Florida Insurance Claims Law Blog

Blog Authors

Eric W. Dickey, Esquire

K.C. Williams

Latest from Florida Insurance Claims Law Blog

Florida Insurance Claims Law Blog

How to Maximize Recovery on your Water Damage Claim

By K.C. Williams

January 31, 2020

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MAXIMIZING YOUR WATER DAMAGE CLAIM It is extremely important to know how to maximize your water damage insurance claim. Once your plumbing starts to leak or your ceiling starts to drip, you will be thankful that you purchased homeowner’s insurance. After a loss, you would think that since you have insurance, your claim would automatically be covered for all of your damage, but that assumption is not always correct. Although most homeowners do eventually get…

Florida Insurance Claims Law Blog

Attorneys and Public Adjusters Work Together to Benefit Homeowners

By K.C. Williams & Eric W. Dickey, Esquire

September 10, 2019

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Public Adjusters and Attorneys are an integral part of protecting Florida homeowners. Public Insurance Adjusters and Property Damage Lawyers will often work together to help maximize the client’s insurance claim recovery. Both the Public Adjuster and the Attorney have separate but crucial roles to play in the insurance claim process. A recent study found that public adjusters significantly increased the amount of money a policyholder received from their claim. This report found a 747% increase…

Florida Insurance Claims Law Blog

BUYING HOMEOWNER’S INSURANCE? ANSWER THESE 5 QUESTIONS FIRST.

By K.C. Williams

June 17, 2019

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Prior to purchasing homeowner’s insurance, you need to honestly answer a few questions to make sure you but the correct type and amount of coverage. Although you should always seek the advice of a professional insurance agent when selecting coverages, you will ultimately need to give thought to the below questions as you go through the process. 1. DOES MY HOME HAVE A HISTORY OF INSURANCE CLAIMS OR DAMAGE? If you are purchasing the home…

Florida Insurance Claims Law Blog

Insurance Claims for Cast Iron Pipe Leaks

By K.C. Williams

December 31, 2018

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If your plumbing system is cast iron pipe, your home may be a disaster waiting to happen. Most homes built prior to 1975 used cast iron pipe plumbing, which was the standard up until that time. Unfortunately, these pipes are subject to the build up of corrosion and rust on the inside of the pipes. If these iron pipes fail, leaks and other water damage may cause thousands of dollars of damage to your home.…

Florida Insurance Claims Law Blog

9 Things You Should Never Do During A Hurricane Insurance Claim

By K.C. Williams

October 19, 2018

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Now that Hurricane Michael has caused devastation through Panama City, Mexico Beach, Tallahassee, and the Florida panhandle, property owners are now facing the damage left behind by the storm. Although homeowners may be overwhelmed by having to now navigate a hurricane insurance claim, there are – at least – 9 things that property owners should NOT do after a hurricane property damage loss. 1. Do NOT return to your home until it is safe to…

Florida Insurance Claims Law Blog

What is a Proof of Loss?

By K.C. Williams

August 16, 2018

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After a loss, an insurance company will often mandate that the policyholder complete and sign a form called a Proof of Loss regarding the damages claimed by the policyholder. A Proof of Loss is a one page form (possibly with attachments) that is usually provided to the policyholder by the insurance company. The Proof of Loss form requests specific information from the policyholder regarding the date and time the loss occurred, type of loss claimed,…

Florida Insurance Claims Law Blog

Actual Cash Value vs. Replacement Cost Value

By K.C. Williams

August 14, 2018

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Although the terms Actual Cash Value and Replacement Cost Value are not commonly used outside of property insurance disputes, they can have a substantial effect on the amount of money you receive from your insurance company after a loss. After your insurance company determines that your insurance policy provides coverage for your loss, the insurance company has various ways to calculate the value it will pay you for your lost or damaged property. There are…

Florida Insurance Claims Law Blog

Flood Insurance Premiums Rising – Not a Joke!

By K.C. Williams

April 3, 2018

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It seems like every April 1st, the National Flood Insurance Program informs us that it is raising the premium rates for flood insurance. (Feel free to insert any April Fools jokes here.) As of April 1, 2018, the average flood insurance premium rose 8 percent, with some property owners seeing increases of up to 25 percent. Despite what you might initially think, these increases are not the result of Hurricane Irma, but are part of an ongoing…

Florida Insurance Claims Law Blog

Should Your Insurance Company Replace Your Roof – or Only Repair a Portion?

By K.C. Williams

December 1, 2017

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Roof damage is the most common type of hurricane insurance claim we see after a hurricane, wind storm or hail event. Wind from hurricanes and tropical storms can cause substantial roof damage – whether just a few loose shingles or the total destruction of the entire roof structure. Even worse, any opening in your roof can cause water to enter your home and devastate your belongings. Hail can also cause severe damage and greatly reduce…

Florida Insurance Claims Law Blog

How Your Insurance Company Underpaid Your Hurricane Insurance Claim

By K.C. Williams

November 14, 2017

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After a hurricane, storm or other disaster, you hoped that your property insurance company would honor your claim and pay for your damages. After all, you purchased homeowners insurance with the expectation that, if a catastrophic loss ever occurred, your insurance company would provide for the repair of your property back to its pre-loss condition. Unfortunately, as many homeowners are now experiencing after Hurricane Irma, property insurance companies do not always live up to policyholders’…

Florida Insurance Claims Law Blog

Blog Authors

How to Maximize Recovery on your Water Damage Claim

Attorneys and Public Adjusters Work Together to Benefit Homeowners

BUYING HOMEOWNER’S INSURANCE? ANSWER THESE 5 QUESTIONS FIRST.

Insurance Claims for Cast Iron Pipe Leaks

9 Things You Should Never Do During A Hurricane Insurance Claim

What is a Proof of Loss?

Actual Cash Value vs. Replacement Cost Value

Flood Insurance Premiums Rising – Not a Joke!

Should Your Insurance Company Replace Your Roof – or Only Repair a Portion?

How Your Insurance Company Underpaid Your Hurricane Insurance Claim

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