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Of all the natural disasters South Florida residents need to worry about, lightning may not be at the top of the list. You might wonder if it’s something you should really consider when choosing a homeowners’ insurance policy. The answer is yes. Lightning strikes can cause substantial damage alone, but are also likely to cause…

As a homeowner who carries property insurance, you probably think about the various issues that your policy will cover, with most of them being out of your control. These include natural disasters, wind or water damage, and vandalism. While these issues account for a large portion of the claims filed with Florida insurance companies, it’s…

If you live in South Florida, you may be concerned with your home’s ability to sustain damage if a natural disaster hits or you experience a burst pipe or leaky roof. However, there is one more troublesome issue you should consider that is fairly common in our region — vandalism. Vandalism may include broken glass,…

When damage occurs to your property, such as your home, building, or business, it can be a little overwhelming — and you may feel like the situation has gotten out of hand. Further complicating the situation is the fact that you may not get the timely response you need and deserve from your Florida insurance…

When you’re considering the range of coverage you’ll need under your Florida homeowners’ insurance policy, water damage is likely near the top of your list. Many homeowners make the mistake of thinking that any form of water damage is covered under the typical policy, but that’s not the case at all. Where the damage comes…

No one feels the level of urgency like homeowners waiting on their insurance companies to provide homeowners’ insurance compensation after damage occurs to their home or property. In many situations, you need the funds promised to you under your home insurance policy to repair the damages to your home and get on with your life.…

Insurance companies and restoration contractors often loudly voice the opinion that homeowners should never hire public adjusters — but did you ever wonder why? Perhaps it’s because they don’t want you working with someone who understands the industry. Public adjusters have a great deal of experience with the claims process, insurance policy law, construction and…

When you examine the rising rates of insurance policies in the Florida and across the U.S., many homeowners worry about potential rate hikes and what will happen if they actually need to file a claim. Many people think that if you avoid filing claims and don’t miss payments to your insurance company, everything is under…

Christmas trees are a staple of the holiday season for many homeowners in south Florida. However, in the context of celebration, priorities tend to shift away from good safety practices in an effort to have the best décor possible for friends and family to enjoy. It’s important to consider all of the extraneous factors taking…

The shock of a home invasion in South Florida can make homeowners feel violated, unsafe and afraid to stay in their own homes. You want to be able to move on with your life and get the damage done to your house fixed as soon as possible. Unfortunately, many Florida insurance companies don’t see the…