Call For Your Free Quote: 305-443-6321

Miami insurance lawyer

Avoid Costly Home Insurance Pitfalls

The 2020 storm season has been an active one and has included close calls like Hurricane Isaias which came dangerously close to South Florida before shifting direction. As more storms arise, it’s important to be prepared when it comes to home insurance. That also means avoiding common pitfalls that may end up being costly. Strongly…Continued

Storm Damage? Here Is What You May Need to Do

Florida has dodged any major storms and will hopefully continue to do so for the rest of the year. However, should one decide to visit South Florida, would you know the steps to take if you need to file a claim with your insurance provider? You may wish to start by determining if flooding, wind,…Continued

Storm on the Horizon? Maximize Your Smartphone Battery

The latest set of storms spared South Florida but in the event one does hit, it’s likely your phone will be integral in staying connected. As with any piece of electronics, it will rely on power. How can you optimize the use of the battery so it lasts as long as possible? Use the power-saving…Continued

How and Why Hurricanes Get Their Names

This year’s Atlantic hurricane season is expected to be a busy one. The NOAA’s forecast reveals that throughout the months of June to November there are 13-19 named storms, 6-10 of those storms have potential to become hurricanes with 74 mile winds, and 3-6 of those have the potential of developing into 3,4 or 5…Continued

Prepare Your Home for a Hurricane

Hurricane season runs from June to November. The damage these natural disasters can cause brings hysteria to the public, even more so now while we are going through a pandemic. Securing your home before a hurricane is important to prevent further damages and losses. Trees can be hazardous during a hurricane. High winds can cause…Continued

Does the Roof Need Repairs or a Replacement?

The roof is a large part of the foundation of your house, and it greatly affects how the house can withstand a major storm or how hot it will get during seasons like summer. This further highlights the value of carefully evaluating whether the roof can merely be patched, or whether it needs to be…Continued

Preparing Your Business for a Hurricane

With hurricane season having arrived, it is crucial to always be prepared. Securing your home for natural disasters is always at the top of one’s list. What about securing your business? For most business owners, preparing their business for a hurricane means securing their location. Making sure your work space is fortified is necessary, but…Continued

Recent Data Reinforces Florida’s Expensive Insurance Premiums

Florida homeowners are already known for paying some of the highest premiums in the country, and that is once again being reinforced with some recent data being released by the National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute. Florida managed to earn second place as the state with the highest premiums, bested…Continued

Preparing for Hurricane Season

Hurricane season has arrived, and it can cause property damage as well as disrupt businesses. It is important that you are prepared for a worst-case scenario, and there is no better time than now before the threat is looming. If you wait until a hurricane watch or threat is issued it may be too late…Continued

Premium Hikes May Be on the Way for Florida Property Owners

Homeowners across the state of Florida pay some of the highest insurance premiums in the country and according to a recent Sun-Sentinel article, the prices will soon get worse. Premiums are expected to see a considerable uptick as insurance companies try to grapple with the cost of providing coverage needed following the devastating effects of…Continued

How Your Insurance Policy Protects You

Among the many reasons why it’s so important to know your insurance policy is because there is only so much governments will do for you in the event your home suffers extensive damage due to a storm. FEMA, for example, may provide disaster grants that don’t require repayment. However, the amount provided by these grants…Continued

Hurricane Preparedness 101

With hurricane season in full swing and weather analysts predicting an above-average number of storms, you may wish to start preparing in case a major storm does decide to make its way to South Florida. The following tips may seem familiar but are worth highlighting, especially for first-time homeowners that have yet to experience the…Continued

Hurricane Season in the Age of COVID-19

The COVID-19 pandemic has radically changed the way people go about their daily lives. With hurricane season on the horizon and forecasts predicting an above-average season, it’s likely going to be much different. A Sun-Sentinel article presents a few scenarios that may occur as a result of the coronavirus. For example, power outages may take…Continued

How Familiar Are You with Your Insurance Policy?

On June 1, hurricane season officially. As we’ve discussed in the past, now is when you should be taking a close look at your insurance policy. Do you understand all of the terms? Are you aware of what is and isn’t covered? An article on Florida Today presents some valid points about why it’s so…Continued

Florida Makes Hurricane Plans in the Age of COVID-19

As Florida makes some small strides in selectively re-opening, the looming arrival of hurricane season remains. State officials are now brainstorming on what should be done should COVID-19 linger into the start of the storm season. As of this writing, over 35,000 cases of coronavirus have been confirmed. When a hurricane is heading for the…Continued

Florida Case May Redefine a Disinterested Appraiser

An appeal panel is asking Florida’s highest court to determine if homeowners’ insurance policyholders need to employ a pair of experts to investigate property-damage claims rejected by their insurance providers as opposed to a single public adjuster who may also act as a disinterested appraiser. The Third District Court of Appeal rejected State Farm Florida…Continued

What Exactly Is Covered By Your Insurance Policy?

