Lightning StrikesAlthough 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

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

tornado-damage-floridaOver 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.  

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.  

Now that the hurricane season has officially begun, the prevention of wind damage should be on the forefront of every Floridian’s mind.  Although there is nothing we can do to prevent hurricanes or other storms from occurring, there are steps we can take to minimize the damage these storms cause to our homes and property.

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

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