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Recent Blog Posts


Citizens Insurance Wants More Control over Who Manages Repairs to Your Property

By Celeste Law Firm |

If you have damage to your home that is covered by your homeowners’ policy, you may think that your troubles are over. After all, the insurance company agreed to pay a reasonable sum for whatever damage was caused by your house. But you may find that the insurance company’s agreement to cover your damages… Read More »


General Home Upkeep to Avoid Neglect Exclusion

By Celeste Law Firm |

One very common yet unknown homeowners’ insurance policy exclusion is that of neglect. Neglect means that the homeowner failed to properly upkeep their property. But what does this actually mean? What responsibilities do homeowners have to maintain their dwelling? For more information, or if your insurance claim has been denied, a West Palm Beach… Read More »


Defective Infrastructure

By Celeste Law Firm |

Six people were killed and at least nine were injured when a pedestrian bridge collapsed over a Miami highway, according to CNN. Rescue crews worked to remove nearly 1,000 tons of debris, uncovering crushed cars and victims in the process. Engineers knew that there was a crack in the bridge, and met hours before… Read More »


HO3 vs. HO5 Homeowners Insurance Policies

By Celeste Law Firm |

The HO3 homeowners insurance policy is the most popular in Florida and throughout the U.S., according to the National Association of Insurance Commissions. While this standard HO3 policy is less expensive, it does not cover as many perils as an HO5 policy. To learn more about your homeowners insurance options, or to discuss a… Read More »


Policy Exclusions for Chinese Drywall

By Celeste Law Firm |

“Chinese drywall” is a low quality, toxic drywall that was imported from China to the U.S. between 2001 and 2009, and in just a few years, more than 100,000 homes in the U.S. were outfitted with this hazardous product, according to NPR. The drywall emits toxic fumes that not only cause corrosion to plumbing… Read More »


My Insurance Company Denied my Dog Bite Liability Claim

By Celeste Law Firm |

When your dog injures another person on your property by biting them, or attacks or bites someone outside of your property, you are most likely going to be held responsible for their injuries. You may be liable for their medical bills, lost wages, lost earning capacity, pain and suffering, emotional or psychological harm, scarring… Read More »


Three Types of Preventable Losses: Water Leaks, Roof Damage, and Creosote Build Up

By Celeste Law Firm |

What comes to mind when you hear about home insurance and catastrophic damages? Tropical storms and hurricanes, sinkholes, fires, and burglary are at the forefront of most people’s minds. Florida actually has the most expensive homeowners’ insurance premiums to reflect some of those natural disasters, according to the Insurance Information Institute, where sinkholes and… Read More »


Power Surge Exclusions

By Celeste Law Firm |

A power surge is an extreme spike in your home’s electrical line, and a power spike can cause damage or destruction to a variety of expensive electrical devices. A surge protector will not protect against very high spikes, such as an electrical surge from lightning. Unfortunately, most homeowners’ insurance policies do not cover power… Read More »


OSHA Investigations Following Workplace Fatalities

By Celeste Law Firm |

An employee of a plumbing company was working to repair a broken storm sewer, which had caused a minor sinkhole north of Boynton Park, when he was killed by an explosion, as reported by The Palm Beach Post. Water from a nearby lake was seeping into an eight by three foot sinkhole surrounding the… Read More »


Should an Injured Undocumented Worker Risk Filing a Claim?

By Celeste Law Firm |

An undocumented worker severed his fingers down to the bone when he was cutting concrete blocks. When the injured worker reported the injury to his supervisor as is required under Florida Workers’ Compensation law, he was fired. And, to add insult to injury, his boss reported him to the U.S. Immigration and Customs Enforcement… Read More »

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