Posts

Would a Wind Mitigation Inspection Reduce Your Homeowner's Insurance Premiums?
Articles, Blog, First Party InsuranceIf you own a home in Florida, then chances are your homeowner’s insurance payments take a sizeable bite out of your monthly budget. Although there are many potential ways to reduce your premiums, one of the most effective (and often overlooked)…

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 Should I Do If My Hurricane Damage Claim Is Denied?
Articles, Blog, Flood Insurance ClaimIn the wake of Hurricane Irma’s 124 mph winds and torrential floods, it has never been more important for Americans to stand together and help one another bounce back from such a historic catastrophe. If you are fortunate enough to have homeowner’s…

What Should I Do If My Roof Damage Claim Was Denied?
Articles, Blog, First Party InsuranceYou may already know that your homeowners’ insurance company has financial incentive to deny or undervalue your roof damage claim. It’s easy to feel hopeless if your claim was denied—especially if your entire roof needs to be replaced—but…

Will My Homeowners' Insurance Premiums Decrease If I Install Wind-Resistant Features on My Home?
Articles, Blog, First Party Insurance, Flood Insurance ClaimIt goes without saying that Florida is prone to hurricane damage, which is why our state has the highest homeowners’ insurance rates in the country. To reduce the overall impact of a major hurricane, a law went into effect on June 1, 2002…

7 Steps to Take When Filing a Homeowners’ Insurance Claim for Fire Damage
Articles, Blog, Flood Insurance ClaimFew forces in nature can match the destructive power of fire. If your home was severely damaged or destroyed by a fire, the cost of repairs or replacement can be exorbitant. Even if you carry homeowners’ insurance, your provider will look…

What Types of Water Damage Are Covered by Homeowners’ Insurance?
Articles, Blog, First Party Insurance, Flood Insurance ClaimWater damage is one of the most common claims filed by homeowners in Florida. Unfortunately, many people find themselves in a slippery situation when they discover that the damage to their home is only partially covered or not covered at all. Whether…

Contractor Lawsuits Blamed for Homeowners’ Insurance Rate Increase in Broward County
Articles, Blog, First Party InsuranceNews 4 Jax recently published some disconcerting projections regarding the cost of homeowners' insurance premiums over the coming years. According to the report, a person who owns a $150,000 home in south Florida can expect to pay $68 more per…

3 Tips to Keep in Mind When Purchasing Homeowner’s Insurance—Advice from an Insurance Lawyer in Fort Lauderdale
Articles, Blog, First Party InsuranceYour home is probably your most valuable asset, and if it sustains major damage, the language of your insurance policy could determine whether you maintain financial stability or fall into overwhelming debt. It is important, then, that you take…

Why Do Homeowners Lose When Insurance Companies Use Managed Repair Programs?
Articles, First Party Insurance, Managed RepairHomeowner’s insurance companies advertise their managed repair programs as if they were created to benefit the policyholder. Make no mistake: These programs are designed to boost the profits of the insurance company—often at the expense…

Can My Homeowner’s Insurance Company Deny My Claim If My Own Negligence Caused the Damage?
Articles, Blog, First Party InsuranceIf your home was damaged due to your own negligence, there’s a good chance that your insurance company will dispute your claim. For example, if you made negligent repairs or if you did not take reasonable measures to prevent damage to your…

9 Common Examples of Insurance Bad Faith
Articles, Blog, First Party InsuranceInsurance bad faith is defined as unreasonable or unfair conduct by an insurance company. If your insurance company acted in bad faith when interpreting your policy or investigating your claim, you may have grounds for a bad faith lawsuit against…

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…

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,…