Category Archives: Property Damage / Insurance
5 Things To Know About Examinations Under Oath In Florida
After a property damage insurance claim is filed, both the insurer and insured will have paperwork and procedures to complete. One of these procedures is an “Examination Under Oath”, or “EUO”. You may or may not have heard of these, or been through them before. In short, the Examination Under Oath is done at… Read More »
5 Things NOT To Do After A Tornado Or Hurricane In Florida
It is a fact of life in Florida that along with the sunshine comes the occasional storm. Some of these storms can be severe and even life-threatening. The Daytona Beach area experiences tornadoes more often than the national average, and these storms can be unexpected and severe. Hurricanes always remain a risk during the… Read More »
What To Do When An Insurance Company Denies Your Fire Damage Claim
Fire damage to a business or home is something every property owner fears. The sudden and unexpected nature of a fire, with its devastating effects, is something nobody wants to happen. Unfortunately, structure fires do happen, more often than we think. According to the National Fire Protection Association, over 1 million structure fires causing… Read More »
Insurance Issues With An Inherited Home In Florida
With the passing of a parent or grandparent comes a tremendous amount of grief, sadness, and – unfortunately – work. There are the customary tasks most people and their families consider, such as making funeral arrangements, settling financial affairs, and starting the probate process. Often, there is also a home passed on to heirs…. Read More »
5 Common Reasons For Property Damage Claim Denials In Florida, And What To Do About Them
A person’s home or business are usually their most important assets, which is why they pay high premiums to insure them. Property insurance exists to protect homeowners from paying out-of-pocket for property restoration after an incident that was outside of their control. Coverage policies will set out the various types of damages that are… Read More »
Property Insurance Claim Releases: What Are They And When Should You Sign One?
Let’s say you’ve already gone through the tough parts of a property damage claim: the damaging event, cleanup, documentation, and the back-and-forth with your insurer over the course of several weeks (or months). Then, around the time you receive a settlement check, the insurance company sends you a Property Insurance Release of Claims form…. Read More »
When Can You File A Lawsuit Against Your Insurance Company?
After property has suffered damage as the result of a weather-related incident or some other cause, you may feel that the insurer has acted unfairly or even illegally in some situations. Some actions that could give rise to a lawsuit include bad faith negotiations, unfair or deceptive practices, or breach of contract. Failure to… Read More »
What Is A Public Adjuster In Florida, And How Are They Involved With Your Property Damage Claim?
Chances are you’ve heard about public adjusters but were not sure what they do or how they are involved with an insurance claim. That is, until they are knocking on your door as part of your insurance claim. You wouldn’t be alone in wanting to know more about the process. A public insurance adjuster… Read More »
What Are An Insured Property Owner’s Duties After A Loss In Florida?
After a damaging event, property owners face several responsibilities while submitting claims to their insurers. Most homeowners know they should document damage, collect photographs, obtain estimates, and so forth. What some insureds might not know is that some acts aren’t just voluntary – they are duties listed within their policy and failure to complete… Read More »
What To Know About Insurance Coverage For Sinkhole Damage In Florida
Property damage in Florida can occur in any number of ways, the most common of which include severe storms, hurricanes, fire, and flood events. One unexpected culprit in property damage cases, however, can be sinkholes. Florida has the most annual sinkhole incidents in the United States, which has led to an increase in sinkhole… Read More »