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News, Trends and Insights

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

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

Ease Insurance Claims Headaches with a Home Inventory

      Hopefully, there will never come a time when a major disaster strikes your home. Yet as we all know, life and Mother Nature are unpredictable and disaster can strike at any moment. Besides having enough homeowners insurance coverage for your home, it’s also important to have a home inventory. If you haven’t…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

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

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

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