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News, Trends and Insights

Another Insurance Company is Penalized for an Improper Denial

Universal Property and Casualty Insurance Company received a judgment in Boca Raton, FL for damages totaling $350,000. Jurors found that Universal improperly denied a claim for damages to a continuous tile flooring. Homeowner, Elliot Sterns, discovered that his continuous tile flooring was tenting. Tenting is term used to described what happens to tile flooring when…Continued

Florida Property Insurance Market Crisis

Another Florida insurance carrier is declared insolvent. On March 4th 2022, a petition was filed to approve an order making the Department of Financial Services (“DFS”) the appointed receiver for Avatar Property & Casualty Insurance Company (“Avatar”). Avatar stopped writing new policies in Florida sometime in February of 2022. Just a few weeks earlier, St.…Continued

Allegations of fraud against United Property and Casualty

A recent lawsuit filed in Florida alleges that the insurance company, United Property and Casualty, demanded that field adjuster’s reports be altered to ensure a denial or to reduce claims. The lawsuits states in part: 29. Instead of ensuring that field adjusters created honest, accurate reports to confirm that UPC’s insured received an assessment that…Continued

Hurricane Season Has Arrived

June marks the beginning of hurricane season, and forecasters are already predicting an above average season of activity. Last year’s hurricane season was one of the most active in years, and one of them (Hurricane Hermine) managed to make landfall in Tallahassee before being followed by Hurricane Matthew a month later. The latter managed to…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

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

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

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

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