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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…

Most Florida homeowners have adequate homeowner’s insurance coverage but what if there is a serious accident on your property and you cannot afford the medical bills? Or what if someone sues you for something that happened on your property, even if it was not your fault? It is important to be covered for all of…

Public insurance adjusters are experts when it comes to assessing damages and are retained by the policyholders to handle the myriad of items that are required to complete a claim. A public adjuster has two goals in mind: the speed of the transaction and accuracy of the assessment; both good news for property managers and owners. A…

If you have a collection of fine art, whether it is a few pieces or your home is a virtual art gallery, it is important to make sure that you have adequate insurance coverage. If you have recently acquired fine art pieces but have not insured them yet, it is important that you do because…

We don’t purchase car insurance after we have been in an accident and we don’t sign up for health insurance after a visit to the hospital. Evaluating a public adjuster to deliver you the best result possible in the event of a loss is no different.  More often than not, after a loss the first call a property owner…

While the appraisal clause is typically a thing of the past for Florida homeowner’s insurance policies, it is still part of commercial insurance policies. What does that mean for you if you are a Florida business owner with a commercial insurance policy? Let’s say that you have a water leak and the resulting flood does…

Let’s face it, everybody likes to save money whenever they can and homeowner’s insurance is no exception. Most people automatically renew their homeowner’s insurance if nothing has changed, but what if you could make changes to lower the cost of your Florida homeowner’s insurance, even if nothing has changed? While you may not have moved…

If you are like most people, you have a homeowner’s insurance policy that you are unfamiliar with. But what if you have a fire, flood, or some other disaster that forces you to call your insurance company and make a claim? Do you know the proper steps to ensure that you get fully reimbursed? When…

Have you recently moved into a home with a pool in Florida? If so, there are some things you need to know, from an insurance perspective, about having a home with a pool. Pools are considered an “attractive nuisance”, beautiful and refreshing though they may be. 4 Things You Need to Know About Owning a…

If you are new to Florida, welcome! The good news is you moved to Florida where the weather is bright and sunny 95% of the time. The bad news is, we get hurricanes and lots of rain that can cause flooding. FEMA has designated the entire state of Florida as a flood zone. If you…