As is the case with many homeowners, the best asset you have is likely your house. Protecting it will be high on the agenda. Plus, nearly every mortgage lender has requirements in place mandating that homeowners purchase home insurance. That makes sense: Even if your home suffers catastrophic damage, your lender needs to get repaid.…Continued

Know What to Do During Hurricane Season

Hurricane season starts in less than two months, which highlights the value of knowing what to do should a hurricane decide to target South Florida. Instead of discussing what steps homeowners should take, let’s discuss those that they shouldn’t take. Refrain from waiting. When a big storm causes damage to several properties, insurance companies may…Continued

What’s Personal Property Insurance All About?

We collect a lot of personal belongings as the years go by, and some of it may be worth more than a person may realize. You’ll want to ensure you have the right personal property insurance to help cover the property in case it gets lost, gets stolen, or is destroyed. It may also be…Continued

Check Your Policy Terms Before Hurricane Season

A CNBC article tells the story of a homeowner whose property sustained damage following a tornado. Though the home was only damaged externally, he found out that his homeowners’ insurance policy did not cover all of the damage. While the policy terms provided the coverage to replace the roof entirely, the siding of the home…Continued

Florida Homeowners May Soon Need a New Insurer

Do you have an insurance policy with Anchor Property and Casualty Insurance Co. or Homeowners Choice Property and Casualty Insurance Co.? If so, you may be among the thousands of homeowners forced to switch to a new insurer once the spring season arrives. According to a CBS Miami article, Anchor’s financial stability rating was downgraded.…Continued

Your Home May Need an Inspection

The road to purchasing a new insurance policy for your home isn’t always as straightforward as it should ideally be. In some cases, it may be necessary to have an inspection done, depending on the insurance company. Furthermore, options are vast when it comes to choosing an inspector, potentially adding to the complications. Based on…Continued

FEMA Is Revising Its South Florida Flood Maps

If you’re among the many Florida homeowners that are not required to have flood insurance, your home’s status may soon change. The Federal Emergency Management Agency (FEMA) is re-evaluating its South Florida flood risk zones. These maps have remained in effect in 2017 and they dictate whether you have the option of purchasing flood insurance…Continued

What Factors Affect Your Insurance Premium?

Homeowners insurance in Florida is a major expense and depending on several factors, your insurance premium may be higher. There are ways you can potentially bring down rates, but many factors are circumstances beyond your control. Let’s take the age and construction of your home, for instance. Depending on the type of construction and when…Continued

It’s Time for Your Home Check-Up

We’re approaching the end of the first month of 2020, have you done your annual check-up yet? Similar to how doctors recommend you visit them each year to make sure the body is running in good shape, your home and your insurance policy deserve some attention. For starters, if you haven’t already done so, now…Continued

First Time Homeowner? Save Money on Repairs

It’s a new year and that means many people may be thinking about becoming first-time homeowners in 2020. Homeownership can be a rewarding milestone but it’s also one that comes with potential costs that need to be taken into account, alongside mortgage payments. A major difference between a homeowner and renting is that there is…Continued

Differentiating Renter and Homeowner Insurance

Will you be renting a home or apartment in 2020? The landlord may require purchasing renters insurance. Having a solid foundation of what this insurance is all about can save you from major losses if a disaster happens to strike. Damage to the property is protected by homeowners insurance. A standard policy would protect the…Continued

Smart Technology Is a Win-Win for Homeowners and Insurers

Privacy concerns aside, smart home technology goes a long way in making homes safer. Cameras and smoke detectors are more connected to ever, potentially preventing a situation from becoming worse or disastrous. Insurance companies have noticed what smart home technology. Thanks to modern cameras and cutting-edge sensors, this technology can help with reducing the odds…Continued

Citizens Policyholders May See Lower Rates

When Florida passed assignment of benefits (AOB) reform back in July, it came as great news to insurance companies. The head of Citizens Property Insurance Corp has states he’s noticed a difference. In the meantime, most Citizens policyholders may see premium relief from the new law as the post-AOB overhaul rate of the insurer is…Continued

When Insurance Adjusters Pay a Visit

With so many adjusters attempting to reduce what the insurance company has to pay out, it’s understandable if the homeowner feels nervous when it’s time for one to pay a visit. While not all adjusters are bad, they have a job to do and it’s often though not always against the best interests of the…Continued

