Policyholders are consumers, consumers are customers and you would think that as a customer your property insurance company would try to help you get your life back together as fast as possible after a catastrophic event. That is certainly not the case right now in Florida. In most large loss claims such as with Hurricane … More What Do Hurricane Irma Claims Have In Common? FRUSTRATED POLICYHOLDERS!

Reviewing and updating your homeowners’ insurance policy is your first priority before even the first hurricane is on the radar. Adequately understanding what is covered and what is excluded is easier said than done, below are some key policy coverage’s that will help you have some peace of mind during a hurricane experience. These coverage’s … More Being Prepared Starts With Coverage

Across Florida, Hurricane Irma has so far generated 900,228 claims to all insurance carriers, according to the state Office of Insurance Regulation. Of those, 479,673 have been closed with payments and 293,229 were closed with no payment, primarily because the damage value did not exceed policyholders’ hurricane deductibles; according to the damage estimates completed by … More Florida Homeowners’ Living Under Blue Tarps, Still Singing The Blues

The insurance companies invest millions of dollars on their insurance agents to become “Chess Master’s” in the Claim Game. The tactics they use are the same across all insurance companies and they are very skilled in protecting the insurance companies’ financial interest, not yours! Every year the Florida Division of Consumer Services receives thousands of … More “The Claim Game” – It’s Check Mate Time On Insurance Companies’.

A public adjuster is a professional claims handler who advocates for the policyholder in appraising and negotiating a claimant’s insurance claim. Aside from attorneys and the broker of record, public adjusters licensed by state departments of insurance are the only type of claims adjuster that can legally represent the rights of an insured during an … More What’s A Public Adjuster & When Should I Hire One?

Whether or not homeowners insurance covers leaks in your roof, and any resulting damage, depends on what caused the leak. If, for instance, a windstorm or hail damaged your roof, your insurance would likely cover repairs or replacement. But if a maintenance issue like wear and tear is the cause, then you’d likely be responsible … More Will My Homeowners’ Insurance Pay For My Roof Leaks?

Mold is a non-scientific term for many types of unwanted fungi found both indoors and outdoors. Active mold growth requires moisture. Actively-growing mold damages the material it lives on, thereby impairing structural integrity. In addition, mold is associated with some untoward health effects in humans, including allergies and infections. Whether or not mold is actually … More Got Mold? – Got Big Problems!

Home insurance companies: USAA, Amica, Erie, MetLife and Auto-Owners – were among the highest rated in Consumer Reports’ most recent survey of more than 85,000 subscribers. About 7,400 of them, or 8 percent, reported filing claims from 2013 to 2016 with a company on the CR ratings chart. However, good insurance doesn’t always equal good … More Property Insurance Alert! – Coverage is Everything.

In recent years Florida insurance companies have begun to invoke the practice of “Right to Repair” (also known as option to repair) or (managed repair) as part of their doing business with homeowners who are their policyholders’. Some of the Florida insurance companies engaging in this practice are: People’s Trust, Peninsula Insurance Company, Heritage Property … More Property Insurance Companies: “Right to Repair” -VS- Policyholders’: “Zero Rights”

A roof just collapsed or a plumbing problem backed up and flooded a home or business, maybe a faucet pipe burst or someone forgot to turn off the kitchen stove and a property burned down. These are all a few examples of property damage claims that will occur across the nation as you are reading … More Complicated Property Damage Claims. Not So Complicated – For The Experts.