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Category: Insurance Law

In a significant regulatory action, the Florida Office of Insurance Regulation imposed a $1 million fine on one of the state’s prominent homeowners insurance companies, Heritage Insurance, for its inadequate handling of claims following Hurricane Ian. This Tampa-based insurer, which manages roughly 150,000 policies in Florida, agreed to the…
Navigating how to file an insurance claim after a hurricane can feel like one more thing on top of devastating loss. What steps should you be taking to ensure you get fairly compensated? In this post, we’ll discuss your options so you have peace of mind and are prepared…
What is Flood Insurance? Flood insurance is a type of insurance coverage that is designed to protect homeowners and property owners from financial losses due to flood damage. It provides compensation for damage to buildings and contents caused by flooding, which is not typically covered by standard homeowner’s insurance…
Understanding the language and terms used in property insurance policies is crucial for public adjusters. By mastering the definitions of common terms, public adjusters can effectively navigate the insurance claims process and help their clients secure fair settlements. This guide will provide public adjusters with a comprehensive understanding of…
For many Florida homeowners, our sunny state represents paradise. However, along with the sunshine comes a myriad of weather challenges: hurricanes, tropical storms, floods, and more. The safety net for many against these unpredictable threats is their Homeowners Insurance Policy. Yet, many homeowners find themselves in a quandary when…
Insurance appraisals can play a vital role in resolving roof damage claims. As a roofer in Florida, understanding the appraisal process and your role within it can help you effectively advocate for your clients and ensure fair assessments and equitable settlements. This article aims to provide roofers with a…
Florida laws are very specific regarding when the Hurricane Deductible applies, for what duration of time and how many can be applied in a calendar year. Below you will find some answers to the most frequently asked questions regarding hurricane deductibles. When does a Hurricane Deductible apply? Hurricane deductibles apply…
Navigating the realm of homeowners’ insurance can be daunting, especially for first-time homeowners.  It’s not just about choosing a policy; it’s about understanding the breadth and depth of your coverage. In this post, we’ll delve into the subject to help you make the best decisions possible. We’ll cover— Why…

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