Flood Insurance Rates Staying Put for Now

Some good news has emerged for Floridians with flood insurance or those will be obtaining flood insurance soon. A potential overhaul of the National Flood Insurance Program (NFIP) intended to change the way NFIP charges policyholders to adapt to climate change has been delayed for a year after some input from Congress. The original plans…Continued

Liability Coverage Is Essential

Homeowners insurance is usually designed to help restore or replace your home and property if some insured risks, such as fire or robbery, harm them. If a guest is injured in your house, and you unintentionally harm the property of another party, most homeowner policies also provide liability coverage. The homeowners’ insurance personal liability section…Continued

Maximize Your Insurance Claim

At its essence, a homeowner’s insurance policy is designed to protect you from the unexpected. However, insurers are still looking to make money. Hence, when it’s time to file a claim, they may attempt to give you what’s called a “lowball” offer, with the hopes the offer is accepted and property repairs can proceed with…Continued

Your Dream Home May Be a Flood Risk

When purchasing a home, you want to have full disclosure about any issues it may have. That’s one of the reasons why it’s highly suggested to have a home inspection done. But what do you do in a situation where you find out the home is a major flood risk after you purchased it? An…Continued

Save Money on Insurance with a Security System

Modern security systems feature robust technology designed to keep your home, family, and belongings safe. Many homeowners’ insurance policies also give discounts if you have a security and/or alarm system installed in your home. However, make sure you talk to your insurer or agent as there may be restrictions on what they consider to be…Continued

South Florida Property Owners File Hurricane Dorian Claims

Numerous South Floridians filed insurance claims due to damage from Hurricane Dorian, even though the storm never made landfall in Florida. According to the Florida Office of Insurance Regulation, close to 4,000 insurance claims were submitted, with over 900 of those coming from Palm Beach, Broward, and Miami-Dade County. Most of these claims appear to…Continued

Debunking Myths Surrounding Flood Insurance

  Flooding can quickly damage your home and belongings and since we’re still in hurricane season, it’s worth reminding and reinforcing to homeowners that floods are typically not covered in most insurance policies. Though some homeowners’ insurance policies will provide coverage if, for example, a pipe were to burst inside of the home, flooding due…Continued

Does Your Policy Cover Pets ?

    While many of us view pets are four-legged members of the family, it’s worth remembering that these are animals which, if scared or agitated, can become aggressive and possibly bite someone. With the holiday season just around the corner, you’re probably going to have more people over; make sure you’re protecting yourself from…Continued

Halloween and Your Insurance Policy

October is here which means this month we’ll be celebrating Halloween. The day remains popular as children and adults alike dress up in costume. However, Halloween is also notorious for the havoc it can cause. The use of rotten eggs or “egging”, for example, is a common tradition that may cause damage to a home.…Continued

Major Storms Reinforce the Need for Protection

The damage caused by Hurricane Andrew back in 1992 forced builders and lawmakers to implement stricter building so homes and buildings throughout South Florida could tolerate Category 5 winds. Following the storms of 2004 and 2005, Florida Power & Light also upgraded its system to withstand winds up to 145 mph after Hurricane Wilma knocked…Continued

Miami Makes Changes to Flood Maps

When’s the last time you checked whether your home is located in a flood zone? Flood maps in Miami were recently tweaked, which means Miami’s changes and amendments to flood maps and related ordinances will bring about major changes. The properties on the revised maps are now situated in special flood hazard areas. This means…Continued

Prepare Your Home for the Next Storm

Now that Hurricane Dorian has come and gone, it’s a good time to make preparations in case there is another storm looming in the tropics. Being prepared can make a world of difference when you’re scrambling to take care of any damage caused by a storm. One thing you can start doing right now is…Continued

Storm Damage? Here’s What to Do

Hurricane Dorian managed to steer mostly clear of South Florida, sparing it from some potentially catastrophic damage. However, hurricane season isn’t officially over until the end of November. In the event a hurricane does pay a visit to South Florida, would you know what steps to take to file an insurance claim?   One of…Continued

Should You Replace or Repair the Roof?

