After Hurricane Irma last year, many Floridians were not entirely sure if they should file a claim for damages from the storm. With the 2018 hurricane season underway, let’s do a review of hurricane insurance, when and when not to...Read more
Does Homeowner’s Insurance Include Plumbing and Burst Pipes?
Whether or not your insurance company will reimburse you for damages caused by broken plumbing and burst pipes inside and outside your home largely depends on the causes of the damages. Most insurance companies view plumbing as a maintenance item,...Read more
Why Your Homeowner’s Insurance May Not Cover Mold Damage
Mold and mildew can be serious concerns and a problem for Floridians. The warm weather, humidity, and proximity to the Gulf and the Atlantic can be the perfect conditions to promote mold and mildew growth on the outside and inside...Read more
Is There a Difference Between Theft, Vandalism, and Burglary Insurance Claims?
When someone intentionally and purposely damages your home or takes your property, it is important to know which type of insurance claim you need to file. There are differences between theft, vandalism, and burglary that could affect your insurance claim....Read more
Florida 25% Rule Regarding Roofs
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
Faulty Home Construction: What Types of Protections Do You Have?
If you decided to build your dream home or purchased a newly constructed home, you have certain protections should you discover defects in workmanship and faulty home construction. It is understood that you purchased the home in good faith, meaning...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