- Homeowners, Insurance
- Tighe P.A.
Florida’s property insurance system has been in turmoil for years. Hurricanes regularly cause billions in losses, insurers pull out or collapse, and premiums soar higher than anywhere else in the nation. To keep homeowners and condo associations insured, the state created Citizens Property Insurance Corporation in 2002. Citizens was…
- Insurance, Insurance Law
- Tighe P.A.
When the Rules Change Overnight Most Floridians know insurance is complicated. What many don’t realize is that the rules for fighting your insurance company can change — and sometimes, not in your favor. Citizens Property Insurance Corporation, the state-backed “insurer of last resort,” now has the power to move…
- Insurance, Insurance Law, Residential Claims
- Tighe P.A.
What You Don’t Know Can Cost You It wasn’t the storm that broke the business. It was the policy they didn’t understand. A Florida business owner thought they were playing it safe. Their commercial building was worth $1,000,000. They insured it for $500,000, figuring that would more than cover…
- Homeowners, Insurance
- Tighe P.A.
If you own a home in Florida, your insurance coverage might be changing — and you may not even know it yet. This summer, nearly 30,000 Citizens Property Insurance policyholders are being automatically shifted to a private insurer named Patriot Select. By October, that number could swell by another…
- Homeowners, Insurance
- Tighe P.A.
It Starts With a Simple Promise… You file a claim after a storm. Your roof’s leaking. The ceiling is bubbling. A few days later, the insurer responds: “We are executing our right to repair and will handle the work.” It sounds like a relief. But in reality, it might…
- Homeowners, Property Management
- Tighe P.A.
In Florida, thousands of families are moving into homes that look brand new—but are already falling apart behind the walls. And by the time they find out, it’s often too late to do anything about it. There’s something comforting about the word “new.” A new start. A new neighborhood….
The Storm You Don’t See Coming Florida is famously beautiful, known for sunny skies, sandy beaches, and inviting communities. Yet behind the scenes lies a hidden storm brewing: a lack of transparency in the insurance market that leaves homeowners at risk of severe financial distress. Many Floridians trust their…
- Homeowners, Insurance
- Tighe P.A.
Earlier this month, 12,000 Florida homeowners got a new insurance provider—without ever shopping for one. In a move backed by state regulators and industry optimism, St. Petersburg-based Patriot Select Property and Casualty Insurance Co. assumed nearly 12,000 multi-peril homeowners policies from Citizens Property Insurance Corp. The transfer is part…
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