Category Archives: Homeowners Insurance
Can You Get Living Expenses From Your Homeowners’ Insurance?
Assume that your property is damaged, and that your homeowners’ insurance has agreed to make the necessary repairs. There doesn’t seem to be any fight over how much it will take to bring your property back to normal, or how to make the repairs. You’re all set, correct? Well, maybe not. Additional Living Expenses… Read More »
Expert Meteorologists Can Help in Homeowners’ Insurance Cases
Florida is no stranger to sudden and damaging weather conditions. Aside from the well known hurricanes are the slew of smaller, but still dangerous tornadoes, lightning and hail, all of which can cause serious damage to property. Proving Weather Conditions In the event of a dispute over insurance benefits, and how damage was caused… Read More »
Experts in First-Party Insurance Cases Can Help Get Your Case to a Jury
In most cases, when there is a dispute over the facts of the case, the homeowner in a first-party homeowners’ insurance dispute is entitled to have a jury decide the dispute. Florida civil law does provide for a summary judgment procedure, which allows a judge to decide a case before it even gets to… Read More »
How Long Does My Homeowners’ Insurance Company Have to Evaluate my Claim?
Most homeowners’ insurance policies require immediate notice to the insurance company of damage to your home so that the insurance company may determine whether the damage is a covered-loss and to prevent further damage. That leads to one of the most common questions we hear from clients with homeowners’ insurance problems: How long does… Read More »
What Is a Homeowners’ Insurance Company’s Duty to Defend?
We have often discussed the rights and duties between you and your homeowners’ insurance in the context of property damage claims. But what about third-party claims–that is, what happens when someone sues you for an allegedly dangerous condition on your property that they claim has caused them injury? The Duty to Defend Your homeowners’… Read More »
Flood Insurance: Do You Have it, Do You Need it and Are You Covered?
Despite all the rain and the risk of hurricanes, many Floridians don’t give much thought to flooding. At least in South Florida, flooding absent a tropical storm is not common, and scenes of streets underwater and cars flooding are not frequent occurrences here. That means that flood insurance is not the first thing on… Read More »
Be Careful When Signing Assignments of Benefits
An assignment of contractual rights arises when one party hands over or transfers contractual rights to receive or to do something to another party. For example, if someone owes me $100 and I assign my rights in the contract to you, the paying party will have to pay you my $100. Assignments in Homeowner’s… Read More »
Does it Pay to Shop For Better Homeowner’s Insurance Rates?
Many people take whatever homeowner’s policy is available to them, and don’t give much thought to cost. It’s not that they don’t care what they pay—surely they do—but many just don’t think that price shopping will do any good, because all homeowner’s insurance premium prices are about the same. But, in fact, the high… Read More »
Things to Know Before a Homeowner’s Insurance Adjuster Comes to Your Home
If you’ve had damage or loss to your home for any reason, your first step is usually to call your insurance company. When you do, an insurance adjuster may come to your home to look at and assess the damage. This may seem like a relief—the insurance company is acting quickly and you’re well… Read More »
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 »
