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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

Don’t Hesitate to Make an Insurance Claim

Most homeowners think that they should only contact their insurance company for major issues such as storm damage, a fire, or leaks. They may believe that if the issue isn’t of a certain magnitude, it’s not worth a call. Considering you’re probably paying a lot of money for your policy, it’s worth giving it a…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

What Is Hazard Insurance All About?

It’s easy to confuse hazard insurance and homeowners’ insurance. Despite its name, hazard is not an entirely separate policy, it’s a component of a homeowner’s policy. It’s the part that will take care of replacing the structure and contents of a home should a natural disaster occur. The remainder of the homeowners’ insurance will protect…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

Evaluating the Flood History of a Home

You’ve decided to buy a Florida home in 2020 and one of the first things you’ll be doing is making sure the home you’re interested in undergoes inspection. This is a smart move as it can potentially reveal issues that may make you think twice about purchasing. For example, maybe the home has a history…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

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

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

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

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

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

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

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

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

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

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

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

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

When Is the Last Time You Checked Your Policy Coverage?

  The subtropical depression Alberto that affected Florida this past Memorial Day weekend only serves to reinforce how important it is to take the time and ensure that your insurance policy reflects your needs and that it provides sufficient coverage for you and your family. . As the value of a property fluctuates, it’s important…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

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

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

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 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

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

Citizens Remains in Good Financial Shape

Last resort insurer Citizens Property Insurance has amassed close to $2 billion in losses due to the effects of Hurricane Irma, and it has handled well over 70,500 claims. Despite the large numbers and Irma losses, its Chief Financial Officer reassures that Citizens’ financial picture is “incredibly strong”. There’s still about two months before we…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

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

Florida Case Involves Assignment of Benefits Restrictions

A Florida Appeals Court recently made the news after allowing assignment of benefits (AOB) restrictions regarding homeowners insurance policies. The news comes as hurricane season has ramped up with the arrival of storms like Gordon and Florence. The case involved a pair of homeowners (husband and wife) who signed a contract with a water restoration…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

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

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

Is Your Home Sufficiently Insured?

According to an analytics firm, about three of every five homes in the country do not have sufficient insurance coverage, in some cases as much as twenty percent less than the home’s value. Are you among these people? Would you have about $50,000 readily available to rebuild your home if it had a replacement hovering…Continued

Florida Homeowners Allege Insurance Contact Breach

  An article published earlier this month on the website Florida Record discusses a pair of homeowners pursuing legal action against their insurance for allegedly breaching an insurance contract by failing to cover water damages. The home located in Clearwater had an existing homeowner’s insurance policy when it sustained water damage, which was considered a…Continued

Are You Ready for a Possible 2018 Hurricane?

Weather forecasters are predicting this hurricane season will be more active than usual. While we’re all hoping the season comes and goes without a major storm, it’s still important to plan ahead and be realistic about what could happen and what to do in the event a storm does hit. Know what steps to take…Continued

Citizens Postpones Its Proposed Rate Hikes

Citizens Property Insurance Corp. policyholders concerned about planned rate hike will have to wait a little longer after the insurer decided to hold off on determining its 2019 rates until December. If all goes according to plan, Citizens will implement an increase of 7.9 percent for all of its homeowner insurance policies across the state…Continued

Summer means two things – construction and hurricanes

It’s summertime, so we can expect two things: lots of construction, and lots of storms. Last year, Hurricane Irma rampaged through Miami and caused billions in damage. The construction from Irma is taking place almost everywhere. And with hurricane season on us again, we have to keep an eye out for more damaging hurricanes that…Continued

New Hurricane Coverage Will Pay for More than Usual

Sometimes, hurricane insurance doesn’t cover everything you need. If something exceeds your deductible, or you don’t have flood insurance, then you may end up paying a lot. But a new insurance product has appeared that will cover what traditional hurricane policies don’t. This new insurance product is called StormPeace, and it’s sold by a company…Continued

Florida Homeowner Continues to Deal with Sinkhole Claim

A Florida homeowner who was dealing with a sinkhole claim put his faith in his insurance company only to end up feeling as if the insurance company took advantage of him, according to a News Channel 8 article published last week. The claim was filed back in 2011 after the homeowner noticed his home was…Continued

Hurricanes Move Slower Now, and That’s Bad.

Now that we’re in the outset of hurricane season, it is definitely worth noting a worrisome development in how storms travel. The pace at which they typically move is slowing to about ten percent, which creates more powerful and possibly deadly storms. Hurricane Harvey, which stalled over Texas last year, may not be an anomaly…Continued

Most Florida Homeowners Aren’t Ready for a Storm

Now that June is here, hurricane season is officially “in session”. If yesterday’s nasty storms in South Florida were any indication, it’s that Mother Nature is not a force to be taken lightly. Thunder and lightning are one thing but coupled with strong winds, they can do some serious damage. Even with that in mind,…Continued

When Is the Last Time You Checked Your Policy Coverage?

