Florida Mold Insurance Coverage: More Limited Than You Might Think Property damage caused by mold can be a real problem—especially here in Florida. Florida’s humid climate and often rainy weather create the perfect petri dish to grow toxic and damaging mold. Fortunately, most homeowner’s insurance policies cover the damage caused to your property by mold....
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Filing a homeowners insurance claim in Florida requires proactive and vigilant behavior, given our unique weather challenges, such as hurricanes and tropical storms. However, many individuals unknowingly make mistakes that can impact the success of their claims. While it might be tempting to handle the claims process alone, there are reasons why Florida homeowners should...
Dealing With Geico After a Personal Injury Claim in Florida If you’ve been injured in a car accident in Florida and are filing a personal injury claim with Geico, you may encounter delays, lowball settlement offers, or claim denials. Insurance companies, including Geico, prioritize their profits, often at the expense of accident victims. Knowing how...
Why Florida Homeowners Insurance May Deny Your Hail Damage Claim Hailstorms can cause significant damage to homes in Florida, leaving homeowners overwhelmed as they navigate the process of filing an insurance claim. While insurance policies are designed to provide relief in times of need, securing fair compensation can be complex and frustrating. This raises an...
An inflation guard coverage endorsement is an add-on to an insurance policy that automatically increases the coverage limits to keep pace with inflation. This type of endorsement is typically used in property insurance, such as homeowners or commercial property insurance, to ensure that the insured value of the property remains adequate over time as construction...
Public Adjusters and Attorneys are integral to protecting Florida homeowners. Public insurance adjusters and property damage lawyers often work together to help maximize the recovery of the client’s insurance claim. The Public Adjuster and the Attorney have separate but crucial roles in the insurance claim process. A recent study found that public adjusters significantly increased...
Actual Cash Value vs. Replacement Cost Value: Understanding Your Homeowners’ Insurance Options When purchasing homeowners’ insurance, one of the key decisions you’ll need to make is whether to insure your property and belongings based on Actual Cash Value (ACV) or Replacement Cost Value (RCV). These two valuation methods can significantly affect the compensation you receive...
What Every Florida Property Insurance Policyholder Should Know About Bad Faith Insurance companies are supposed to provide financial protection and peace of mind by honoring their policy commitments. However, when insurers fail to act in good faith, policyholders may face undue stress and economic hardship. Understanding the signs of bad faith insurance practices can help...