A recent article published March 20, 2015 in the South Florida Sun Sentinel newspaper highlighted the importance of hiring a public adjuster to assist with an insurance claim. The article, written by Sentinel correspondent and board certified real estate attorney Gary M. Singer, was prompted by a question posed by a South Florida condo owner…
Insurance is one of those things you buy and hope you’ll never have to use. Still, there are many factors out of your hands that may bring damages to your home, condo, office or any other property. When there are damages to your home, big or small, from natural disasters or mechanical malfunctions, you might…
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…
The Federal Emergency Management Agency (FEMA) runs the National Flood Insurance Program. Unlike other types of property damage, you cannot get flood insurance through commercial sources because the risk of flood is not conducive to a rate structure that turns a profit. Thus, flood insurance is uniquely unlike other types of property insurance. Additionally, since…
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.…
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…
