Recent Blog Posts
Unique Events That Your Homeowner’s Insurance Can Cover
Most property owners are aware of the obvious dangers that their Florida homeowners insurance policies intend to cover: fire, hurricanes, severe storms, vandalism, and other threats to one’s property. Look into the finer details, however, and you might be surprised at a number of other rare but equally serious issues that your insurance might… Read More »
Knowing The Difference Between Appraisal And Arbitration In Florida Homeowners Insurance Claims
When differences arise between a homeowner and their insurer, these disputes can take different forms. To resolve disputes, the most common approaches are appraisal and arbitration. To the average property owner, these sound the same and would seem to have the same result in the end. However, these two dispute-resolution methods are significantly different,… Read More »
What To Know About Inflation And How It Affects Your Homeowner’s Insurance Coverage
Inflation has been a huge problem for homeowners throughout 2021 and 2022, due to rising costs of building materials required for repairs and renovations. Due to supply-chain problems and other factors, the prices on nearly all consumer goods have steadily risen. As a result, the cost to repair and rebuild a home simply costs… Read More »
What Happens When Your Insurer Goes Out Of Business Or Cancels Coverage
Troubles in Florida’s private home insurance market throughout 2022 have left homeowners searching for new options due to insurers dropping coverage or going out of business entirely. Florida’s property insurance market is among the most volatile in the nation, with insured homeowners being dropped even as hurricane season remains a threat. Some of the… Read More »
What To Know About Foundation Issues In Florida Homes
Extreme weather, hurricanes, flooding, and other weather issues all impact Florida residents in the Daytona area and beyond. These weather events can also affect soil conditions and damage a home’s foundation over the long term. Left untreated, these issues can create serious problems for a home. Your home’s structural integrity depends on its foundation,… Read More »
How Do Insurers Typically Pay Out For Damages In Hurricane Claims?
Hurricanes can cause huge and sometimes shocking amounts of damage in a matter of hours. Rightfully so, Florida homeowners fear the worst when a hurricane is predicted or on a path toward their home. Hurricanes in Florida can produce any of the following when they arrive: High winds over 100 miles per hour that… Read More »
Why Are So Many Florida Homeowners Being Dropped From Their Homeowner’s Insurance Policies?
Tens of thousands of Floridians have been dropped from their homeowner’s insurance policies in recent months – a disturbing trend that drew legislative attention in 2021 and continues to vex legislators, insurers, and homeowners alike. Earlier this summer, Federated National Insurance Company and its sister companies canceled more than 68,000 Florida homeowner’s insurance policies…. Read More »
Can A Florida Homeowner Record An Insurance Appraiser During An Inspection?
Given what’s at stake during a property damage insurance claim, homeowners may ask: can I record an insurer’s appraiser while they inspect my home? In today’s age of smartphones with sophisticated photo and video capabilities, it is easy for most anyone to record at a moment’s notice. During an insurance appraisal, homeowners may find… Read More »
What Is The Florida Property Damage Statute Of Limitations?
When your home is damaged in any type of incident, the next step is always to file a claim with your homeowner’s insurance provider. A homeowner’s goal is to address the issues, get them fixed as soon as possible, and have insurance help cover the costs involved under the policy. The insurance company will… Read More »
Does Your Homeowner’s Insurance Cover Pest Damage?
In Florida, many pests thrive in the area’s hot and humid climate, and will not hesitate to enter or even infest a person’s home. Florida homeowners will wonder: does my homeowner’s insurance cover damage caused by rodents, insects, or other pests? It depends on the type of damage and the pests involved, but the… Read More »