Call For Your Free Quote: 305-443-6321

Miami insurance settlement lawyer

Insurance Reform Is of the Essence

Florida’s legislative sessions kicked off recently, and once again, insurance reform was at the forefront as insurers stress the need to re-evaluate Florida’s insurance market. This year, however, with significant rate hikes and insurers tightening the reins on coverage, stakeholders and industry followers believe 2021 insurance reform is more important than ever. Payer activists, insurance…Continued

Older Roof Replacement Costs May Skyrocket

If your Florida home has a roof that is over a decade old, you may be facing even heftier costs to have it repaired should planned legislation become law. Senate Bill (SB) 76 will permit insurance providers to modify the way they provide coverage for roofs. In the proposal, the insurance provider will pay you…Continued

Insurer’s Cancellation Moratorium Will Soon Be Over

Last resort insurer Citizens Property Insurance Corp. recently declared that it will begin processing cancellations and non-renewals once again at the beginning of the pandemic. The insurer had originally placed a moratorium during the early days of the pandemic. Citizens said that the Board of Governors decided at its meeting last month to end the…Continued

Homeowners Insurance 101

As the year begins to wind down, you may be thinking about New Year’s resolutions. Perhaps one of them is to become a first-time homeowner. If you plan on applying for a mortgage, you’re going to need a homeowners insurance policy. Today, we’d like to provide a brief introduction to what it’s all about. Homeowners…Continued

Watch Out for Florida Contractor Scams

A WTVY article talks about homeowners that are still dealing with issues surrounding fraudulent contractors two years after Hurricane Michael wreaked havoc. The article serves as a reminder of how important it is for homeowners to educate themselves on spotting a fake contractor or someone trying to pull a scam. One of the most common tactics used…Continued

Insurance Companies Are Ramping up Inspections

As insurance companies deal with financial losses, they are ramping up efforts to mitigate risks and losses by requesting more home inspections be performed. The goal is to require additional homeowners to take care of any possible issues or the insurer may be able to find justification to get rid of properties that are considered…Continued

Another Type of Home Insurance You May Need

When selling your home, homeowners insurance may be something that the buyer has to think about more so than the seller. However, you may be surprised to learn that a certain type of insurance could be required depending on the circumstances. For example, if the home you’re selling is currently unoccupied, it’s possible your insurer…Continued

Florida Insurer Changes Its Mind on Policy Cancellations

Previously we discussed how insurer Citizens Property Insurance Corp (run by the state of Florida) was gearing up to resume policy cancellations and nonrenewals beginning on the 15th of next month. After the CFO of Florida urged the last-resort insurer to reconsider its decision due to the COVID-19 pandemic and being in the middle of…Continued

Smart Homes Are Resulting in Pricey Lightning Damage

Last year, Florida experienced nearly 250 lightning events per square mile, earning it the dubious distinction of being the top state for lightning strikes. With its nearness to the ocean and the hot weather, storms can develop and move inland, increasing the chances of a home experiencing a lightning strike. Although homeowners insurance claims citing…Continued

Floridians Are Understandably Worried About Hurricane Season

Hurricane season has arrived and a recent survey shows many Floridians are expressing greater concern for this year’s possible storms than those of the past, given the other issues that are also affecting the state such as COVID-19. Over 1,400 residents participated and more than seventy percent of them stated they are more concerned than…Continued

Evaluate Your Home Before Hurricane Season

Less than a month remains until the start of hurricane season, have you evaluated your home? The following changes will help to protect your home and they may go as far as saving you a few dollars here and there on your homeowners’ insurance policy. Let’s kick things off with the roof. In addition to…Continued

Flood Insurance May Be Worth Your Consideration

When it comes to expensive natural disasters, flooding is certainly one of them. Particularly here in Florida, these are often caused by Florida’s penchant for being hurricane and tropical storm-prone. Just about every home can succumb to flooding yet not every home is protected from it. Often, homeowners are under the false belief that their…Continued

Take Advantage of Social Distancing and Do a Home Inventory

As social distancing and remaining indoors continue to be the most effective ways of reducing the spread of COVID-19, there is also the looming arrival of hurricane season. One effective thing you can do to pass the time and prepare in advance is by doing a home inventory. At its simplest, it’s a collection of…Continued

Read the Terms of Your Insurance Policy

Homeowner insurance premiums typically carry hefty price tags, so you may decide to explore quotes with a different provider that’s offering something at a rate closer to your budget. However, following a storm, you find your home has been damaged. Upon filing a claim, however, it’s not good news: the insurer informs you that that…Continued

Is Your Insurance Policy Ready for Hurricane Season?

