Insurance Tips

The Right to Repair Struggle

According to insurance policies, the general rule is that when an insurer elects to repair their damaged property, their insurance policy contract unknowingly gets changed to a repair contract. The important fine print to understand is that this repair contract has no limit of liability, but insurance companies rarely follow the terms in the agreement. […]

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What to Do When Your Homeowner’s Insurance Claim Is Denied

Imagine paying several hundred or even thousands of dollars on your homeowner’s insurance coverage, only to file a claim and have it denied or have the settlement delayed – leaving you with a dent in your bank account or having to obtain a loan in order to make the repairs in the meantime. According to […]

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Can the Insurance Company Treat Me Differently if I Hire a Public Adjuster?

When the unfortunate time comes to file a residential or commercial property insurance claim, a lot of individuals wonder if hiring a professional to help streamline the process will actually hinder them in the eyes of their insurance company. Luckily, this is not typically the case. In fact, that great saying “the squeaky wheel gets […]

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Recovering from a Tornado: Post-Loss Checklist

Recovering from a tornado is not just about your home. Make sure that your family is safe and that no one has been hurt. When you find your way out of your home, make sure that there are no hazards outside that could harm you or your family, such as downed powerlines. In the event […]

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Is Mold Covered Under My Insurance Policy?

Knowing what is covered under your homeowners insurance policy is crucial knowledge in the event of a disaster or damage. If your home falls victim to flooding, a water leak, or mold, knowing the source is extremely important for insurance purposes. When reviewing your insurance policy, you will want to double check the difference between […]

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Floridians Are You Prepared for a Hurricane Insurance Claim?

Luckily, Florida has dodged the bullet again, as it has yet to face a hurricane since Wilma struck the state in 2005. Instead of developing into a hurricane like the National Hurricane Center had expected, Tropical Storm Erika remained as such and then dissipated before it could climb the coast toward Florida. It is never […]

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Florida Insurance Claims Need Proper Investigation

A reasonable investigation of all conditions to find damage, is the obligation of the Insurance Company Adjuster.  Adjusters should never turn a blind eye, but all too often, this is exactly what Advocate Claims finds when taking on the task of being a Public Adjuster who represents the policy owner only. As the home or […]

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Warning Insurance Company Engineers

Warning – Insurance Company Engineers are Not Your Friends.  Recently, insurance companies were ordered by federal judges in New York and New Jersey, to turn over multiple versions of engineering reports that were allegedly falsified and used to deny claims. This marks the first time a wide-spread action has happened legally, to trap the insurance companies in the bad faith efforts […]

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Dryer Fires are Growing Risk in US Homes

According to the U.S. Consumer Product Safety Commission, there are approximately 15,500 fires, 10 deaths, and 10 injuries that can be attributed to dryer fires each year.  One out of 7,800 households will experience a fire caused from an improperly maintained dryer vent.  With nearly $100,000,000 in damage each year, dryer fires are a large […]

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Your Florida Insurance Company is Not on Your Side

When you buy homeowner’s insurance in Florida, you assume that the insurance company is on your side. You are paying the premium so that, should you need to make a claim, you and your personal property and building damages are covered. Right? Sadly, while that makes logical sense, it is usually not true. In the […]

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