As a homeowner, you have many financial responsibilities. One of those is covering medical bills and other costs if someone gets hurt while visiting your residence. You might also be held liable if your dog hurts someone, too. In many cases, your homeowners'...
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First-Party Property Insurance Claims
Why does it always feel like it’s you versus the insurance company?
When you buy an insurance policy, the provider probably seems kind and helpful. They may tell you how they want to be there to help you when you need it most or how they enjoy giving you peace of mind. When you actually file a claim, though, that attitude is long...
Are you forced into suing your own insurance company?
Insurance companies run a good racket. They sure are ready to rake in those high-priced premiums each month, quarter or year. But when it comes time to pay out legitimate claims, they are all too ready to throw up roadblocks that allow them to deny those claims. If...
You should appeal quickly after a claim denial in Florida
If you live in Florida, then there is a chance that your home will be flooded at one time or another. If you are in the path of a hurricane or a nearby lake or river overflows, then your home could end up with damage because of those high water levels. The good news...
What you should know about sinkholes and insurance
Florida has the dubious distinction of leading the nation when it comes to sinkholes, and South Florida has had some whoppers. However, it doesn’t take a massive sinkhole to do serious damage to your property and possibly make it uninhabitable. Under Florida law, a...
3 top insurance company complaints
People often talk about how stressful or frustrating it can be to work with their insurance company. Some of the reason is that people start this process when they’re already in a stressful situation -- after a home has been robbed, for instance, or experienced...
Responding when a client claims there’s a defect in a building
As a construction professional, your success depends on completing projects and satisfying clients. If someone who hires you is unhappy with the finished product or experiences problems with their property, they might try to blame you for that issue. What can you do...
What do you do when your flood insurance won’t pay a claim?
Living in Florida, it certainly makes sense to have flood insurance. You may get lucky and not face a serious storm or hurricane soon, but your luck probably won't last forever. Normally, homeowners and renters insurance policies won't cover surges or floods. However,...
What should you know about wind damage?
The weather in Florida is sometimes stormy, which can mean that your home is subjected to high winds. This can lead to significant damage to your home, and your homeowner’s insurance policy might be liable for handling claims related to this. One of the most common...
What constitutes a bad faith insurance claim?
Wind, flooding and other severe weather conditions are some of the greatest threats to South Florida residents. Homeowners must also concern themselves with other factors, including mold, fire, settling, sinkholes and crime -- which is why they carry insurance. If...