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Category Archives: Water Damage

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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

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

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

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

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

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