It may seem like it was only recently that we endured the 2019 hurricane season and yet the start of the 2020 hurricane season is fewer than six months away. Now is the time to ensure that you have the right coverage as most insurance companies will not write policies if there is a storm…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

Does Your Business Have Insurance?

Are you the owner of a small or mid-size business? It’s important to have the proper coverage for any incidents that may occur at the business. The unexpected is always possible, and it’s better to be protected against anything that may happen. A business owner’s policy protects small to mid-size businesses while protecting any major…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

Watch out for Contractor Scams After a Major Storm

Mother Nature has been in a foul mood the last couple of days here in South Florida, unleashing some heavy thunderstorms that may cause damage to your home. Whether it’s a thunderstorm or a hurricane that just wreaked havoc, storms tend to bring out some individuals looking to potentially deceive homeowners desperate to make repairs.…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

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

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

What Happens with an Insurance Settlement?

What happens if you run into a scenario where your insurance company is taking longer than it should issue your payment after a settlement? In one example, a case involving last resort insurer Citizens Property Insurance Company shed some light on this. In the case, a homeowner filed suit against Citizens after the insurer allegedly…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

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

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

Dealing with Underpaid Insurance Claims

We all know that a storm can cause thousands of dollars worth of damage to your home. Hence, it is vital to have the proper coverage to help you take care of those damages. Despite having coverage, however, there is a possibility your insurance company may try to reimburse you for less than the terms…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

Homeowners Left Stranded with Storm Damage

Several homeowners in Southwest Florida are finding themselves with unfinished home repairs after a company collected more than $500,000 for the purpose of fixing damage caused by Hurricane Irma. The company was believed to be affiliated with a licensed operator. One homeowner handed over his full first insurance draw to the repair company only to…Continued

Hurricane Season is Here. Time to Reevaluate Your Hurricane Insurance

This year, experts say that the hurricane season will be above-average in strength. Now that hurricane season is upon us, it’s time to start thinking about your hurricane insurance. The insurance you have might not be good enough for a major hurricane. You should know that just because you have homeowner’s insurance, that doesn’t mean…Continued

Save Money on Your Homeowners Insurance

Homeowners insurance is expensive but taking the steps to improve your home may help with protecting your home as well as potentially lowering your insurance premium through discounts. Consider the following two improvements and consult with your insurance provider to see if they are willing to reward you with discounts. A security system. A home…Continued

The First Hurricane of 2018 Has Arrived

In case you missed the news, Beryl has officially earned the dubious honor of being named the first hurricane of 2018. While it isn’t expected to pose a major threat to South Florida and will likely weaken, it reinforces the need to be prepared in the event another storm like last year’s Hurricane Irma emerges.…Continued

Always File a Damage Claim with Your Insurance

With hurricane season just around the corner, now is the time to start doing your homework so you’re ready in the event a hurricane does indeed pass through Florida like Hurricane Irma did last year. In a perfect world, hurricanes would not exist but if Florida is indeed affected by a hurricane and your home…Continued

Citizens Adds Coverage Reductions for Repairs Outside Its Control

In its ongoing efforts to fight against claims abuse and costly lawsuits, last-resort insurer Citizens Property Insurance Corp. has adjusted its plan to control home repairs by making additional coverage reductions for customers that choose not to make use of its Managed Repair Contractor Network. Should customers decline, its coverage for non-weather-related water damage involving…Continued

Does Your Have Proper Lightning Coverage and Protection?

Though it doesn’t receive the same amount of attention as a hurricane, lightning can still do a significant amount of damage to a home. With South Florida’s unpredictable weather patterns, lightning storms can strike at virtually any time. As the strikes become more common, there is obviously a greater risk of property damage. Hence, it…Continued