Author Archives: Jay Butchko
How To Determine The Value Of Personal Property Damage After A House Fire
House fires are devastating events. A fire can destroy your home in just a matter of minutes. Even if the fire was contained to just one area of the home, you will still lose a lot of personal property. Fortunately, homeowners insurance can cover the personal belongings that are damaged or destroyed by fire…. Read More »
When Should You Speak To A Property Damage Lawyer?
You have done the responsible thing and purchased homeowners insurance to protect your most valuable asset – your home. You expect that insurance to be there for you when your property suffers damage from a storm, wind, and accidents. Unfortunately, insurance companies are not always fair and rather than provide you with the coverage… Read More »
Six Common Types Of Water Damage
All homes in Florida can be affected by water damage at almost any time. It is for this reason that having proper insurance coverage that will protect your property is so important. While storms can cause water damage, there are other ways your property can become damaged, as well. Below, our Daytona Beach water… Read More »
Are Landlords Required To Purchase Insurance For Rental Properties?
Owning a rental property can be a great investment, but it is also an expensive endeavor. With all the costs of maintaining the property, you may wonder if you also have to purchase insurance for it. After all, a rental property can become damaged by a storm, fire, or other natural disaster just like… Read More »
Can You Purchase Tornado Insurance In Florida?
Homeowners insurance policies are complex, and they can be very confusing, particularly if you have never had to purchase it before. You want to be covered for as much damage as possible, but not all types of damage are included in insurance policies. Florida is no stranger to tornadoes, with the state experiencing approximately… Read More »
What Does Business Interruption Insurance Not Cover?
As a business owner, you may not understand what type of insurance you need, particularly if you have just recently started your company. One very important type of insurance is business interruption coverage. Business interruption coverage is just what it sounds like. It provides coverage in the event that your business is interrupted for… Read More »
Plumbing Maintenance Tips
Maintaining the plumbing system in your home is important to ensure its longevity and so you can avoid costly repairs. Proper plumbing maintenance can also help protect your home’s resale value and to ensure the property does not become damaged. Maintaining your plumbing can also make sure the insurance company does not reject a… Read More »
Should You Choose Replacement Cost Coverage Or Actual Cash Value Coverage?
When you need to insure your property against damage from tornadoes, hurricanes, and tropical storms, there are many different types of policies you can purchase. With everything becoming more expensive by the day, it seems, Floridians want to obtain the coverage they need for the best possible price. When determining how you can do… Read More »
What Happens If Your Property Is A “Total Loss”?
Florida homeowners know that a variety of different types of storms hit the state every year. Tornadoes, hurricanes, and tropical storms are just a few of these and they can cause devastating damage to a property. At times, storms can be so severe that a property is deemed a “total loss”. So, what does… Read More »
Obligations Of Homeowners And Insurance Companies During The Storm Damage Claim Process
All homeowners in Florida should have an insurance policy that protects their property from the myriad of storms that often hit the state. An insurance policy is the only way to make sure you do not pay out of your own pocket for the damage caused to the structure of your home and personal… Read More »