Tag Archives: Broward County Property Insurance Attorney
Florida Property Insurance Claims: Vandalism
Vandalism occurs when someone, often an unidentified person(s), causes deliberate or negligent damage to your property. From graffiti to broken windows to smashed property, vandalism can come in a wide variety of forms. While Broward County is one of the safer counties in Florida, vandalism still occurs here. In this post, our experienced Fort… Read More »
Water Damage Claims and Long-Term Damage Exclusions
Water damage is one of the leading causes of property loss in Florida and throughout the United States. Indeed, according to a report from the Insurance Journal, one insurer, the Travelers Companies Inc., reviewed all of their property insurance claims from 2009 through 2015 and found that water damage was responsible for 30 percent… Read More »
Understanding Property Insurance: Policy Exclusions vs. Policy Limitations
For homeowners and business owners in South Florida, a good property insurance policy is critically important. You need the appropriate insurance coverage to ensure that your valuable financial investment is adequately protected. However, just because you have purchased insurance does not mean that you will be covered against every possible type or cause of… Read More »
Florida’s Third District Court of Appeal Continues to Misapply Proper Construction Techniques to Insurance Claims
Should you decide what you will do before you start a construction project or after? Of course the answer is before, but Florida’s Third District Court of Appeal continues to get it backwards in property insurance disputes. Case in point: the February 22, 2017, opinion in the Miami-Dade County property insurance case, Hernandez v…. Read More »
Florida Condo Insurance: Common Loss Assessment Coverage
According to the definition provided by the United States Census Bureau, a condominium is a form of homeownership in which the units (either apartments or houses) are owned by individuals, but common areas are owned as part of a collective. Condos have become very popular in Florida. Census data indicates that approximately 15 percent… Read More »
Could a Renovation Void Your Property Insurance Coverage?
Have you read every single sentence of your property insurance policy? If not, you are not alone. Property insurance policies are long and complicated. Most people skim through vast stretches of the policy to get to the important sections. This habit can sometimes create situations in which unsuspecting homeowners run into surprises. For instance,… Read More »
Did You Get a Check from the Insurance Company? Read This Before Cashing It
Under the Florida Homeowner Claims Bill of Rights, property insurance companies have a legal duty to pay policyholders for the full value of their covered damages without any undue delay. In the event that an insurer fails to live up to this duty, they could face a bad faith insurance practices claim. Unfortunately, with… Read More »
Florida Supreme Court Releases Clarifying Opinion on Insurance Claims Involving Multiple Causes of Loss
Most property insurance policies offer coverage for some, but not all causes of loss. Indeed, in many cases, policies will explicitly exclude coverage for certain causes of damage. For example, you may have a homeowner’s insurance policy that offers coverage for wind damage but no coverage for damage caused by a flood. Of course,… Read More »
Florida Property Damage Claims: What You Need to Know About Initial Settlement Offers
In the event that you are forced to make a property damage claim for your Florida home, you will be protected by the state’s Homeowner Claims Bill of Rights. This statute provides critical legal protections for property owners. It also puts many obligations on insurance companies. For example, in Florida all insurers have a… Read More »
Three Things You Should Know About Water Damage and Insurance Claims
Did your home or business suffer major water damage? If so, you are not alone. Water damage is one of the most common reasons why people file property insurance claims. In fact, the Insurance Journal reports that 30 percent of all homeowner claims filed between 2009 and 2015 were due to water damage. About… Read More »