Florida Insurance Claims Law Blog

Latest from Florida Insurance Claims Law Blog - Page 2

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

Hurricane Irma – How to Handle Your Storm Damage Insurance Claim

By K.C. Williams

September 11, 2017

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Now that Hurricane Irma has marched through the entire length of Florida, those affected by the storm must now face perhaps an even more stressful event – the pursuit of a property damage claim against their homeowners insurance company. Although it may take several weeks for property owners to fully realize the damage caused to their property, they need to move quickly with a claim against their property insurance company. …

Florida Insurance Claims Law Blog

Hurricane Deductibles – The Debbie Downer of the Storm Claim Process

By K.C. Williams

September 5, 2017

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When dealing with a hurricane or tropical storm, surviving the weather event is often only the beginning of the battle. The insurance company’s constant nit-picking of your claimed losses can drive you bonkers – especially while you are trying to put the rest of your life back together. Then, just when you think you may have worked out a reasonable resolution of your claim, the insurance representative says, “Oh, and by the way, we are…

Florida Insurance Claims Law Blog

Hurricane Irma – Start Making Storm Preparations Now

By K.C. Williams

August 30, 2017

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Even as the internet is full of Hurricane Harvey damage pictures, another storm is quickly approaching Florida from the eastern Atlantic. Tropical Storm Irma – soon to be Hurricane Irma – is projected to be a major storm and may make landfall along Florida’s coastline. The time is now to stop looking at flood pictures in Texas and realize that we could be in the same situation – or worse – if a major storm…

Florida Insurance Claims Law Blog

What Does Flood Insurance Cover? Perhaps Not Much!

By K.C. Williams

June 9, 2017

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After a flood or other substantial water event, flood insurance policy holders are often surprised to learn what is covered by their flood policy – and more surprisingly, what is NOT covered under their flood insurance policy. As I have written about before, flood insurance is totally separate from homeowners insurance, and both provide separate coverage for different types of loss. Specifically, homeowners insurance does not cover water damage from flood. Call (800) 451-6786…

Florida Insurance Claims Law Blog

Why is the Mortgage Company’s Name on My Insurance Check?

By K.C. Williams

March 9, 2017

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Policyholders are often shocked to learn that the loss settlement check they receive from the insurance company is payable not only to the policyholder, but to their mortgage company as well. Homeowners insurance policies are broken down into several types of coverage – whether for the building, personal property, liability, alternative living expense, or other losses. For certain types of coverage, the insurance policy will list the mortgage company as an “additional payee” on the…

Florida Insurance Claims Law Blog

Is Flood Damage Covered Under My Homeowner’s Insurance Policy?

By K.C. Williams

August 23, 2016

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Most people believe that when they buy homeowner’s or commercial property insurance that they will be covered for any damage that may occur to their property. Unfortunately, as many people have painfully learned during recent flooding events, the normal policy of homeowner’s property insurance does NOT provide coverage for damage caused by “rising water” or flood. This realization often comes too late for property owners and only after catastrophic damage has occurred to their property…

Florida Insurance Claims Law Blog

How to Determine Whether Your Property Has Been Damaged By Vibration from Adjacent Construction.

By K.C. Williams

January 14, 2016

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Developers and construction firms often elect to use heavy equipment, blasting or pile driving in the performance of their construction projects. If your property is in close proximity to a construction project where heavy equipment, pile driving or blasting is being used, your property may incur damage related to the vibration caused by these activities. If you believe your property has sustained damage due to vibration-related sources, you can assess whether your damage was the…

Florida Insurance Claims Law Blog

Is Vibration Damage Covered Under My Homeowners Property Insurance Policy?

By K.C. Williams

November 6, 2015

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As can be easily witnessed as you drive around town, construction companies often use blasting, pile driving, dewatering and heavy equipment in the performance of large construction projects. Many times, damage can be caused to buildings on nearby properties due to the enormous amount of vibration generated by these activities. The question then becomes whether the cost to repair the damage caused by this vibration is covered under the property owner’s property insurance policy. For…

Florida Insurance Claims Law Blog

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

How Your Insurance Company Underpaid Your Hurricane Insurance Claim

Hurricane Irma – How to Handle Your Storm Damage Insurance Claim

Hurricane Deductibles – The Debbie Downer of the Storm Claim Process

Hurricane Irma – Start Making Storm Preparations Now

What Does Flood Insurance Cover? Perhaps Not Much!

Why is the Mortgage Company’s Name on My Insurance Check?

Is Flood Damage Covered Under My Homeowner’s Insurance Policy?

How to Determine Whether Your Property Has Been Damaged By Vibration from Adjacent Construction.

Is Vibration Damage Covered Under My Homeowners Property Insurance Policy?

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