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When your home is damaged from a natural disaster, fire, or break-in, the last thing you want to deal with is an adjuster who has been hired by the insurance company to advocate for their own best interest. A public adjuster specializes in representing policyholders like you to help negotiate insurance claims and navigate the…

Few things are more heartbreaking than discovering your home has been damaged after a disaster of any kind. Your home is a sacred space that needs to be protected, which is why we have insurance for homes in the first place. It’s a way to return to normalcy as quickly as possible. Although anyone can…

The official hurricane season has wrapped up, but that doesn’t mean that the damage caused by previous storms hasn’t continued to wreak havoc on your property. Hopefully, you have already documented your property before it’s been damaged, but even if you haven’t yet, it’s important to keep monitoring your property for damages to get the…

Most property owners know the benefits of insurance. If damage occurs, it helps ensure that you can build your home, replace or repair its contents, and cover the cost of temporary accommodations. In addition, most banks require home insurance as a requirement for mortgages due to its financial security. What’s not as well understood is…

If someone asked you to list everything you own, you probably couldn’t do it. And even if you could, you probably don’t know each item’s value offhand. This raises the question: if a fire, hurricane, or other weather event ever damaged your home, how would you file your insurance claim without detailed information about any…

When your home or business suffers serious damage, it can stop your life in its tracks. You may be displaced or looking at loss of income for weeks if not months, so it’s critical to maximize your insurance payout. Unusual as it may sound, one way to do that is avoid making repairs until you’ve…

In May, Governor Ron DeSantis signed Senate Bill 2D, a piece of legislation that was designed to provide some relief from rising insurance costs and premiums for Florida residents. The bill created a $2 billion reinsurance fund, funded by taxpayers, which insurers could tap into in order to purchase “reinsurance” – the insurance that insurance…

If you’re like most people, when it comes to insurance you probably think that because your policy says you’re covered for certain damages it means that you’re covered for those damages. Unfortunately, that’s not always the case. In fact, many policies only cover a very specific set of events or circumstances – which can be…

Anyone faced with the task of filing a property insurance claim in Florida will know the many hurdles presented by insurers to possibly prevent you from getting your deserved settlement. Despite paying more in premiums year by year, insurers and the legislation  have designed ways to prevent Floridians from filing a successful claim. Today, we’re…

We’re only just at the start of hurricane season, and it’s not too late to take a second look at your home or commercial insurance policy to make sure it actually provides the coverage you think it does. Year after year, many property owners are surprised to learn that their policies don’t cover common types…