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Cada póliza es diferente y debe ser revisada y evaluada para identificar lo que sí está y no está cubierto.  Algunas pólizas son pólizas de “todo riesgo”, lo que significa que cubren el daño físico directo a su hogar causado por cualquier peligro a menos que se excluyan específicamente. Mientras que otras son pólizas de

Failing to timely report your loss.   What is timely reporting?  Insurance policies do not give a specific time period to report a loss. However, case law provides a standard as to whether notice of a loss was given promptly to your insurance company.  “’Prompt’ is undefined in the policy. It is well settled, however,

The following actions should be taken after the storm is passed and it is safe to do so: First, document the extent of your damage with videos and photos.  This should be a good 20-minute walk around your house both outside and inside to capture any water or wind related damage from the storm (and

This a question insured homeowners often struggle to determine before filing a claim.  Each policy is different and must be reviewed and evaluated to identify what is and is not covered.  Some policies are “all-risk” policies meaning they cover for direct physical damage to your home caused by any peril unless specifically excluded, excepted, or

When you’re purchasing an insurance policy for your property you will likely be given many different choices provided by different carriers. Deductibles, coverage amounts, and annual premiums will all vary in different ways. But, it’s important to know how the value of the damage will be measured when its time for your insurance carrier to

Mold is one of the most stressful things you can find in your home. It is stinky, can cause major damage to your house’s structure, and can even threaten your health. Many people don’t think about the potential for mold until they’re confronted with it, but it’s a very real issue, especially here in Florida

When you buy a homeowners insurance policy, you expect that if anything happens to your property, you will be compensated fairly by your insurance company. But sometimes the claim settlement that the company offers you falls radically short of what you were expecting and sometimes a claim that seems completely reasonable is denied. When these

Whenever you file an insurance claim, your insurance company typically conducts an investigation. They do this for several reasons — to uncover fraud, but also to find ways they might be able to reduce the claim or deny it completely on a technicality. It’s also likely that part of their motivation is making the process