Recent Blog Posts
Landslide Exclusions to Coverage
When it comes to homeowners insurance, unfortunately there are many exclusions to coverage. One of these that can affect particularly wet, subtropical areas is the exclusion to landslides and mudslides. If your home has suffered damage due to a landslide, mudslide, or any shift in the earth, you need to get in contact with… Read More »
Condominium vs. House Insurance
High Prevalence of Condos in South Florida Florida has the highest number of residents who live in Community Associations, which include homeowners’ associations, condominium communities, and cooperatives, according to the 2016 Community Association Fact Book. In fact, 9.7 million Floridians live in these types of communities. Condo sales have been up in South Florida,… Read More »
Was Your Intentional Loss Not Covered?
Typically, an intentional act to cause damage is not covered under a homeowners’ insurance policy. As such, insurance companies sometimes do all that they can to prove that an accident was no accident, and that the homeowner or the other co-insured intentionally damaged the property. For example, arson is not covered under a homeowner’s… Read More »
Chipped Tile Claim
Chipped tile is one of many types of property damage that can cause devalued property or additional home damage if not treated. For example, damaged tile in a bathroom can lead to mold and rot if not fixed and replaced by a professional contractor. Whether your tile floor was damaged due to normal wear… Read More »
Insurance Claim Issues with Airbnb
Hosting travelers and vacationers in your home through Airbnb is a great way to make some extra money and meet new people. Maybe your primary goal is just to earn enough to afford the home makeover that was necessary to rent your place out, or Airbnb has become your primary source of revenue. However,… Read More »
Citizens Insurance Wants More Control over Who Manages Repairs to Your Property
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
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
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
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
“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 »
