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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…

My Hurricane Damage Claim Was Denied—Do I Have Grounds for a Lawsuit?
Articles, Blog, First Party InsuranceHurricane Irma has caused historical destruction in all of Florida’s 67 counties. With 124 mph winds, torrential floods, and reported tornados, millions of properties have been damaged and countless victims have been left wondering how they…

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…

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…

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…

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…

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…