Although the terms Actual Cash Value and Replacement Cost Value are not commonly used outside of property insurance disputes, they can have a substantial effect on the amount of money you receive from your insurance company after a loss.

After your insurance company determines that your insurance policy provides coverage for your loss, the insurance

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”)

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