The roof is a major part of your home’s infrastructure, and it factors heavily in how the home will survive a major storm or how hot it may become during the warmer seasons. This only reinforces how important it is to carefully consider whether it should simply be repaired or if it needs to be…Continued

Hurricane Dorian Is on the Way, Prepare Now

The latest updates on Hurricane Dorian suggest the storm may turn into a category three before it makes landfall in Florida. If you haven’t already done so, time is running out to prepare for the storm as stores in South Florida are quickly running out of supplies like bottled water, and lines become endlessly long.…Continued

Watching the Movements of Tropical Storm Dorian

After dodging storms for most of the summer, all eyes are now on Tropical Storm Dorian, which may affect Florida this weekend. Though it may change its course or weaken by the time it gets closer, now is the time to carefully examine your Hurricane 2019 plan. If you live in an inland flood zone,…Continued

Preparing for a Hurricane: Your Pets

Mother Nature has remained mostly dormant when it comes to sending hurricanes towards South Florida, and hopefully, it will stay that way. Besides having your emergency preparedness kit ready in the event a major storm hits, it’s also important to think about the four-legged members of the family. When it comes to priority, pets, unfortunately,…Continued

Smartphone Tips Following a Storm

As hurricane season continues, chances are you’ll be using your phone as a means of staying connected in the event a storm does indeed wreak havoc and cause power outages. Just like any other electronic device, even your phone will eventually require power to charge its battery. How do you maximize the battery usage to…Continued

Tips for When the Storm Hits

We’ve talked a lot about the steps to take prior to the arrival of a hurricane, but what should you do if it does hit? Do you know how to protect yourself and your family during and after the major storm has passed? Let’s examine a few tips. During a hurricane, you want to make…Continued

Protect Your Home from Storms of Any Size

It’s August and so far, South Florida has managed to dodge any major storms like a hurricane. However, smaller storms have been occurring on an almost daily basis, which means homes are still susceptible to damage albeit at a smaller degree. As a homeowner, would you know how to proceed if something were to happen?…Continued

Think of Family Needs for Your Hurricane Preparation

Have you put together your hurricane preparedness kit yet? We previously mentioned the importance of having things like cash on hand in the event you need money and are unable to use an ATM due to a lack of electricity. Your family is just as important. Let’s say you live with an elderly individual. Depending…Continued

Citizens Receives Approval for Rate Hikes

Citizens Property Insurance Corp. policyholders living in Palm Beach and Broward County won’t be seeing any reductions when it comes to their insurance rate. The last resort insurer recently received the OK from Florida’s Office of Insurance Regulation to raise rates for the thousands of customers with a multiperil residential policy. These rates will be…Continued

Will Your Insurance Policy Properly Protect Your Home?

With Barry officially being named a tropical storm, it’s worth keeping in mind the damage a storm can cost. While lives are the priority, it’s also important to take into account your property. Do you know what a standard policy does and doesn’t cover? A standard homeowners policy will protect four primary things: your dwelling…Continued

Preparing Children for a Hurricane

Hurricane season is in full swing and while no storm is on the horizon for Florida, it’s still important that you know what to do in the event a hurricane does makes its way to South Florida. If you have children that have yet to experience a hurricane or the process involved in the preparation,…Continued

New Florida Insurance Bills Will Soon Go into Effect

The month of July begins next week and there are several laws that will be going into effect, many of them related to insurance. Perhaps the most notable of these is HB 7065 which will focus on overhauling assignment of benefits (AOB). Among the provisions expected in HB 7065, it will limit one-way attorney’s fees…Continued

Citizens Rethinks Its Rate Hikes

South Florida homeowners insured with Citizens Property Insurance are receiving some welcome news after the insurer announced it will be re-evaluating its decision to hike rates as it originally intended. Instead of raising rates by just over eight percent, the last-resort insurer will now be scaling back by raising residential premiums by 4.7 percent. Over…Continued

Protect Your Home This Summer

The summer season begins this Friday, which means many of us will be probably venturing off to another part of the country or the world to make the most of the season. Instead of constantly worrying about your home, some simple tips can give you some degree of peace of mind and help keep the…Continued

Prepare Florida Provides Useful Storm Resources

Now that hurricane season is here, Florida’s Chief Financial Officer is looking to assist Floridians with taking the important and necessary steps to prepare their home as well as their finances should a disaster occur. Appropriately dubbed Prepare Florida, the initiative includes a breadth of resources and information for homeowners regarding all things related to…Continued

Have You Checked Your Policy Coverage?

  Hurricane season is here and although forecasters appear to be suggesting a slightly below average season, history has shown that just one storm regardless of the category can result in millions of dollars in damage. Now is the time to start making preparations while Mother Nature remains calm. One easy way to start preparing…Continued

With Insurance Reform, Will Rates Soon Decrease?

