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7 Signs of Leaky Pipes and What to Do If Your Home Sustained Water Damage
Articles, Blog, First Party InsuranceIt’s easy to underestimate the destructive power of water, but even a small leak can cause severe damage if left unaddressed. Unfortunately, just because you have homeowner’s insurance doesn’t mean your policy will cover your losses. Whether…

How Long Can Your Homeowner’s Insurance Company Delay Paying a Settled Claim?
Articles, Blog, First Party InsuranceThe costs of recovering from a hurricane, flood, fire, or other disaster will start accruing immediately after the incident. From emergency repairs to finding a temporary residence, there are a lot of expenses that you may have to cover out…

How Roof Repair Fraud Is Inflating Homeowner’s Insurance Rates in Florida
Articles, Blog, First Party InsuranceIt’s no secret that Florida has the highest homeowner’s insurance rates in the country. As we explained in a previous blog, premiums in Florida are 109-percent higher than the national average. Although our state’s vulnerability to hurricanes…

Insurance Claims from Hurricane Irma Approach $3.9 Billion
Articles, Blog, First Party Insurance, Personal InjuryHomeowner’s insurance claims following Hurricane Irma have reached $3.85 billion, according to a report from Artemis. More than 600,000 claims have been filed, but only about 14 percent of those claims have been closed, with an average claim…

Will Your Homeowner’s Insurance Cover Rain Damage?
Articles, Blog, First Party InsuranceIt's no secret that Florida is prone to major hurricane damage, and much of that destruction is caused by torrential rain and flash floods. Even if your home has never been hit by a major flood, rain can degrade your roof over time, which is…

Do You Have Flood Insurance in Florida?
Articles, Blog, Flood Insurance ClaimIn the aftermath of Hurricane Irma’s heavy rains and torrential floods, many homeowners around Florida have learned the hard way that foregoing flood insurance could be a costly mistake. The problem is that Florida has some of the highest…

What Are the Eligibility Criteria for FEMA Housing Assistance after a Hurricane?
Articles, Blog, First Party InsuranceIf your home was severely damaged or destroyed by a hurricane, you may be wondering how you will pay for your losses and restore your financial footing. Although your homeowners’ insurance should be your first source of recovery, your policy…

Florida Homeowners Aren’t Investing in Sinkhole Coverage
Articles, Blog, First Party InsuranceThe thought of your home being sucked into the ground might sound like something out of a 90s horror flick, but thousands of Floridians pay about $3,000 per year to insure their homes against that very thing. Florida may have more reported…

Floridians Turn to Flood Insurance after Record-Breaking Rainfall—Fort Lauderdale Insurance Lawyer Insights
Articles, Blog, First Party Insurance, Flood Insurance ClaimHeavy rains throughout Broward County have left many residents wondering how they will contend with the flood damage and restore their homes and businesses. Florida is one of the most flood-prone states, so you might be surprised to learn that…

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…

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…

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…

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…