How to Get the Best Settlement for Water Damage Claims in Fort Lauderdale FL? No matter what type of claim you file, following the lead of your insurance company and its adjuster involves some risk that the insured should understand. In nearly all the claims we’ve worked, there has been a significant discrepancy between what…
How do you decide when file a home insurance claim? Following the significant loss to your home, it may feel like a race to make repairs and make an insurance claim. While most policies require you take all reasonable steps to mitigate your damages, they also expect the homeowner to show the damaged property to…
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…
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…
Law and Ordinance Coverage: Hurricane Andrew and the $30 billion price tag it left behind forever changed Florida, and the changes put into place statewide following the storm have had a big impact on your home insurance policy. For many years, Florida’s reaction to hurricane damage was just to clear the mess and rebuild. But…