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Insurance Preparations for Storm Damage

Wind and rain can wreak havoc on your home, property and personal belongings. Preparation is key to minimize loss in storm-prone areas of the country, and proper insurance coverage and contact information for your carrier should be at the top of your checklist. Contact your carrier while the sun is still shining and find out…
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Understanding the Risks of HO-8 Coverage

There has been some recent coverage about Citizens’ little-known low-cost policy called HO-8. Before you call your agent and ask for it, here’s what you should know about what the HO-8 policy covers versus HO-1 and HO-3 policies. The HO-8 policy is intended for older homes. Citizens requires that homes be 50 years or older…
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Citizens Insurance and Gov. Scott’s OK

The Florida Legislature has put an important bill on the desk of Governor Rick Scott regarding Citizens Insurance. Although the bill is a watered down version of the Senate’s proposal, it will mark some fairly significant changes if it is signed into law. The state government created Citizens Insurance as the last resort insurance company…
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The Dangerous Practice of Post-Claim Underwriting

An interesting story has come out of Palm Beach County where some policy holders of Universal Property and Casualty Insurance Co. of Fort Lauderdale were stunned at what happened when they filed claims. According to reports in the Palm Beach Post, these customers had their coverage was rescinded due to liens that Universal said the…
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