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Category Archives: Uncategorized

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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

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

Posted in Uncategorized, Vibration Damage

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…. Continue Reading

Is Vibration Damage Covered Under My Homeowners Property Insurance Policy?

Posted in Uncategorized, Vibration Damage

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… 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

The Ultimate April Fool’s Prank – Higher Flood Insurance Rates! (It’s a joke, right?)

Posted in Flood Damage, Legislature, Uncategorized

Normally, April 1st is known for being the one day when you can pull pranks on friends and co-workers and still escape the beating that would normally follow on any other day.  By merely yelling, “April Fools!”, you can escape judgment for all sorts of sins and misdeeds – all in the name of “good… 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

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

Official Storm Names for 2014 Hurricane Season – Hopefully We Won’t Need Them!

Posted in Hurricane, Storm Damage, Tropical Storms, Uncategorized

Every year the National Hurricane Center develops a list of names to apply to possible tropical storms or hurricanes during the coming storm season.  Believe it or not, there is an actual committee of the World Meteorological Organization which gets together and updates this list every year.  (It would seem that they could just create… 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

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

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

Citizens “Insurance” Lawyer – Bilking Money from Florida…and Laughing About It.

Posted in Citizens Property Insurance, Insurance, Legislature, Uncategorized

 Sadly, although we knew that Citizens Property Insurance Corporation is overrun with corruption, recent news reflects that even we did not know how bad the situation has gotten.  Although the formation of Citizens Property Insurance may have initially been a good idea, it has since morphed into merely a “cash grab” for cronies of Governor… 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

Automobile Insurance in Florida – Protect Yourself Because Others Won’t

Posted in Insurance, Motor Vehicle Accidents, Uncategorized

Pursuant to Florida law, everyone who operates a motor vehicle in Florida is required to carry automobile insurance coverage.  As part of the process of obtaining or renewing your driver’s license, you are usually required to show “proof of insurance” or to otherwise prove that you have adequate insurance coverage.  What most people don’t understand is exactly how… Continue Reading

Sinkhole Stabilization Repair Program – Only Suckers Need Apply

Posted in Citizens Property Insurance, Laws, Legislature, Sinkhole, Uncategorized

As part of an ongoing effort to give the shaft to Florida consumers, a bill was recently filed with the Florida Legislature which would greatly restrict – or even eliminate – the rights of property owners attempting to properly repair damage caused to their homes by sinkhole activity.  Senate Bill 416 (blandly titled, “Sinkhole Coverage”) is a… Continue Reading

Flood Insurance Crisis – Possible Help on the Horizon

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

By now, most Floridians have heard about – or even experienced – the incredible spike in flood insurance premiums that are coming their way due to the Biggert-Waters Flood Insurance Reform Act.  In short, the Biggert-Waters act is a new federal law which attempts to address a $24 billion dollar deficit in the coffers of… Continue Reading