Reporting a Loss When an insured suffers a covered loss, one of the first steps they should do is report the loss to their insurance company. This can usually be done by calling the insurance company directly or calling the insured’s insurance agent. Quick reporting of a loss is in both the insured and insurance…
What’s the biggest hidden danger in your home? Unfortunately, far too many people in Boca Raton are living with mold damage in their home. Just one small leak in your roof can cause water to collect on your building materials and cause dangerous black mold to grow on your ceiling. Unfortunately, it’s a far too…
It can happen at any time. If you have home insurance claims in Boca Raton, then read this article. A fire, flood, or natural disaster isn’t going to announce when it’s arriving. When your home has been damaged, can you trust your insurance company to look out for you during difficult times? The unfortunate reality…
Perhaps you have heard a statement like this one from an insurance company: “No, roof materials that sit on top of decking are not insured for replacement in any Florida insurance policy. You can see for yourself. Read the policy. It is just not there.” If your claim was denied recently for these damages to…
OPPAGA Study Reveals You Can Increase Your Claim by 700% A recent study by the Office of Program Policy Analysis & Government Accountability indicates that while public adjuster representation is associated with longer settlement times, it also leads to higher average payments, sometimes far higher. For example, the OPPAGA study the average compensation for 2005 hurricane claims…
Learn about the difference between public adjusters and an insurance company, and how they differ. If you do not know about homeowners insurance you better know an insurance company agent who does. Your agent must understand what your policy covers, and does not cover, and also know which companies play the “post loss” underwriting game.…
H0-8 Coverage Risks There has been some recent coverage of 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 require that homes be 50…
The Florida Legislature has put an important bill on the desk of Governor Rick Scott regarding Citizen’s 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 for…
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…
If you take a close look at your Citizens home insurance policy, you’ll notice that your personal liability coverage has dropped from $300,000 to $100,000 in your renewal contract.as of May 1, 2012. Personal liability insurance might be one of those policies we don’t give much thought to because we don’t think we’ll ever need…