  The subtropical depression Alberto that affected Florida this past Memorial Day weekend only serves to reinforce how important it is to take the time and ensure that your insurance policy reflects your needs and that it provides sufficient coverage for you and your family. . As the value of a property fluctuates, it’s important…Continued

Florida’s Hurricane Fund Is Ready for the Season

          With the imminent arrival of hurricane season in just a few days, Florida homeowners may have some concerns about how ready the state is to handle the aftermath should another storm like last year’s Hurricane Irma make landfall. The Florida Hurricane Fund is a resource intended to assist private insurance…Continued

Florida Homeowners Make Repairs Without Contacting Insurer

A recent Florida court ruling reinforces the importance of filing an insurance claim, knowing your rights, as well as what is and isn’t covered in your policy when your home suffers damage. The case involved homeowners who repaired damage in their home caused by water before filing a claim with their insurance company. The court…Continued

Hurricane Irma Insurance Lawsuits Surge

A Sun Sentinel article published last week discusses the sharp rise in lawsuits against property insurance companies during the first quarter of the year when compared to the numbers from 2017. Perhaps unsurprisingly, the largest number of these lawsuits were filed by home and property owners in Florida. More than 10,500 lawsuits were served to…Continued

Hurricane Season is Less Than a Month Away

Next month will signal the arrival of hurricane season and if last year was any indication, it will likely be another unpredictable storm season for South Florida, with the looming possibility of one actually hitting us (i.e.: Hurricane Irma). If you haven’t yet considered flood insurance, your time may be running out. As we’ve mentioned…Continued

Fort Myers Drone Company Takes Insurance by Storm

After Hurricane Irma slammed Southwest Florida last fall, numerous residents and businesses were affected. As was common in the aftermath of a storm, damages needed to be assessed but it is very difficult to do so with all sorts of debris everywhere, as well as the factors of time and safety. Enter the use of…Continued

Several Florida Insurers Maintain Their “A” Rating

According to an Insurance Journal article, a well-known insurance rating agency recently announced that it will not downgrade any of the financial stability ratings (FSRs) of more than eleven Florida homeowners insurance companies due to the losses incurred because of major storms and last year’s assignment of benefits litigation. Despite this, there are still plenty…Continued

Hurricane Irma Claims Surpass $8 Billion

For those of you that are keeping tabs regarding Hurricane Irma and the damage it caused, a recent Herald Tribune article says claims have now reached close to $9 billion. Over 900,000 property homeowners have filed Irma claims due to losses caused by the storm, which made its way through Florida last year. While the…Continued

Citizens Approves Its Policy Changes

Citizens Property Insurance Corp. is once again generating headlines after approving several changes to its policy language aimed at tackling the expensive costs associated with non-weather water loss claims and the legal cases that have caused premiums to skyrocket. These changes will also cover issues that have emerged since the insurer implemented its Managed Repair…Continued

Be Prepared for an Earlier Hurricane Season

While the 2018 Atlantic hurricane season does not officially begin until June 1st, forecasters expect there to be slightly above-normal activity, particularly increased formation of storms in the Gulf of Mexico. What is a cause for concern is not so much the number of named storms making landfall in the southeast United States, but the…Continued

Higher Flood Insurance Rates Are Now in Effect

If you were hoping for a decrease in the cost of flood insurance, there is some disappointing news to report: As of the first of the month, premiums became more expensive, rising eight percent. The somewhat good news is most homeowners can expect to see their insurance increase by only five percent or less, according…Continued

Now Is the Time to Consider Flood Insurance

With hurricane season looming, now is the time for Floridians to purchase flood insurance before storms begin to wreak havoc. In most cases, a homeowner will be required to wait a minimum of about thirty days before the flood insurance policy will go into effect. Homeowners should remember that the majority of insurance policies do…Continued

Avoid Insurance Coverage Surprises by Understanding Its Terms

With the rising costs of homeowner’s insurance premiums, you may decide to seek out a more reasonably priced quote with a different provider. Your home ends up suffering extensive damage so you decide to file a claim only to be told some potentially upsetting news: the money you’ll be receiving reflects your home’s depreciated value…Continued

Last Resort Insurer Gets Hit with a Massive Verdict

A recent Tampa Bay Times article discusses a case involving Florida’s last resort insurer Citizens Property Insurance. Back in 2007, residents of a Palm Harbor-based condominium began noticing signs of a potential sinkhole, such as cracking walls, doors not closing properly, and depressions inside of the units. Although claims were filed on many of the…Continued

Legislative Session Ends with No Insurance Reform on the Horizon

Those hoping the Florida Legislature would do something about rising insurance costs and the assignment of benefits (AOB) situation may be disappointed to find out that they’ll need to wait until 2019. According to a recent Sun Sentinel article, the legislative session came to an end this past weekend, leaving the much-debated topic of insurance…Continued

Heritage Seeks Insurance Rate Hikes

Heritage Property & Casualty is one of the largest insurance companies in the state of Florida. If you’re a homeowner with a Heritage policy or someone who intends to purchase one through the insurer, you may be in for a surprise. According to a recent Sun Sentinel article, the insurer intends to increase rates for…Continued

Homeowners Still Dealing with Hurricane Irma Insurance Woes

Water damage and mold, leaky roofs, these are just a few examples of the issues homeowners are still dealing with nearly three months into 2018 as they wait for their Hurricane Irma insurance claims to be processed. According to an article featured on the website WINK News, homeowners are grappling with a situation where their…Continued

Florida Aims to Get Rid of Insurance Policy Surprises

One of the worst things that can happen to a homeowner after their home has suffered storm damage is realizing their insurance policy does not cover a certain amount of damage. A recent article published in Florida Politics discusses something that’s being done to address this situation. It’s often stressed the importance of actually reading…Continued

Preparing for Chapter 7 Bankruptcy

Filing for bankruptcy is time consuming and it involves a significant amount of paperwork, not to mention the emotional toll and stress involved.  For anyone filing for Chapter 7 for the first time, it’s important to know the right forms and necessary steps. Begin by doing an assessment of your finances and examining closely why…Continued

The Problem with Assignment of Benefits

Have you ever heard of “assignment of benefits”?  Private insurance companies are putting in requests to the state to approve two important policy revisions aimed at reducing losses from this practice.  Last month, the Florida Office of Insurance Regulation gave Citizens Property Insurance Corporation the okay to limit costs involving emergency repairs after a loss…Continued