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Hurricane Dorian Insurance Claims

Hurricane Dorian Preparation

All homeowners please prepare for Hurricane Dorian! Make sure to board up all openings in your home, prepare for power outages and have flashlights ready. Secure any and all objects that may become projectiles around the home, Intense high winds can cause major damage And may even cause death. Provide plenty of water and food…

Water Damage Claim Ruptured Washing Machine Hose

Water Damage Claim From Ruptured Washing Machine Hose

Last week I received a call from a former client, about a friend who was away for the weekend. Upon her return she found it strange that water was oozing out from her front door. She quickly opened the door and water cascaded past the threshold, soaking her feet, shoes and traveling bag. She walked…

hurricanes tornados

Hurricanes vs Tornados

We are coming into the rainy season here in South Florida, not to mention that on June 1st, Hurricane season also starts. Many people cringe when they hear that Hurricane season is here. It is my opinion, that residing in South Florida, where hurricanes are prevalent, would be better than living in the Mid-West where…

Assignment of Benefits - Florida Senate Bill 122

Assignment of Benefits (AOB) Florida Senate Bill 122

“Assignment of Benefits” (AOB) is ANY instrument by which post-loss benefits under a residential or commercial property insurance policy as defined in Fl. Stat. 627.0625(1), are assigned or transferred or acquired in any manner, in whole or in part, to or from a person “Providing services to protect, repair, restore or replace property or to…

Mold Insurance Claims

MOLD! Are you Covered??

Now that depends. Your homeowners policy does have coverage for mold, whether you own a Condo, Townhome or a Single Family Home. Not too long ago a client called me complaining that he had mold in his home. He told me that he was away for a week and when he returned there was mold…

Property Insurance Coverage

Homeowners Insurance “Are They Really Protecting YOU?”

The insurance industry considers itself to be protecting their customers from a catastrophic situation covered under the POLICY. To give them the benefit of the doubt, I have seen situations where they will cover losses. The problem comes in, when they agree you have a covered loss, and they pay you 50 cents on the…

Hurricane Michael “Warning and Direction”

Hurricane Michael fell short of being a Category 5 storm by 2 mph. The devastation that this storm caused will go down to be one of the costliest storms to hit the Florida panhandle in decades. When the storm is over, the cleanup begins. Massive utility crews from all over the state and neighboring states, will descend on the…

Special Limits of Liability

Special Limits of Liability

Did you know you are limited in what you can recover for your damaged electronics, jewelry and art? You may not be aware that your insurance policy contains a section entitled “Special Limits of Liability” which creates limitations in the amount of money you can recover for a variety of items. This is a section…

Forced Managed Repair Programs (MRP)

Forced Managed Repair Programs (MRP)

If your insurance company has a Managed Repair Program you may be in for a surprise if you have to present a claim. Some insurance companies have been adding language to their policies that force you to use vendors selected by the insurance company to make repairs to your home. This means that your insurance…

Unlicensed Practice of Public Adjusting or UPPA

The Unlicensed Practice of Public Adjusting or UPPA – It’s Against the Law

A water insurance claim (any insurance claim) is not a job for your plumber, roofer or contractor. The Florida Department of Financial Services regulates insurance adjusters and they have issued public warnings to contractors and others who go door to door in neighborhoods selling insurance claims services without a public adjusters license. Do you want…

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