Floridians: Do You Know What the Florida 25% Rule Regarding Roofs Is? Most Floridians are unaware of the Florida 25% rule contained within Florida’s Building Codes for residential and commercial properties. This rule can affect how much your insurance company...Read more
How Does Your HOA Affect Your Homeowner’s Damage Insurance Claims?
If you live in a condo or townhome, chances are you have a homeowner’s association (HOA). You could also have an HOA if you live in a gated, deed restricted, or newer subdivision in a single-family dwelling. It is important...Read more
Homeowner’s Insurance Burst Pipe Claims: What You Need to Know
After a long day at work, you come home to water running out from under your garage door. You open the door and notice water is also running from under the door to your home. Panic starts to quickly set...Read more
7 Reasons It’s More Expensive NOT to Have Homeowners Insurance
Homeowners insurance can be a monthly expense that you question when you review your budget. Maybe you've had trouble collecting on claims without insurance claim assistance in the past, or the benefits of paying for coverage are not obvious in...Read more
Toxic Mold Claim Denied? This Is Your Legal Recourse
In Florida, many homeowner insurance policies are written to include mold damage claims. However, the wording of the individual policies and coverage limits can create headaches and hassles for homeowners when they must file a claim. Some policies are written...Read more
Homeowners Insurance 101: What Does “Roof Exclusion” in a Policy Mean?
Some homeowners in Florida are taking a gamble with their insurance coverage by opting for a roof exclusion in order to save a few hundred dollars on their annual premiums. Taking this risk can have far-reaching consequences, especially during a...Read more
Filing a Homeowner’s Insurance Claim for Roof Damage: What Is Roof Exclusion?
You might think your home and roof are fully protected in the event of a fire, flood, tropical storm, hurricane, or another such event that creates damages. However, after filing a homeowner’s insurance claim for roof damages, your insurance company...Read more
When Will a Home Insurance Claim Officially Be Closed in Florida?
Florida is one state where homeowners can reopen a closed home insurance claim after it has been settled. However, there is a statute of limitations, which is currently five years. If you wait until after this period of time, then...Read more
Homeowners Insurance Disputes: Who Pays for Damages from a Man-Made Disaster?
When your home is damaged and you file a claim with your insurance company, they will determine whether the damages were man-made or caused by a natural disaster. Depending on the type of coverage you have, policy limits, and other...Read more
Property Insurance: A Necessary Evil
Homeowners Insurance Dispute Attorneys: Why You Need One You are not required to have homeowners insurance unless you have a mortgage. Your mortgage lender requires borrowers you to have the basic amount of coverage to protect their interests in case...Read more