Blog: Insurance Tips
Safety Tips to Protect Your Pets This Holiday Season
From Advocate Claims Public Adjusters and Our Pooches! As we move into the full swing of the 2017 Holiday Season, remember to protect your pets from holiday hazards. With Christmas trees and candles, turkey legs, chocolate and many family and friends coming and going, this time of year can be particularly dangerous for your dogs…
Replacement Cost: 4 Tips for Determining Adequate Insurance Coverage
Adequate coverage and knowledge of what your possessions and your home are worth is essential. If you are the victim of a severe storm, a fire, a robbery or another incident that leads to the loss of your property, you need to make sure that you have enough coverage to make sure that you are made…
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.…
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…
Assessing Your Property Insurance Policy for the New Year
It’s a new year and for South Florida residents, it has already brought a slew of tornadoes and torrential downpour. Sure, losing weight and saving money are great New Year’s resolutions, but have you ever thought to reassess your residential or commercial property insurance for the New Year? Your insurance needs change each year, and…
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…
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…
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…
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…
Umbrella Insurance Coverage – What It Is and Why You Need It
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…