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Category Archives: Insurance Policy

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What Does Flood Insurance Cover? Perhaps Not Much!

Posted in Flood, Flood Damage, Insurance Policy, Uncategorized

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… Continue Reading

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

Posted in Insurance, Insurance Policy, Uncategorized

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… Continue Reading

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

Posted in Flood Damage, Insurance, Insurance Policy, Storm Damage, Uncategorized, Water Damage

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… Continue Reading

Switching to a Cheaper Property Insurance Company? Better Think Twice.

Posted in Citizens Property Insurance, Insurance, Insurance Policy, Uncategorized

Over the past few months, many Citizens Property Insurance policy holders received a notification that, unless they opted out within a certain time frame, their property insurance would be automatically transferred out of Citizens and into one of several small start-up insurance companies.  These newly formed property insurance carriers have been nick-named “take-out” companies because… Continue Reading

NEWSFLASH – Exploding Corpses Not Covered By Homeowner’s Insurance!

Posted in Condominium Claims, Insurance, Insurance Policy, Uncategorized

Yes, dear reader, the above title is correct.  A Florida Appellate Court actually had to rule that your homeowner’s insurance is not responsible to pay for damage caused by the “sudden explosion” of someone’s body.  If you don’t believe me, you can read the actual opinion here. Per the facts of the case, Ms. Rodrigo… Continue Reading

Tornado and Flood Damage in Florida – What to Do After the Storm

Posted in Flood Damage, Hurricane, Insurance, Insurance Policy, Roof Damage, Storm Damage, Uncategorized, Water Damage

Over the last few days, Central Florida has been pounded by torrential rain, tornadoes and high winds.  These damaging windstorms and tornados were especially violent in Manatee, Sarasota, Lee, Hillsborough and Pinellas Counties.  These thunder storms caused flooding in Shore Acres, wind damage in Siesta Key, and claimed the lives of two people in Duette…. Continue Reading

Wind Mitigation Credits – Save Money on Homeowner’s Insurance

Posted in Hurricane, Insurance, Insurance Policy, Roof Damage, Storm Damage, Uncategorized, Wind Damage

It may come as a surprise to many homeowners, but you may be able to substantially reduce your homeowner’s property insurance premiums by just looking through the provisions of your policy.  Specifically, most homeowner’s insurance policies set forth numerous premium “credits” for which you can qualify based upon the age and condition of your home…. Continue Reading

Sinkhole Insurance No Help for Pasco Homeowner – Thanks for Nothing!

Posted in Catestrophic Ground Cover Collapse, Insurance Policy, Sinkhole, Uncategorized

Yesterday, a large sinkhole opened up in the driveway of a Pasco County homeowner.  I attached a picture of the sinkhole – which I’m sure was quite a surprise to the homeowner when she began to back out of her garage yesterday morning!  The question now arises – would this issue be covered under your… Continue Reading

Automobile Insurance Shell Game – The House Always Wins!

Posted in Automobile Insurance, Insurance, Insurance Policy, Laws, Motor Vehicle Accidents, Uncategorized

During the 2012 Florida Legislative Session, insurance company lobbyists pushed for the passage of HB 119, which greatly overhauled the Personal Injury Protection portion of your automobile insurance policy.  As part of their sales pitch, proponents of this bill stated that the passage of this Bill would GREATLY REDUCE the cost of automobile insurance in… Continue Reading

Crazy Football Fans – Would Your Homeowner’s Insurance Policy Cover Your Shenanigans?

Posted in Insurance, Insurance Policy, Personal Injury, Uncategorized

By now you have probably seen the attached video {Click Here to Watch} of the “enthusiastic” (ok, really drunk) Alabama fan who was trying to deliver some frontier justice to an Oklahoma fan in the adjoining section.  Clearly, her activity stands out as a shining example of how fans should act on any given Saturday in the Southeastern… Continue Reading

Citizens Denying Claims While Paying Its Lawyers Million$$ of Dollars

Posted in Citizens Property Insurance, Insurance, Insurance Policy, Sinkhole, Uncategorized

Citizens Property Insurance Corporation has been earning a reputation for systematically denying almost every insurance claim asserted by its policyholders.  Instead of honoring valid claims, Citizens spends millions of dollars each month “defending” claims – the same type of claims that other insurance companies would routinely pay without question.  Although those of us in the… Continue Reading

Water Damage – the Silent Destroyer of Homes

Posted in Flood Damage, Insurance, Insurance Policy, Uncategorized, Water Damage

Although hurricanes, earthquakes, and sinkholes get the majority of the attention in the news, the vast majority of insurance claims deal with water damage to property.  These claims are generally broken into two categories – flood damage and water leak/seapage damage.  Flood claims revolve around damage caused by “rising water”, as opposed to other types of water losses… Continue Reading

New Flood Insurance Law May Crush Florida’s Real Estate Market

Posted in Flood Damage, Insurance, Insurance Policy, Uncategorized, Water Damage

Pursuant to a new Federal law, premiums for residential flood insurance in Florida may soon be as high as $24,000 a year.  A new law, the Biggert-Waters Flood Insurance Reform Act, was enacted by Congress in 2012 as a knee jerk reaction to the recent large scale disasters such as hurricanes Katrina and Sandy.  Proponents of the new… Continue Reading

Mold Coverage – More Limited Than You Might Think

Posted in Insurance, Insurance Policy, Mold, Uncategorized, Water Damage

Property damage caused by mold can be a real problem – especially here in Florida.  The combination of Florida’s humid climate and often rainy weather create the perfect petri dish for the creation and growth of toxic and damaging mold.  Fortunately, most homeowner’s insurance policies provide coverage for the damage caused to your property by… Continue Reading

Catastrophic Ground Cover Collapse Coverage? WORTHLESS!

Posted in Insurance, Insurance Policy, Laws, Legislature, Sinkhole

Back in the good old days of yore (which, at this point, was approximately 4 years ago), whenever an insurance company provided you with a policy of homeowner’s insurance, it automatically included coverage for any damage caused by sinkhole activity.  In 2007, as part of the insurance industry’s never ending attempt to limit coverage to its clients, insurance… Continue Reading

But They Said the Sinkhole Was Fixed – What Now?

Posted in Experts, Grout, Insurance, Insurance Policy, Laws, Pin Piles, Repair, Sinkhole

Over the past several years, many homeowners in Florida have had the misfortune of incurring damage to their property as the result of sinkhole activity. For many homeowners, the headaches and inconvenience caused by having to undergo the initial repair of this damage turned out to only be the beginning of the battle. In almost every… Continue Reading

What is so “Neutral” about Neutral Evaluation?

Posted in Experts, Insurance, Insurance Policy, Laws, Legislature, Neutral Evaluation, Repair, Sinkhole

If you’ve filed an insurance claim for sinkhole related damage in the past few years in Florida, you’ve most likely seen the term “neutral evaluation” in various correspondence or heard the term mentioned by an insurance adjuster.  A few years ago, the Florida Legislature enacted a law whereby if there is a disagreement as to whether sinkhole activity… Continue Reading

Hire an Insurance Claim Lawyer? Won’t the Insurance Company look out for me?

Posted in Insurance, Insurance Policy, Laws, Lawyer, Sinkhole, Storm Damage, Water Damage

After watching scores of television commercials and other paid advertisements touting the supporting and nurturing nature of insurance companies, one can’t help but feel that the “good hands people” will always act “like a good neighbor” once a policy holder incurs a loss.  After years of practicing insurance claims law, we have learned the unfortunate truth that insurance companies – like all… Continue Reading