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Tag Archives: Storm Damage

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

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

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

Hurricane Danny – Property Insurance Claims on the Horizon

Posted in Flood Damage, Hurricane, Roof Damage, Tropical Storms, Uncategorized, Water Damage

As we watch Hurricane Danny approach the Gulf, it is hard to believe that 10 years have passed since Hurricane Charlie and three other storms caused massive damage and property insurance claims throughout Central Florida.  Although the passage of time makes it easy to think that such storm damage is unlikely to happen again, we… Continue Reading

Lightning Strikes – Florida’s Most Underrated Disaster

Posted in Insurance, Lightning, Roof Damage, Storm Damage, Uncategorized

Although it doesn’t get the same attention as Florida’s other natural disasters, lightning damage led to more than 10,000 insurance claims in Florida over the past year.  Florida ranks first in the nation for both injuries caused by lightning strikes and insurance claims caused by lightning related damage. The estimated total property damage caused by… Continue Reading

Storm Damaged Roof? Watch Out for Scams!

Posted in Hail Damage, Roof Damage, Storm Damage, Uncategorized, Wind Damage

The  severe weather that recently swept through the area left many property owners with damage to their roofs from the storms and high winds.  When massive storm damage appears, the environment is ripe for an illegal activity that often plagues Florida – roofing scams. The usual manner by which these roofing scams play out is… 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

Hail Damage Claims – Truth vs. Insurance Company Fiction

Posted in Hail Damage, Hurricane, Roof Damage, Uncategorized

Almost every time we speak to a new client regarding their hail damage insurance claim, our clients tell us that the insurance company representative told them some variation of one or more of the below statements.  Unfortunately, insurance company adjusters have a habit of trying to convince property owners that they have “no business” filing… 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

Hurricane Preparations Part I – Develop a Plan for Your Family

Posted in Hurricane, Storm Damage, Tropical Storms, Uncategorized

An essential part of hurricane preparation is having a plan for your family long before a storm arrives.  Once the storm arrives, it is too late to start thinking about contingencies and making plans for your family’s safety.  Your basic plan can be re-used each year, but make sure to review your plan each year… Continue Reading

Hurricane Myths vs. Reality

Posted in Hurricane, Storm Damage, Uncategorized, Wind Damage

Recently, the Sun Sentinel newspaper wote an article regarding some of the urban legends, myths and not-quite-accurate beliefs some people have about hurricanes.  Although on initial blush such information may seem like just interesting fodder for conversations at the water cooler, the reality is that the information contained in this article could save a lot of heartache… Continue Reading

National Hurricane Center Changing Definition for Hurricane Warnings

Posted in Hurricane, Insurance, Laws, Storm Damage, Tropical Storms, Wind Damage

Last fall, Hurricane Sandy caused devastating damage to the eastern seaboard – yet the National Hurricane Center did not issue any sort of hurricane warning to the people north of North Carolina.  It is not that the National Hurricane Center was negligent in any way, it is just that by the time Sandy reached the… Continue Reading