After years of gridlock, Florida insurance reform has arrived, saving the insurance industry potentially millions of dollars. Considering all of the money being saved, policyholders can expect to see steep premium discounts, correct? Not necessarily. Last week, Florida Governor Ron DeSantis signed several property insurance reforms aimed at reducing the amount of lawsuits filed by…Continued

Florida Homeowners Show Greater Storm Concern

With four major storms during the past three years (one of those being a highly dangerous category five), a AAA survey shows that just over ninety percent of Floridians are considerably concerned about the 2019 hurricane season. Despite the uptick in concerned Florida homeowners versus last year, the increased fears may not be spurring homeowners…Continued

A Home Evaluation May Save You on Insurance

The official start of hurricane season is imminent and now is the perfect time to start making sure your home is prepared in the event a major storm decides to pass through South Florida. The following improvements may help with protecting your home and they can potentially reduce the cost of your homeowner’s insurance. We’ll…Continued

State Farm Announces Changes to Its Insurance Rates

The positive momentum generated from AOB reform may be extending to the insurance industry. State Farm is making headlines after announcing it has reduced homeowners insurance rates by just over fourteen percent for Florida homeowners. The news comes as a refreshing change of pace where it had become common for homeowners to see their rates…Continued

Mother Nature and Your Property Insurance Claim

When most people think of a meteorologist, they think of the people frequently seen on newscasts. These are the people that can tell you what kind of weather to expect and when this weather will occur. And then there are forensic meteorologists, which do everything a regular meteorologist does but they also have the experience…Continued

Insurance Reform Bill May Lead to Rate Reductions

In our previous blog, we mentioned the monumental Florida insurance reform bill which is expected to address the ongoing issue of assignment of benefits (AOB). The bill was recently passed by the Florida Senate and Florida Governor Ron DeSantis has already expressed that he intends to support and sign the bill, further clearing the way…Continued

The Insurance Reform Bill Has Been Passed

  After several years of efforts that ultimately went nowhere, Florida legislators have finally given the green light to a bill aimed at reforming property insurance and tackling the longtime issue of assignment of benefits (AOB). AOB has been cited on more than one occasion as a major reason for the massive spike in insurance…Continued

Homeowners Told They Cannot Collect Damages

A pair of homeowners lost their jury award when the jury found that the homeowners made misrepresentations regarding an insurance claim, resulting in the insurance policy being voided. Back in 2009, the homeowners were dealing with issues regarding their kitchen drain. A plumber came to the home and took care of the drain line but…Continued

Contractor Arrested for Alleged Assignment of Benefits Fraud

In another example of assignment of benefits (AOB) abuse, the owner of a Florida restoration contracting company was placed under arrest after allegedly stealing thousands of dollars from consumers that had signed over their AOB benefits to him. The owner and his staff are being accused of allegedly forging customer signatures on construction documents and…Continued

What You Should Know About Pursuing Legal Action Under NFIP Policies

Earlier this month, a Florida federal district court made it clear that insureds pursuing a lawsuit under a standard flood insurance policy (SFIP) that was issued via the National Flood Insurance Program (NFIP) are not entitled to receive attorneys’ fees based on Florida law or interest on their claim, nor are they entitled to a…Continued

AOB Reform Bill Inches Closer to Becoming Law

  The Florida insurance industry is keeping a close eye on a bill (SB 122) aimed at reigning in the contentious assignment of benefits (AOB) issue. The bill recently made its way through the final Florida Senate committee and will soon be evaluated by the full Senate, potentially as soon as next week. SB 122…Continued

Florida Legislature Evaluates Insurance Related Bill

  Today is the day. The Florida House will likely give the OK to a bill that would overhaul the insurance practice commonly known “assignment of benefits” (AOB). Known as HB 7095, the House began evaluating the bill yesterday, positioning it for a potential vote. AOB has remained a hotly debated and much-discussed topic during…Continued

Florida Court Bars Homeowner’s Hurricane Insurance Claim

    Last month, a Florida court ruled that a homeowner whose property was damaged by Hurricane Irma would not be able to file suit against the insurance company where the mortgagee was the name listed under the policy as the insured and the homeowner was listed as the borrower. The homeowner sued his insurance…Continued

Hurricane Season Is Quickly Approaching

Hurricane season begins in less than two months which reinforces the importance of knowing what to do in the event a major storm strikes South Florida. As opposed to explaining what steps homeowners should take, let’s explore some that should not be taken. Don’t wait. When a major storm damages multiple homes, you can expect…Continued

Assignment of Benefits Bills Draw Criticism

    A pair of unrelated bills that would affect assignment of benefits (AOB) processes for when property owners have to file a claim with their insurance company is receiving opposition from a Florida association. The group believes that SB 122 and HB 7065 do not adequately meet the needs of homeowners or contractors. Both…Continued

There May Be a Right to Repair Clause in Your Policy

When you purchased your homeowner’s insurance policy, how closely did you examine the fine print? You may be oblivious to the presence of a “right to repair” clause which, unbeknownst to many homeowners, allows companies a large degree of control over your home. Take for example a Palm Beach homeowner who was dealing with a…Continued

Policyholder Protections May Be Stripped Away

A news story was recently televised on WFLA News Channel 8 presenting some potentially alarming developments regarding insurance. Florida legislators may be paying closer attention to lawyers representing insurance companies, citing House Bill 751 and Senate Bill 1464. These bills appear to include language that would make it harder for policyholders to take action against…Continued

Do You Have Coverage for Flood Damage?

