Due to Design Defects?
Blog, First Party InsuranceA recent case has given hope to property owners whose claims were denied by profit-minded insurance companies due to construction or design defects. On December 1, the Florida Supreme Court ruled in favor of John Robert Sebo, who was denied…

4 Scenarios When You Should Immediately Contact a Homeowners’ Insurance Claims
Articles, Blog, First Party InsuranceFloridians are still recovering from Hurricane Matthew’s strong winds and heavy rains. The storm closed hundreds of businesses and caused billions of dollars in damage to residential and commercial properties. Sadly, many homeowners learned…

What Are My Options If My Homeowner’s Insurance Company’s Contractor Damaged My Home during Repairs?
Articles, Blog, First Party InsuranceThere once was a time when homeowners could choose their own contractor to repair a roof leak, mold outbreak or other damage. The insurance company would then reimburse these costs. Although some homeowner’s insurance providers still…

Rental and Condo Insurance: Are You Truly Aware of What Your Policy Will Cover?
Articles, Blog, First Party Insurance, Flood Insurance ClaimThey are beautiful, luxurious, and provide a number of different amenities for you and your family to enjoy. Condominiums and apartments are sprouting up all around the state of Florida as the demand to live in the Sunshine State rises. But…

Hurricane and Flood insight and tips
Articles, Blog, First Party Insurance, Flood Insurance ClaimSome insight and tips shared with me from a friend with some minor revision from me: Were you preparing for a flood from Hurricane Hermine that hit with some warning or even if it surprised you, most flood policyholders are in the same position:…

How Can You Avoid Hiring a Fraudulent Company to Repair Your Home?
Articles, Blog, First Party Insurance, Managed RepairOur home insurance claims lawyers here at Leader & Leader P.A. are here to tell you that as you may be preparing to have your home repaired from water damage, fire, flood or other damage caused by an accident or nature, be wary of who you…