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Tag Archives: Insurance

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

After the Storm – How to Handle the Storm Damage Claim

Posted in Erika, Hurricane, Storm Damage, Tropical Storms, Uncategorized

As Tropical Storm Erika was quickly approaching landfall a few weeks ago, Floridians were correctly focused on preparing for the high winds and water that could have caused an unknown amount of damage.  As important as pre-storm preparation is, the steps you take immediately after the storm are also crucial with regard to your ability… Continue Reading

Dunedin Sinkhole Saga – The REAL Facts

Posted in Catestrophic Ground Cover Collapse, Citizens Property Insurance, Grout, Insurance, Sinkhole, Uncategorized

By now, you’ve most likely seen the stories about the large sinkhole that opened in Dunedin, Florida this week.  The Dupre family was awakened early Wednesday morning to what sounded like someone noisily attempting to break into their house.  Upon inspection, the homeowners were shocked to see that their entire back porch was sliding into… Continue Reading

No Storm Claims? Let’s Jack up the Insurance Rates Anyway!

Posted in Hurricane, Insurance, Legislature, Tropical Storms, Uncategorized

Despite no major storms or hurricanes hitting Florida since 2005, Florida property insurance rates have continue to skyrocket over the past few years – with no end in sight.  Shockingly, a recent AP report showed that Florida’s Office of Insurance Regulation has approved more than 100 rate hikes per year since 2009.  Where is the money going… Continue Reading

Failed Sinkhole Repair? The Insurance Company is Still Responsible.

Posted in Grout, Insurance, Lawyer, Repair, Sinkhole, Uncategorized

Over the past year or so, we have been getting an increasing number of calls from property owners who continue to experience sinkhole damage to their property – even after their property has been repaired by the insurance company!  The factual circumstances are almost always the same – the insurance company mandates that the insured repair the… Continue Reading

Jury Verdict against Tower Hill Select Insurance Company – Justice Prevails!

Posted in Experts, Insurance, Sinkhole, Uncategorized

For the past three years, my clients have had to battle with their insurance carrier, Tower Hill Select Insurance Company, to obtain coverage for the repair of damage caused to their home by sinkhole activity.  Time and time again, Tower Hill Select refused to provide any assistance to our clients and instead, threatened to pursue legal action against… 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

Citizens Property Insurance Ignores Neutral Evaluation Process

Posted in Citizens Property Insurance, Insurance, Legislature, Neutral Evaluation, Sinkhole, Uncategorized

Back in 2007, the insurance industry lobbied for the passage of an alternative dispute resolution mechanism for disputed sinkhole claims – a process which they cleverly entitled “Neutral Evaluation”.  The concept was that if there was a disagreement between a property owner and an insurance company as to any issue related to a sinkhole claim,… Continue Reading