When Hurricane Michael caused significant damage to the Florida Panhandle last year, many homeowners received the unwelcome surprise that their insurance policy did not cover flood damage. To address this, a bill was introduced mandating that all new homeowners insurance policies must make it clear if they do not provide flood damage. The bill went…Continued

Insurance Reform Bills Inch Closer to Reality

A pair of insurance reform bills aimed at changing Florida’s assignment of benefits (AOB) law have successfully made their way through subcommittee reviews of the Senate and House on their way to the chamber floors. Should the bills make it through the various hurdles, it will be the first time in more than five years…Continued

Numerous Homeowners Are Forgoing Insurance

New homeowners that have a mortgage on their home must also have a homeowners insurance policy in place to protect their investment. For many homeowners that have paid off their mortgage, however, they are choosing not to continue with their insurance coverage, according to an NBC 6 Miami news story published last month. This can…Continued

Hurricane Irma Losses May Still Affect Insurance Rates

More than two months into 2019 and the ramifications of Hurricane Irma are still being felt. The Sun-Sentinel is reporting that homeowners across South Florida may be in for insurance rate increases due to “creeping” loss increases as a result of the 2017 storm. According to the Florida Office of Insurance Regulation, estimated insured losses…Continued

Inspections Your Home May Require

Purchasing a new homeowners insurance policy can turn into a Herculean effort. For many households, an inspection may be required, though these may vary among insurance companies. Additionally, there are various inspectors to choose from, further complicating the process. Depending on which insurance company you ultimately go with, the following are a few examples of…Continued

Insurance Company Limits Coverage, Raises Premiums

Last year, Citizens Property Insurance Corp. made headlines when it implemented a change that would cap coverage of non-weather-related water damage at $10,000 for policyholders who decide not to use the insurance company’s managed repair contractor network. This network consists of handpicked contractors that Citizens hopes will stem the common practice of contractors coercing policyholders…Continued

Contractors May Be Taking Advantage of Homeowners

Several groups including Florida lawmakers and the state’s Chamber of Commerce allege that a loophole in state law may be causing insurance bills to skyrocket, and it has a lot to do with the assignment of benefits (AOB). According to these groups which also include consumer watchdogs, homeowners often fail to fully comprehend what they’re…Continued

Citizens Policyholders May See September Increases

In case you missed the news, Citizens Property Insurance Corp. made headlines late last month when it announced its intentions to raise residential insurance rates by just over eight percent beginning in September. While its Board of Governors were not pleased with having to bump up rates, the blame for the rate hikes was placed…Continued

Small Tornado Reinforces Coverage Importance

Living in South Florida, the last thing you would expect is to be dealing with a tornado, and yet that’s exactly what happened. Depending on where you live in South Florida, you may have received an emergency warning on your phone earlier this week. A severe thunderstorm resulted in the possibility of a tornado and…Continued

Need Insurance? The Federal Shutdown May Complicate Things

The government shutdown is leading to a host of problems. For one, numerous government employees are going without pay. Countless other federal services have also been put on something of an indefinite hiatus until the shutdown is resolved. In regards to insurance, this may also affect people that are seeking flood insurance. Before we elaborate,…Continued

A New Bill Takes Aim at AOB Reform

It’s 2019 and efforts to tackle Florida’s assignment of benefits (AOB) issue continue. In a recent move, a new Senate Bill 122 has been proposed with the goal of overhauling the one-way attorney fee provision in the state’s current AOB law. With this bill, attorney fees would only be awarded to the policyholders that win…Continued

Why Are Insurance Rates Always Rising?

