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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

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

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 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

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

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

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

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

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