As a homeowner, there are aspects of having insurance that may remain mystifying. This may include understanding the policy terms and perhaps most notably, figuring out why it is that your policy becomes costlier each year. These increases often happen even if you’ve never once had to make an insurance claim. Why is that? The…Continued

Roofing Company Defrauds Homeowners out of Thousands

Last month, the owner of a Florida-based roofing company was arrested after several homeowners were allegedly defrauded out of more than $45,000, according to an Insurance Journal article. Additionally, the roofing company was alleged to have worked without workers compensation insurance. It is alleged that the roofing company owner defrauded about six homeowners after requiring…Continued

Florida Law Makes It Easier to Understand Flood Coverage

Happy New Year! With the arrival of 2019, a host of new Florida laws have gone into effect this week. For our purposes, we’re concerned about homeowners insurance and sure enough, a new law makes a highly important stipulation worth being aware of. HB 1011 is now law and it makes a crucial note when…Continued

The Differences Between Homeowners and Renters Insurance

Are you among the millions of households that are currently renting a Miami home or apartment? If you’re planning to rent in 2019, you may find that the home you’re staying in will require you to have renters insurance. Having a degree of understanding of what this insurance is all about can save you from…Continued

Florida Insurer Hikes Its Rates

Some bad news for Citizens Insurance policyholders as we approach the beginning of 2019. Earlier this month, the last resort insurer decided to raise its residential insurance rates by just over eight percent. Policyholders can find some degree of relief in knowing that the rate hikes will not kick in until the fall season in…Continued

Florida Insurers Drop Thousands of Policies

According to Florida’s Office of Insurance Regulation, well over $10 billion in claims have been processed by insurance companies after Hurricane Irma and Hurricane Michael made landfall this year and last. Perhaps as a result of this and the massive amount of water damage claims, an ABC Action News article reports that thousands of homeowners…Continued

Keep Your Home Safe from Fires This Holiday

The holiday season is in full swing and December is here, which means countless homeowners will be putting up decorations to celebrate the holiday season. While all of the lights and decorations certainly look festive, they can also pose a safety risk and may cause thousands of dollars in damages. Use these tips so you…Continued

Protect Your Data from a Hurricane

In the event of a natural disaster it’s important to take care of yourself and all your personal data. Your own life is priority over anything else, then you should worry about all your data and anything you want to protect. Having all your information, photographs, and other documents ready will make your transition into…Continued

What to Do After a Major Storm

South Florida was thankfully spared the wrath of Hurricane Michael. The Florida Panhandle, on the other hand, wasn’t so lucky. While we were spared over here, it’s worth remembering the steps homeowners should and should not take in the event a major storm does wreak havoc like Irma did last year. Keep your damaged items.…Continued

The Aftermath of Hurricane Michael

A little over a month has passed since Hurricane Michael rampaged through the Florida Panhandle as a powerful Category 4 storm. A month since causing its extensive damage, Florida is still dealing with a rise in losses as recovery efforts continue. Hurricane Michael is the most powerful storm of its kind to ever hit the…Continued

What to Expect with an Insurance Adjuster

In a perfect world, a meeting from an insurance adjuster is one that most homeowners would look forward to. But with so many adjusters attempting to reduce what the insurance company has to pay out, it’s understandable if the homeowner feels nervous. While not all adjusters are bad, they have a job to do and…Continued

Will Hurricane Michael Raise Rates?

With billions of dollars in insurance claims being reported and even more coming in due to Hurricane Michael, are Florida homeowners facing rate hikes? According to a WTVT FOX 13 article, the jury is out on whether this will happen. Even though there are fewer than two months remaining before we welcome 2019, there are…Continued

Dealing with Proof of Loss

In most cases, an insurance company will require homeowners to submit a form called Proof of Loss should their home sustain damages. This document is typically one page and it requests certain information from the policyholder such as the time and date the loss occurred, what kind of loss the policyholder is claiming, and the…Continued

Hurricane Michael and Roof Contractors

As the Florida Panhandle continues with its recovery efforts following the effects of Hurricane Michael, state officials are reminding homeowners the importance of making sure they hire only contractors that are licensed to take care of any roof repairs or replacement that may be necessary. During such times, it is not uncommon for scammers and…Continued

Storm Damage and Your Home

The aftermath of Hurricane Michael and its rampage through the Florida Panhandle reinforces just how damaging a major storm can be and how important it is to take preventative measures. Thankfully, a storm like last year’s Hurricane Irma did not pass through South Florida, yet homeowners should be aware of items that deserve their attention,…Continued

Hurricane Michael and Its Wind Damage

As Hurricane Michael recovery efforts continue, the amount of damage that it has caused is reminding many of another storm that once ripped through South Florida and caused a massive amount of carnage. That storm was Hurricane Andrew in 1992, which practically destroyed the city of Homestead, Florida. For years, Hurricane Andrew stood as the…Continued

Hurricane Michael Victims Face Damage Repair Delays

Panama City has remained one of Florida’s most popular vacation spots but after Hurricane Michael, it’s turned into something of an insurance fiasco. Hundreds of Panama City vacationers are seeking answers as they wait for their vacation or temporary homes to receive much-needed repairs. In one example, a longtime Panama City renter returned to her…Continued

Florida Puts a Halt on Hikes

As the Florida Panhandle continues to recover from the extensive damage caused by Hurricane Michael, the state insurance regulator recently issued an emergency order aimed at providing “additional protections” to policyholders. These additional protections include barring insurance companies from raising rates for the ninety days in order to better support the ongoing recovery efforts. Besides…Continued

Protecting Your Home and Belongings in the Event of a Storm

Hurricane Michael has already left a trail of massive damage, especially in cities like Mexico Beach. With hurricane season still in full swing, homeowners should remember what to do in the event another storm decides to visit Florida. A “tip” that you may have read on the Internet is to use the dishwasher to safeguard…Continued

Hurricane Michael Serves as a Warning to Homeowners

As we mentioned in a previous blog, hurricane season isn’t over until the end of next month, and the fact that Hurricane Michael is now a Category 2 storm on its way to Florida’s Gulf Coast serves as a reminder that hurricanes can still happen. While it’s too late to make any changes to an…Continued

Healthier Insurance Market Means More Policyholder Perks

In news that may come across as surprising, private market insurers are broadening the options available to homeowners in Florida, a strong indicator that the insurance market is in good shape. Nowadays, homeowners have a greater number of perks when it comes to coverage such as optional coverage for high-end items, bundling homeowner and flood…Continued

Hurricanes 101

From strong winds, to floods and debris all over the place hurricanes are considered one of the most devastating natural disasters. So, how long do hurricanes last and how can you prepare for them? Lets begin with how they form. Hurricanes are cyclones that reach 39 to 73 mph from which they are considered tropical storms and they…Continued

Insurers Score a Win in Assignment of Benefits Ruling

As litigation continues regarding the assignment of benefits (AOB), insurers scored a win after Florida’s Fourth District Court of Appeal (DCA) ruled earlier this month that an insurer’s anti-assignment provision was not prohibited. Despite the ruling, the decision is expected to eventually escalate to the Florida Supreme Court. The DCA ruled that a homeowner’s insurance…Continued

Do You Know Your Policy?

The Carolinas are currently dealing with the aftermath of Hurricane Florence which caused severe flooding in many areas. While those of us here in Florida are doing what we can to help, it’s vital to remember that hurricane season doesn’t end until the 30th of November. Do you know what your insurance policy covers? A…Continued

Florida Continues to Deal with Hurricane Irma Fallout

While the Carolinas deal with the looming threat of Hurricane Florence, Florida is still dealing with the aftermath of Hurricane Irma a year after the storm caused billions of dollars worth of damage. Florida courts are still seeing an influx of lawsuits involving homeowners filing suit against their insurance company. In fact, over 2,000 lawsuits…Continued

Will Your Policy Cover Your Pet?

With Tropical Storm Gordon edging close to Florida, it is important to remember that a major storm can still make landfall, even if less than a month remains until the end of the summer season. For new homeowners that are evaluating purchasing a brand new homeowners insurance policy, it is also important to know that…Continued

Things to Consider When Purchasing Homeowners Insurance

The more you know about homeowner’s insurance and how it works, the better off you’ll be in the event your home suffers damage. If you’re considering homeowner’s insurance, there are a couple of things you should know so that you have a greater understanding and are better able to deal with your insurance company. For…Continued

Florida Homeowners Allege Insurer Failed to Cover Losses

Earlier this month, a pair of homeowners in Orlando filed suit against an insurance company after alleging breach of contract. According to the complaint, the insurer did not provide coverage for the losses caused by a storm. Last year when Hurricane Irma made its way through Florida, the homeowners suffered damage to their home that…Continued

Home vs Renters Insurance

There are people who rent apartments and others who own a house. One thing is for certain: whether it is renting an apartment or buying a house, each one is considered one’s home. There are plenty of things to consider when renting or buying; however, having your home insured is key in both scenarios.  …Continued

Insurance Coverage 101

Making sure you’re always in the know regarding property insurance coverage in Florida can be a difficult process. For those that are largely unaware, it’s worth going over what you should know considering we’re in the middle of hurricane season. One thing that we’ve mentioned several times before that you must be aware of is…Continued

Is Your Insurance Policy Ready for a Major Storm?

After a storm, many homeowners with coverage find out the hard way that the amount of coverage is inadequate to cover the extent of damage. On the other hand, they may also learn that the damage is not enough to reach the deductible. Homeowners often fail to look over their policy to see what is…Continued

South Florida Homeowners Allege a Breach of Contract

According to an article published earlier this week on the website Florida Record, a pair of homeowners based in Oakland Park have filed suit against an insurance company, alleging the insurance contract has been breached. Their complaint was filed last month and alleges that the insurer wrongfully refused to pay the covered losses to the…Continued